AFib Life Insurance – How Much Should Your Policy Cost You?

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

By Michael Horbal - Updated on 06/22/2023

Here’s Some Proof of What We Do

Your age, type of Afib, treatment received, and current health are major factors

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

The best offer was AIG-Corebridge at a Standard rating.

Afib Case #2

Male, Age 72 – $100,000

  • Two stents at 70
  • Non-valvular Afib
  • Watchman Device
  • Favorable cardiac workups
  • BP & Cholesterol Meds

Shopped our companies

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

The best offer was Lincoln at a Table 4 rating.

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

Best offer was Principal due to more favorable pricing.

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

Benefit #1 – Atrial fibrillation history saves here

We have affordable life insurance for you if you’ve been diagnosed with a heart condition like Afib.

Our quick quote process gives you underwriting feedback from all companies in days.

The benefit is that you’ll know exactly what to expect about pricing before you complete an application.

There is never any pressure or obligation with our service.

Companies that underwrite Afib include:

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

Benefit #2 Underwriting Expertise with Afib.

We’ve been helping Afib patients since 1998.

We know the questions to ask you upfront.

We have the experience and knowledge to help you get affordable life insurance after an atrial fibrillation diagnosis.

  • Paroxysmal Afib (Intermittent)
  • Persistent Afib
  • Permanent Afib (Chronic)

Get Your Best Afib Life Insurance Here!

Do you need to know all the finer details of atrial fibrillation underwriting? Keep reading

What is 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.

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

How Does Atrial Fibrillation Affect 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 table 4 rating adds 100% to the price.

That’s where we can help.

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

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

When diagnosed with Afib, it’s essential to know the following 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?
  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.

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

How to Find the Right Life Insurance Coverage if You Have Afib

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

The benefit is that 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 your medical history, 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 ensure you have the most competitive rates available based on your individual life insurance needs.

Do All Companies Underwrite Afib the same?

Definitely not!

Only a handful of life insurance companies available do an excellent job underwriting atrial fibrillation.

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.

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.

Final Words

If you have atrial fibrillation and need life insurance, we can help you get the coverage you need at an affordable rate, even if you’ve previously been declined for life insurance.

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

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