If you have been diagnosed with atrial fibrillation or AFib, can you still qualify for life insurance? What would your rate be? Will you be declined?
Typically just mentioning Afib, while applying for life insurance, you will never get a call back from that agent. Any heart condition would send most agents running for the border; however, here at Heart Life Insurance, we love finding people the lowest rates on life insurance with conditions like atrial fibrillation.
We know the companies who are the best fit for heart conditions. We unbiasedly shop them on your behalf while protecting your privacy, and we deal directly with the underwriters to get you the absolute lowest rates for your specific condition.
A bit about Atrial fibrillation
During atrial fibrillation, the two upper chambers of your heart are just not marching in sync with the two lower chambers, and this can sometimes lead to weakness or shortness of breath. These episodes can come and go, or they could be permanent and require medication and maintenance.
The good news is atrial fibrillation is usually not fatal. Due to this, we have had years of success getting the best rates for life insurance with atrial fibrillation.
First, fill out a “quote request” on the right. It takes less than 70 seconds!
Then, one of our underwriting experts will contact you to ask quick, specific health questions about your atrial fibrillation. Your privacy is guaranteed
Finally, the top life insurance companies with the best rates for Afib will be compared to get you the best deal. Success!
It really is that simple, it’s guaranteed, it’s private, and you never have to see an agent.
What Determines your Life Insurance Rates with Afib?
In a few words, it all comes down to your control over your condition and your risk for stroke.
How you are managing your Afib will determine your health class. Your health class will be broken down into several factors, most of which come from your prescriptions or your doctor’s records.
The life insurance underwriters will look at any treatment completed for your atrial fibrillation within the last 10 years. They will determine whether the treatment succeeded and if the condition is under control.
Things like your most recent BNP or proBNP score could affect your health class. Other first considerations are your doctor’s description of your condition.
Is your Afib paroxysmal, persistent, or permanent? The difference in the description and the difference in the life insurance you’re able to qualify for could be dramatic!
What treatments keep your heartbeat in check?
More importantly, are the treatments successful?
For an underwriter to view your treatment as successful, you’ll want somewhere between 6 months and 24 months of treatment through anti-arrhythmic medication with no change in condition.
What medications were prescribed for your Afib?
Taking regular medications is common in the treatment of Afib. Regular medications over an extended period is a positive sign of controlling your condition.
Medications, such as Dofetilide, Tikosyn, Flecainide, Propafenone, Amiodarone (Cordarone, Pacerone), Sotalol, Betapace, and Sorine have been used to treat Atrial Fibrillation successfully.
You doctor might also prescribe blood thinners, like Warfarin (Coumadin), based on your condition. We have helped clients taking these medications get approved for life insurance in the past.
Do you smoke?
Doctors and underwriters frown on smoking if you have AFib. Most insurance companies will decline you right off the bat, and at the very least, you decrease your options.
We have had success securing life insurance for smokers with atrial fibrillation; however, these cases were usually difficult, and they were expensive.
Rates for smokers are usually 300% higher than non-smoker rates, so it pays to quit.
How much alcohol do you consume?
Moderate alcohol consumption is usually OK. However, even moderate consumption has been linked to an increased risk of atrial fibrillation.
For those applicants with persistent Afib already, higher alcohol consumption has been linked to negative changes in the heart like atrial remodeling.
Ideally, avoid the booze if you have Atrial fibrillation.
How old were you when you were diagnosed with AFib?
Your age when you were diagnosed with atrial fibrillation is also important. Were you diagnosed at an early age or recently? Was it before age 60? If long ago, your chances of avoiding heart muscle damage will be much higher.
Life insurance companies tend to be more forgiving for an Afib diagnosis before the age of 60 because the treatment success rates are much higher before age 60. If you’ve been taking good care of your AFib for a long time, then your heart could be healthier, and from a life insurance underwriting perspective, this is a good thing!
Conversely, patients with afib are more likely to have a stroke, and that risk only increases with time. So with your AF diagnosis, the earlier you were diagnosed and the longer it has been successfully under control, the better.
What were the results of recent cardiac testing?
Recent cardiologist testing over the last year to two years, showing if there have been any changes in your condition, will be scrutinized. This is especially true of echocardiograms (echos) or EKGs.
If there have been no changes in the last 24 months, you will be labeled stable and considered a suitable risk.
How often do you experience symptoms of chest pain or irregular heart palpitations?
If you have experienced these conditions in the past six months, these may be signs of an unstable condition of the heart, and life insurance rates will be higher accordingly. Many term or universal life policies will be hard to qualify for. Most options will be limited.
In this case, it is best to get some life insurance in place, and then try to qualify in 12 months with a better health class after your atrial fibrillation has stabilized.
Finally, what is your big picture? What other medical history do you have?
When applying for life insurance, your atrial fibrillation is not the only condition to consider.
Remember earlier when we said “AFib is usually not fatal?” Sometimes, the AFib is not the biggest underwriting issue to overcome. Combine your AFib with one of these other conditions and the underwriting picture becomes even more complex.
Atrial Fibrillation Life Insurance Approved:
What health class can you expect when applying for life insurance with AFib?
Preferred Plus / Preferred
Preferred is possible however unlikely with most cases of Afib. If the AF was paroxysmal with no other underlying heart conditions and health is great otherwise, we have approvals for life insurance at preferred rates.
This happens when the Afib was brought on by an infection or something unrelated to heart disease (like hyperthyroidism). Using your doctor’s records, ECGs and other proof that it was an isolated event is a must!
From the onset, going for a preferred class takes significant legwork and documentation.
Persistent Afibbers with their condition under control usually qualify for standard rates. Underwriters are looking for six months to a year of stability on medication or after a cardioversion or PVI.
Substandard / Table Rated
Chronic Afib will show up here, slightly substandard usually. If you are currently in AF, get a cardiac evaluation. Without a cardiac evaluation your case will be suspended.
So go see your doctor.
Do you have severe AF with severe underlying heart disease? If so, your policy will be rated based on the heart disease. Please contact us so that we can work up your quotes personally.
Credits for good behavior – Save some money!
The Real Deal with AFib Life Insurance Approvals
Since Afib is so prevalent, we have many successful clients we can point to.
Here is a case from our files.
Anthony’s AFib comes and goes. He has no underlying heart disease and his cardiac tests show normal heart function. He has no signs of atrial remodeling, left ventricle mass looked fine and his heart seems to be in good shape.
Since his Afib was under control Anthony qualified for standard rates for his life insurance. An added bonus of being young is he qualified for 30 year options too.
Actual Rates for Life Insurance with Atrial Fibrillation
A+ rated company for Anthony R., Quoted March 2017
|20 Year Term Life Insurance||$500,000||$1,000,000||$2,000,000|
A+ rated company for Anthony R., Quoted March 2017
|30 Year Term Life Insurance||$500,000||$1,000,000||$2,000,000|
It doesn’t make any sense to carry $2 Million in life insurance coverage for the full term of the mortgage, so we structured two policies for him to save money. $1,000,000 in 20 year protection, and another $1,000,000 in 30 year protection.
Fast forward to 20 years into the future: Anthony has the option to convert his 20 year term policy into something more permanent (before age 70), or he could let it lapse. He will owe roughly $1,005,000 on the remaining mortgage balance and his existing 30 year term policy has him protected.
Why not you? Why not today?
Look, we are not getting any younger and life insurance only goes up the older we get.
After reading about Afib and life insurance, hopefully you feel more informed and in control of this situation. The next step is to use this newfound knowledge to find great protection at incredible rates.
Life insurance is extremely important for the ones you love, don’t you agree? What would their lives look like tomorrow . . . if you died today?
Submit a free quote now, and let one of our underwriters get to work for you immediately.