Have you been diagnosed with atrial fibrillation 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 life insurance underwriting expertise and experience to help with heart conditions such as arrhythmias, high-risk life insurance needs, and AFib-related insurance concerns.
What Health Rate Class Should You Quote for AFib? ->
Each case is uniquely different, but most people will generally end up with an underwriting offer between “Regular Plus” – “Table Rating 4”.
On rare occasions, a “Preferred” offer is available.
Understanding Atrial Fibrillation
Atrial fibrillation (Afib) is a type of heart arrhythmia or an irregular heartbeat that can increase the risk of blood clots, stroke, and other cardiovascular issues.
When present, AFib 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. You may have another serious condition called dilated cardiomyopathy.
The CDC estimates that 12 million people in the US will have AFib by 2030.
The three main types of atrial fibrillation include:
- Paroxysmal AFib(Intermittent)
- Persistent AFib
- Permanent AFib(Chronic)
Afib will negatively impact your life insurance rates, but you should know that some life insurance companies specialize in high-risk medical conditions, offering the best AFib life insurance options.
How Atrial Fibrillation Affects Life Insurance?
While a small percentage of people will qualify for a “preferred” rating if they apply to the right company, the majority of applicants will end up with a “standard plus” – “table 4” rating.
The ratings may be lower if you don’t have a pacemaker, and higher if you do.
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 competitive companies in about three business days.
All types of life insurance products are available, including term, universal, and whole life. In some instances, there may be incentives available if you consider permanent products.
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.
Take a look at these real-life examples of individuals who successfully secured life insurance through RiskQuoter.
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
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
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
Underwriting is about matching your medical history to the right life insurance companies.
Finding the Right Life Insurance with AFib
We use a quick quote process to determine which life insurance companies will provide the best rates based on your AFib history.
The benefit is that you’ll know which life insurance companies are 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
We’re going to help you get the best life insurance rates available. Here’s how:
- High-Risk Specialists: We have extensive experience helping people find affordable life insurance.
- Underwriting Expertise: We understand AFib, know which companies specialize in underwriting, and know how to get you approved.
- Personalized Quotes: We use a quick quote process to get you underwriting feedback from multiple life insurance companies in days.
- No Obligation: We do not pressure you to buy. We give you the information you need to make an informed decision.
No matter what type you have, we can help get you the coverage you need at an affordable rate.
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 to get accurate quotes:
- How old were you when diagnosed with atrial fibrillation?
- What type do you have?
- Paroxysmal (Intermittent)
- Persistent
- Permanent (Chronic)
- What is the cause of your atrial fibrillation?
- Have you had surgery, or has surgery been recommended?
- Do you have any other heart conditions, such as mitral valve stenosis, heart blocks, heart attack history, or high blood pressure?
- Have you ever had a stroke or TIA?
- Do you have any current symptoms?
- What types of cardiac testing have you had to diagnose and monitor your condition?
- What medications and dosages do you take?
- What tests were performed? (stress test, echocardiogram, cardiac catheter)
- Were any other heart issues discovered? Angina, arrhythmias, atrial fibrillation, aortic stenosis.
- Do you have any other health issues like anxiety, asthma, or prostate cancer?
- What medications do you take?
Life insurers consider the severity of the Afib, treatment received, and current health when determining the availability and pricing of life insurance.
It’s important to disclose all aspects of your medical 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 offer you a higher rate 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 in the past. We have often found that prior declines are due to applying to the wrong company.
FAQ
You have questions about AFib and life insurance; we have the answers.
Final Words
Getting affordable life insurance with atrial fibrillation may take some time, but we can help.
Even if you’ve been declined or table-rated in the past, let us show you what we can do.
The benefits of choosing RiskQuoter over the competition include:
- Independence – We work for you, not the life insurance company.
- Expertise – We specialize in high-risk life insurance
- Experience – We’ve helped thousands of people since 1998.
There is never any obligation or pressure with our life insurance service.
