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Life Insurance for Atrial Fibrillation: What You Need to Know

  • Writer: Philippe Deray
    Philippe Deray
  • Nov 25
  • 4 min read

Atrial fibrillation (AFib) is the most common type of irregular heartbeat, affecting millions of people worldwide. While many individuals manage the condition successfully, AFib can introduce challenges when it comes to obtaining life insurance. If you or a loved one has atrial fibrillation, understanding how it impacts your eligibility, policy options, and premiums is crucial.


Getting life insurance with AFib

What Is Atrial Fibrillation?


Atrial fibrillation occurs when the heart’s upper chambers (atria) beat irregularly, often faster than normal. This irregular rhythm can reduce the heart’s efficiency and increase the risk of complications such as stroke, heart failure, or other cardiovascular issues. Symptoms vary widely; some people experience palpitations, fatigue, or shortness of breath, while others may have no noticeable symptoms.


From a life insurance perspective, the presence of AFib raises important questions for insurers. They are primarily concerned with the long-term risks associated with the condition, including the likelihood of cardiovascular events.


How Life Insurance Companies View AFib


Life insurance providers categorize applicants based on health history and risk factors. Atrial fibrillation is considered a medical condition that could impact risk, but it does not automatically disqualify someone from coverage. The underwriting process typically involves reviewing:

  • Medical history, including AFib diagnosis and treatment

  • Frequency and severity of AFib episodes

  • Medications and treatment plans, such as anticoagulants or rate/rhythm control drugs

  • Presence of other conditions like high blood pressure, diabetes, or heart disease

  • Lifestyle factors, including smoking, alcohol use, and physical activity


Insurance companies often divide applicants with AFib into different risk tiers. Those with well-managed AFib, minimal symptoms, and no history of major complications may qualify for standard or slightly higher-than-average rates. Conversely, individuals with severe, poorly controlled AFib or additional cardiovascular issues may face higher premiums or more restrictive coverage.


Types of Life Insurance Available


People with AFib generally have several options when it comes to life insurance.


1. Term Life Insurance

Term life insurance provides coverage for a specific period, such as 10, 20, or 30 years. It can be a suitable option for individuals with atrial fibrillation because it often involves simpler underwriting. Term policies can provide significant coverage at relatively affordable premiums. However, rates may vary based on the severity and management of AFib.

2. Whole Life Insurance

Whole life insurance is a type of permanent coverage that remains in force for your lifetime, with the added benefit of cash value accumulation. While premiums are generally higher than term insurance, individuals with AFib who want lifelong protection may consider this option. Approval often depends on detailed medical underwriting, including a review of heart function and any prior cardiac events.

3. Guaranteed Issue or Simplified Issue Policies

For applicants with severe AFib or multiple health conditions, guaranteed issue or simplified issue policies may be an alternative. These policies typically do not require extensive medical exams, though coverage amounts are lower, and premiums may be higher. They can be a valuable solution for those who may struggle to qualify for traditional coverage.


Tips for Getting Life Insurance with Atrial Fibrillation


Securing life insurance with AFib is possible, but preparation is key. Here are several strategies to improve your chances of approval:

  1. Maintain Regular Medical Care: Keep up with cardiologist visits, follow treatment plans, and monitor your condition. Insurers favor applicants who demonstrate consistent management of their AFib.

  2. Document Your Health: Keep detailed records of your diagnosis, medications, and any procedures. Providing comprehensive medical information can help underwriters make a favorable assessment.

  3. Control Risk Factors: Manage high blood pressure, cholesterol, and other conditions that may worsen AFib. Healthy lifestyle choices—such as regular exercise, a balanced diet, and avoiding smoking—can positively impact underwriting decisions.

  4. Shop Around: Different insurers weigh atrial fibrillation differently. Working with an experienced insurance agent can help you identify companies that are more favorable toward applicants with AFib.

  5. Consider Policy Riders: Some policies offer riders that can enhance coverage for specific health conditions or increase benefits. Discuss options with your agent to see if they are applicable.


Understanding Premiums


Life insurance premiums for people with AFib are influenced by several factors:

  • Age and gender

  • Overall health and comorbidities

  • Severity and control of AFib

  • Type and amount of life insurance coverage

  • Family medical history


Generally, applicants with well-controlled AFib can expect a moderate increase in premiums compared to individuals without heart conditions. Severe or complicated cases may lead to significantly higher rates.


Key Takeaways


While atrial fibrillation introduces complexities when seeking life insurance, it does not make coverage impossible. Many individuals with AFib qualify for term or whole life policies, particularly if they maintain good medical management and healthy lifestyle practices.


Working with a knowledgeable agent or broker can make a substantial difference in finding the right policy at a competitive rate. By understanding how insurers evaluate AFib, documenting your health, and exploring available options, you can secure life insurance that protects your loved ones and provides peace of mind.



Life Insurance Disclaimer

Disclaimer: This article is for informational purposes only and is not legal, financial, or insurance advice. Life insurance needs and products vary by individual, state, and insurer. Policies may involve fees, costs, and limitations. Some policies include a cash value component that can grow over time, and certain strategies may allow for accumulation beyond basic protection. Results are not guaranteed and may vary by policy, insurer, and state. Consult a licensed insurance professional before making any life insurance decisions.





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