Life Insurance with Atrial Fibrillation [Will You Be Approved]?

Finding life insurance with something such as atrial fibrillation can be intimidating, and you may be curious where to even begin. We get it. We see it all the time. Anytime you are looking for high-risk life insurance, things can be a little scary and unknown. 



It’s common and surprisingly, we see more individuals needing or wanting life insurance in these situations than we do for healthy individuals.

You’re not alone.

It does make life insurance more difficult (sometimes), and I’m sure everyone here is aware the prices may be a little higher than a perfectly healthy individual seeking life insurance. In this article, we want to break down the process from beginning to end so you can begin to get a feel for how things work with life insurance and atrial fibrillation. 

It’s important to understand the process from start to end to give you a good idea of how this really works and what you can do to improve your odds.

What Does Life Insurance with Atrial Fibrillation Look Like?

The question often arises from clients or potential clients. Can I get life insurance with atrial fibrillation? The answer is yes, you can get life insurance with atrial fibrillation. You may have higher premiums and need to a complete a medical exam, but overall, you can still be approved for life insurance.

The biggest thing to remember is that active steps can always be taken to increase your chances of being approved for life insurance with conditions like atrial fibrillation.  Preparation, diligence, and honesty during the application process goes a long way to ensuring a clean, approved and cheaper life insurance policy.

Why Are Life Insurance Companies Concerned with Atrial Fibrillation?

When purchasing life insurance, it always comes down how the life insurance company underwriters view your case.  What they care about most is your overall chance of death. This makes sense considering they owe your family/ beneficiaries a hefty amount of cash when you do meet your maker.

With Afib, there are a few initial concerns that pop up. First and foremost, atrial fibrillation is when the hearts two upper chambers (the atria) beat irregularly or chaotically.  Sometimes atrial fibrillation needs treatment, and sometimes it does not. The biggest concern with the life insurance companies is that atrial fibrillation is known to cause blood clots forming around the heart.

Also, afib is known to cause blood clots that can form around other vital organs and caused blocked blood flow. In most circumstances individuals experience

  • Chest Pain
  • Shortness of Breath
  • Confusion
  • Dizziness
  • Lightheadedness
  • Fatigue
  • Reduced Ability to Exercise
  • Weakness
  • Palpitations

Other Risk Factors for Atrial Fibrillations- How It Impacts Life Insurance

Here are some known risk factors that can also impact your life insurance if you fall into of these categories.

Specific Questions and Underwriting Guidelines for Life Insurance with Atrial Fibrillation

When it comes time to gain approval for life insurance with atrial fibrillation you’re going to be asked some specific questions related to the condition. Using honesty and as much detail as possible is imperative. The more complete the application, the easier the entire process will be.

Not to mention, it dramatically impacts the chances of approval and approvals at lower overall rates.

Here’s a look at the questions you can expect to come up during the process.

  • When was the original diagnosis of atrial fibrillation?
  • Is the Atrial Fibrillation Considered Chronic or Paroxysmal (permanent vs. intermittent)?
  • What Current Treatment Did You Undergo?
  • Do you take any medications directly related to the Atrial Fibrillation?
  • Do you have any other heart complications outside of the AFIB
  • Is there a direct cause to the AFIB such as a heart valve complication, coronary artery disease)?

Keep in mind, these questions are only directly related to the Atrial Fibrillation and nothing else. Your agent and the life insurance company are also going to want to know if you currently use any tobacco or have any family history of heart problems, cancer or diabetes.  Also, they will ask you

  • Your Current Height and Weight
  • All Medications You Are Currently Taking

Special Note*- ACE Inhibitors, Beta Blockers, Digoxin, Amiodarone, Propafenone, Dronedarone are all common medications that we are used to seeing for the AFIB, but we are also referring to other medicines for unrelated conditions. All medications need to be relayed to the agent and the life insurance company.

  • Which form of tobacco use do you currently use if any?
  • Do you perform any dangerous hobbies or have a hazardous occupation?
  • Any prior or current alcohol abuse or drug use?

What Can You Expect to Pay for Life Insurance with Atrial Fibrillation? Will you be approved?

After applying for the life insurance with atrial fibrillation, it will be time to determine what rating you can expect to achieve.  Here’s a look at some of the options.

Declined Life Insurance- This will only happen if other heart issues are present with the atrial fibrillation.  Also, weight, high blood pressure, and tobacco/alcohol use could place you into this category.  If two conditions are present and other dangerous factors are involved, it becomes tough to get life insurance.  You can always consider guaranteed issue life insurance or accidental life insurance if this happens to you.

Preferred Plus Rating- This also is not going to be possible with Atrial Fibrillation. Other complications throughout having atrial fibrillation are possible, and life insurance companies are just not willing to dish out the best overall rating possible with the chance of the AFIB having further complications down the line.

You can, however, achieve preferred rates, but overall this can also prove challenging. For this to happen, the atrial fibrillation needs to be paroxysmal an absolutely nothing else could be wrong health-wise including tobacco use or even family history could not be present to achieve this rating.

*Special Note on Family History

Family history can ding you down one score if you have a mom, dad, sister or brother who passed away before age 60 in most circumstances from heart conditions, cancer or diabetes. Some companies even expand the possible causes of death to include other health-related conditions that could potentially drop your health rating.

To recap, even if you have paroxysmal atrial fibrillation, if any other items are not perfect health-wise, you also can’t achieve these preferred rates.

Standard ratings are possible with atrial fibrillation if no other heart disease is present and other health factors are in the good standing order.  In most circumstances, you will fall into the sub-standard category for rates that you will achieve.  These will be somewhat inflated prices, but it’s possible to get approved at these ratings even with chronic atrial fibrillation.

Have Your Agent Work Hard for Atrial Fibrillation Life Insurance Approvals

What do we mean by this?  Have your agent take advantage of cover letters sent to the life insurance company (letter the agent writes explaining and detailing your health and condition). These cover letters go a long way toward proving your case to the underwriting department and securing you more affordable life insurance rates.

Don’t Ignore the Alternatives to Life Insurance with Atrial Fibrillation

Again, as mentioned before you can always lean toward something such as guaranteed issue life insurance or accidental death life insurance. These won’t use pre-existing or high-risk medical conditions against you on your application.

Accidental Life Insurance– Is only going to cover death that occurs in the event of an accident

Guaranteed Issue Life Insurance– Will just have full active death benefits after 2 years. During the two years waiting period if something did happen, you would receive a total 100% return of premium in addition to 10% interest earned with reputable carriers such as Gerber Life or AIG (American General Life Insurance)

Overall, they are completely viable options to secure coverage and provide your family with some form of coverage in the event you pass away unexpectantly

Don’t Let Atrial Fibrillation Stop You from Applying for Life Insurance- It’s 100% Possible

In summary, work with a reputable agency such as Good Life Protection that has experience in handling these cases and getting you the most coverage for the lowest overall price. Also, be prepared, to be honest, and detailed with your agent to achieve the best results.  Fill out the quote form on the right to get started.

It will allow you to compare life insurance rates with over 50 of the top-rated life insurance companies that we all know and trust.  Once you complete the form, an agent will reach out to discuss options with you and find you the best possible solution.

Josh Martin and family of Good Life Protection

Josh Martin is the founder of Good Life Protection. He began his career as a captive Agent working for New York Life Insurance Company. After continued education and designations, Josh founded Good Life Protection to provide consumers with more options and insurance that truly fits into your budget and health classification.