Get life insurance rates from the top 15 life insurers that specialize in atrial fibrillation (AFib).
Finding affordable life insurance does not have to be complicated if you know what life insurers are looking for when underwriting heart conditions like AFib.
AFib Quick Overview
Atrial fibrillation (AFib or AF) is an arrhythmia of your heart that produces an irregular pulse. Follow these links to get to the sections that interest you.
Atrial fibrillation is caused by an underlying heart issue such as coronary artery disease, heart valve disease, cardiomyopathy, hyperthyroidism, or other heart-related issues.
A major concern for underwriters is the increased risk of having a stroke if you have AF.
AFib Life Insurance Underwriting
With AF, underwriters are concerned about the increased risk of stroke and other underlying heart conditions.
Atrial fibrillation is a common heart condition we see in underwriting. According to the American Heart Association, over 2 million people in the U.S. have some form of AFib.
We need to know the details about your medical history in order to provide you with accurate life insurance quotes.
The following are needed:
- 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?
- What symptoms do you have?
- What types of cardiac testing have you had to diagnose and monitor your AF?
- What medications and dosages do you take?
- Have you had surgery or has surgery been recommended?
- Do you have any other heart conditions?
- Have you ever had a stroke?
Once we have the information we need, we’ll reach out to life insurance companies for underwriting feedback.
It typically takes 3 days or less to hear back from all companies. At that time, we let you know what each company has to say and what to expect in terms of pricing.
Life Insurance Rates and Companies for AFib
Life insurance rates depend on the type, severity, and treatment of atrial fibrillation.
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
Here’s what you can expect based on your type of atrial fibrillation.
Paroxysmal Atrial Fibrillation – Also known as intermittent atrial fibrillation.
Paroxysmal AFib – Standard and possibly standard plus life insurance rates are available if you have paroxysmal atrial fibrillation with 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 will depend on the severity of the atrial fibrillation, how effectively it is controlled and what other underlying heart conditions you have.
Other types of AFib such as Persistent Atrial Fibrillation, Long-Standing Persistent Atrial Fibrillation, Valvular Atrial Fibrillation will follow chronic guidelines for underwriting.
Life insurance companies such as Prudential, John Hancock, Lincoln Financial, AIG and Banner Life are some of the best companies to work with.
Most life insurance companies we offer have similar underwriting for AFib. If you have AFib and no underlying heart conditions, we can pretty much go with the lowest priced company.
When you have chronic AFib and additional heart problems, the company to work with becomes more important as some companies are better than others with those underlying heart problems.
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.
We help many people with atrial fibrillation obtain affordable life insurance. Please take a few minutes to complete our quote request today. Thank you.