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Atrial Fibrillation Overview
Atrial fibrillation (AFib or AF) is an arrhythmia of your heart that produces an irregular pulse.
An abnormal EKG discovered during your annual physical may have been the first indication that you have AFib.
Atrial fibrillation may be caused by underlying heart diseases such as,
Cardiomyopathy, coronary artery disease, heart valve disease, hyperthyroidism or other heart-related issues.
According to the American Heart Association, over 2 million people in the U.S. have some form of AFib.
AFib Underwriting Questions
With atrial fibrillation,
Life insurance underwriters are concerned about the underlying heart condition and the increased risk of stroke.
The severity of your AFib and the underlying heart condition will determine the life insurance rate.
Let us know the following:
- When were you diagnosed with atrial fibrillation?
- What type of AFib do you have? (paroxysmal, persistent, long-standing persistent)
- What is the cause of your atrial fibrillation?
- Do you have any current symptoms?
- What types of cardiac testing have you had to diagnose and monitor AFib?
- What medications and dosages do you take?
- Have you had surgery or has surgery been recommended?
- Do you have any other heart conditions such as high blood pressure?
- Have you ever had a stroke?
We use your answers from the above to send out quick quote requests to life insurance companies.
What is a quick quote?
A quick quote is a medical history summary shopped to life insurers specializing in your heart condition.
Once we receive the underwriting feedback,
We can provide you with quotes for term life insurance, universal or whole life insurance.
Life Insurance Rates for AFib
Life insurance rates depend on the type of atrial fibrillation, severity, and the treatment you receive.
Paroxysmal Atrial Fibrillation – Also known as intermittent atrial fibrillation.
Paroxysmal AFib – Standard plus life insurance rates are available if you have no other health issues.
The above also assumes recent cardiac workups are available for review.
If you have an additional heart condition, underwriting would be based on the AFib and the additional condition.
Chronic Atrial Fibrillation – also known as permanent AFib.
Life insurance is available but pricing is more expensive than for people with intermittent AF.
Chronic AFib – Standard life insurance rates plus an additional expense called a table rating are common.
The additional rating may add 50-100% to the standard rate…and sometimes more.
The final price depends on the severity of the atrial fibrillation,
How effectively it is controlled and what other underlying heart conditions you have.
Other types of AFib:
- Persistent Atrial Fibrillation
- Long-Standing Persistent Atrial Fibrillation
- Valvular Atrial Fibrillation
These types follow chronic atrial fibrillation guidelines.
Things you can do to help get the best rates possible include:
- Taking your medications as prescribed
- Visiting with your physician on a regular basis
- Having current cardiac testing available
Best Life Insurers for AFib
Prudential, John Hancock, Lincoln Financial, AIG and Banner Life are some of the best life insurance companies for AFib.
AFib and no underlying heart conditions – Any of the above companies will be a good choice.
Chronic AFib and additional heart problems – The underlying heart condition will determine which life insurer is best for you.
If you’ve had a heart attack or bypass surgery, it will be important to know the exact dates and extent of treatment.
Atrial Fibrillation FAQ
Yes, you can get life insurance with atrial fibrillation. The key is to know what type of AFib you have, how severe your condition is and how current your cardiac records are.
Atrial fibrillation is an irregular heart rhythm that may increase your risk for stroke or other heart-related problems.
Life insurance is available if you’ve had cardiac ablation, the Maze procedure or AV node ablation. Life insurance rates are based on the success of the procedure and in some limited cases a “preferred” life insurance rate is available.
Ready to take your next step?
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Atrial Fibrillation Conclusion
There is never an obligation or pressure with our service.
We’ll provide you with the information you need to make an informed decision about your life insurance.
Please take a few minutes to complete your quote request today.
Thank you.
Michael Horbal
Author
Michael Horbal is the founder and owner of RiskQuoter.com and a licensed life insurance agent who has helped thousands with affordable protection for families and businesses.
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