Affordable Life Insurance with Atrial Fibrillation

People dealing with Atrial Fibrillation understand how difficult it can be to find an affordable life insurance policy.

We’re going to show you the various points of getting life insurance with Atrial Fibrillation (also referred to as “afib” in this article).

First of all, yes you can still qualify for affordable life insurance rates with atrial fibrillation.  Where most life insurance agents cringe when they hear anything to do with your heart, we welcome this risk and help those with AFib protect their families with affordable protection.

If you tried to find a plan on your own, as an applicant with afib, it could be in for a long journey. One way to shorten your search is to partner up with an independent agent.

We know what companies offer impaired risk life insurance and how to present your risk to them.

If you have certain health conditions such as diabetes or if you need life insurance for obese individuals, we can help.

Atrial Fibrillation and Life Insurance Rates

Life insurance rates with Atrial Fibrillation will focus primarily on the level of control over your AFib. The better control you have, the better your health class rating will be.

Your health class is determined by several factors, most of which come from your physicians or cardiologists medical records.   Specifically, underwriters will be looking at the following:

Any treatments completed to help with the atrial fibrillation such as ablations or cardioversions and how you’ve reacted to them.  To be labeled “successful”, you’ll need your heart back in rhythm for at least 12 months.

Medications you’ve taken, like Digoxin, Metoprolol, Warfarin, Amiodarone, Dronedarone, Propafenone, Sotalol, Dofetilide and Flecainide.  Taking regular medications over a two year period can be seen as a positive sign of control over your condition. On the other hand, medications prescribed recently and in large doses could be seen as an unstable condition.

Age of diagnosis and when your Atrial Fibrillation was caught.  If your condition was diagnosed early on, your chances of avoiding heart muscle damage will be substantially improved. The sooner the diagnosis the better from a life insurance company standpoint.

Recent EKG testing.
Life Insurance With Atrial Fibrillation
EKG tests performed over the past months will determine if there have been any changes in your condition. If there are no changes in the last 12 months, you may be considered stable and could then meet the criteria for the best rating.

How often, if ever, do you experience symptoms of chest pain or palpitations?
If you have frequently experienced any of these conditions over the past six months, these may be signs of an unstable condition of the heart.

Do you visit your cardiologist regularly?   It is extremely important to see your cardiologist on a regular basis. Not only is this good for your overall heart health, it is also taken as a positive display of good compliance.

Do you smoke?  If you do, you’re most likely looking at a decline.  Only in a few instances are we able to secure life insurance and it was VERY expensive.

Any other underlying health issues?  Have you ever been diagnosed with other medical conditions such as coronary artery disease or left ventricular hypertrophy? If yes, these diseases may be the cause of your Atrial Fibrillation and you’ll be rated on the severity of your condition.

Paroxysmal Atrial Fibrillation and Life Insurance

If you have Paroxysmal Atrial Fibrillation (intermittent AFib) and are free of any known heart disease and show some normal EKG’s records, you could qualify for a “Standard” health class with several companies. To be classified as Paroxysmal AFib you will experience less than 10 episodes of Atrial Fibrillation for less than 30 seconds, in a 12-month period.

Chronic Atrial Fibrillation and Life Insurance

Individuals who experience 10 or more episodes of Atrial Fibrillation in any given year will be considered chronic or persistent.  These risks likely result in getting a life insurance policy between a “Table 4” and “Table 8” health classification.  Which means your rates will be roughly double to triple standard rates.

This rate only applies if there are no underlying heart disease. If you are shown to suffer from an underlying heart disease, you will be declined coverage and can only qualify for a graded death benefit policy.

Those that have permanent Atrial Fibrillation will only qualify for graded death benefit policies.

Not sure what you can qualify for or have any questions?

That’s ok, most agents in our industry have trouble accurately assessing atrial fibrillation cases.  We however have a lot of experience under our belt.  If you can provide the information above, we can provide you with quotes based on your risk.

The big thing to understand is every life insurance company has unique AFib standards , some more favorably than others. We know what carriers on the market are giving the best rates based on Atrial Fibrillation history.

Choosing the wrong carrier can mean the difference in saving thousands of dollars a year…or even qualifying for coverage at all.

Bottom Line

At RootFin.com help people find affordable life insurance with Atrial Fibrillation all the time.  We’ve turned previously declined cases into approvals and have replaced coverage for people who were paying too much.

Call us, we’d be happy to provide you with quotes based on your AFib history.

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About Jeff Root

is the owner of rootfin.com. He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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3 Comments

james ward

Hello, I had my colon rupture 2 1/2 years ago, and developed A-Fib on the operating room table, I was placed on Amiodarone 200 mg once daily for a year, I went back to cardiologist and he did EKG and Echo cardiogram, he said it looked good so he cut my med from 200 mg to 100 mg daily and just has me on 1 baby aspirin a day. I have had NO episodes since I left the hospital 2 1/2 years go, I am a nurse so I check my heart rate 2 times a week along with blood pressure 2 times a week, my average BP is 114/78 for 2 1/2 years and heart rate is 76 to 78 BPM for 2 1/2 years, I walk fast 2 miles every morning and ride bikes and workout with weights 3 times a week. I take no orther meds at all. I have been turned down 2 times for life insurance, I am 65 years old, no other problems. Any Help?

June 7, 2015 at 4:46 pm
    Jeff Root

    James, We can definitely help. Sounds like you’re just using the wrong companies. Lets connect and see what we can do for you.

    October 16, 2016 at 9:23 pm
Carl Jensen

Jeff, Do you work with clients in Florida? If so, I have had two experiences with AFib in the last 3 1/2 years. Currently I am taking a daily dose of 50mg of Metoprolol and a baby aspirin at night for the prescribed blood thinner part. I have a 500,000k policy with AIG for almost 3 years at a D rating. I re-applied 6 months ago and they told me yesterday that my Rating went to a B but it costs more because I aged several years. The premium is $449/month. Can you help me find a lower premium?

July 30, 2015 at 12:42 pm
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