Life Insurance with Atrial Fibrillation (AFib): Options and Best Rates (2024)

afib life insurance

Have you been diagnosed with AFib and are wondering, “Can I get life insurance with atrial fibrillation?

The answer is “YES! Even with AFib, RiskQuoter can help you find the best life insurance rates based on your medical history.

We have the underwriting expertise and experience to help with your atrial fibrillation history.

Understanding Atrial Fibrillation

Atrial fibrillation (Afib) is a type of heart arrhythmia or an irregular heartbeat that, when present, causes the heart’s two upper chambers (the atria)to beat rapidly and irregularly.

If your heart can’t pump blood properly, you may have an increased risk of blood clots and stroke.

The CDC estimates that 12 million people in the US will have atrial fibrillation by 2030.

The three main types of atrial fibrillation include:

  1. Paroxysmal (Intermittent)
  2. Persistent
  3. Permanent (Chronic)

Afib will negatively impact your life insurance rates, but you should know that some life insurance companies specialize in high-risk medical conditions like atrial fibrillation.

How Atrial Fibrillation Affects Life Insurance?

While a small percentage of people will qualify for a “preferred” rating, the majority of applicants end up with a “standard plus” – “table 4” rating if they apply to the right company.

A “standard plus” rate is typically the third best rate class available, while a Table 4 rating adds 100% to the price and indicates a higher risk medical history.

That’s where we can help.

We use a quick quote process that gives you underwriting feedback from all companies specializing in atrial fibrillation in about three business days.

Case Studies: Real-Life Examples of Life Insurance with AFib

These actual client histories illustrate how individuals with atrial fibrillation have successfully secured affordable life insurance with us.

To illustrate how we can help, let’s look at a few real-life examples of individuals with AFib who successfully secured life insurance through RiskQuoter.

AFib Case # 1

Male, Age 55 – $1,000,000

Paroxysmal Afib


Favorable cardiac workups
BP & Cholesterol Meds
Shopped our companies

Banner – Table 2
Symetra – Standard
Corebridge – Standard
Minnesota – Table 2
John Hancock – Standard
Four Declines

AIG-Corebridge at a Standard Rate

AFib Case # 2

Male, Age 72 – $100,000

Non-valvular Afib

Two stents at 70
Watchman Device
Favorable cardiac workups
BP & Cholesterol Meds
Shopped our companies

AIG – Table 4-6
Lincoln – Table 4
Banner – Table 6
Nine Declines

Lincoln at a Table 4 Rate

AFib Case # 3

Male, Age 66 – $250,000

Chronic Afib

Cause Unknown
Favorable Stress Test
Anti clotting meds
BP and cholesterol meds
Shopped our companies

AIG – Table 3
John Hancock – Table 3
Banner – Table 4
Prudential – Table 3
Principal – Standard

Principal at a Standard Rate

With atrial fibrillation, it’s all about matching your AFib history to the right life insurance companies.

Finding the Right Life Insurance with AFib

As mentioned, we use a quick quote process to shop for underwriting offers.

The benefit is you’ll know which life insurance companies will be best for your medical history in a few days.

At that point, we can provide you with life insurance quotes based on the type of life insurance you seek, whether you want term life insurance, universal life, or whole life insurance.

What’s the catch?

There’s no catch. With our service, there is never any obligation or pressure. We give you the information you need to make an informed decision about your life insurance.

Our experience underwriting high-risk medical conditions ensures you have the most competitive rates available based on your individual life insurance needs.

The RiskQuoter Advantage for AFib Life Insurance

We’re going to help you get the best life insurance rates available. Here’s how:

  1. AFib Specialists: We have extensive experience helping people with AFib get affordable life insurance.
  2. Underwriting Expertise: We understand AFib, know which companies specialize in underwriting, and know how to get you approved.
  3. Personalized Quotes: We use a quick quote process to get you underwriting feedback in days from multiple life insurance companies.
  4. No Obligation: There is no pressure from us to buy. We give you the information you need to make an informed decision.

No matter what type of atrial fibrillation you have, we can help get you the coverage you need at an affordable rate.

Atrial Fibrillation and Life Insurance Underwriting

We summarize your individual medical history so that the quotes you receive are accurate based on your medical history.

It’s important to know the following about AFib to get accurate quotes:

  1. How old were you when diagnosed with atrial fibrillation?
  2. What type of Afib do you have?
    • Paroxysmal (Intermittent)
    • Persistent Afib
    • Permanent Afib (Chronic)
  3. What is the cause of your atrial fibrillation?
  4. Have you had surgery, or has surgery been recommended?
  5. Do you have any other heart conditions, such as a heart attack history or high blood pressure?
  6. Have you ever had a stroke or TIA?
  7. Do you have any current symptoms?
  8. What types of cardiac testing have you had to diagnose and monitor AFib?
  9. What medications and dosages do you take?
  10. What tests were performed? (stress test, echocardiogram, cardiac catheter)
  11. Were any other heart issues discovered? Angina, arrhythmias, atrial fibrillation.
  12. Do you have any other health issues like anxiety or asthma?
  13. What medications do you take?

Life insurers look at the severity of the Afib, treatment received, and your current health when determining the availability and pricing of life insurance.

It’s important to disclose all aspects of your AFib history so that we can get you the best rates. If you have copies of your medical records, you can share them with us and we’ll summarize everything for underwriters.

Let us know about positive changes, such as exercise, weight loss, and quitting tobacco, as we can use these to help improve ratings.

If you participate in other activities, such as scuba diving or aviation, let us know, as some companies are better than others.

Do All Companies Underwrite Afib the same?

Definitely not!

Only a handful of life insurance companies available do an excellent job underwriting atrial fibrillation, including these insurers:

AIG – Corebridge Financial
Banner Life
John Hancock
Lincoln National
Nationwide
Minnesota Life
Pacific Life
Principal
Protective
Prudential
SBLI
Symetra
United of Omaha
Zurich

Most other companies will decline you or provide you with an expensive rate that is more than you should pay.

How Do Life Insurers Know About Your Afib?

As part of the underwriting process, life insurance companies ask about your health and whether you have any heart issues.

If you previously applied for life insurance, it’s almost certain that the prior company notified the MIB about your condition.

Insurers will require a paramed exam and will obtain your medical records as part of underwriting.

It doesn’t matter if you’ve been declined due to atrial fibrillation in the past. We have often found that the reason for prior declines is due to applying to the wrong company.

FAQ

You have questions about AFib and life insurance, and we have the answers.

Final Words

Getting affordable life insurance with atrial fibrillation may take some time, but we can help you.

Even if you’ve been declined or table-rated in the past, let us show you what we can do.

There is never any obligation or pressure with our life insurance service.

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