Have you been declined for life insurance due to Atrial Flutter?
The good news is there is hope.
Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Atrial Flutter? And if so…
2. How much will it cost?
Yes, most individuals with Atrial Flutter will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
Best Case Scenario – Healthy individuals with Atrial Flutter, who do not present any signs and symptoms of chest pain or shortness of breath, and have normal ECG tests may get a “Mild Substandard” rating. Click here for quote at “Mild Substandard”.
Moderate Case – Those individuals with diagnosed Atrial Flutter that have been detected early and been given preventive treatment with antiarrhythmic drugs may qualify for “Medium Substandard” rating. Provided, however, that symptoms of difficulty of breathing and chest pain are controlled if not totally eliminated. Click here for a quote at “Medium Substandard”.
Severe Case – A severe case would be Atrial Flutter that is uncontrolled by medication and with diagnosed medical complications such as heart disease or hypertension. The best approval that may be obtained is at a “Severe Substandard” rating, but complicated cases may get a decline. Click here for a quote at “Severe Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
How many years have you been diagnosed with Atrial Flutter?
Atrial Flutter is a progressive condition that if not controlled well over time may lead to serious complications. Longevity of the condition needs a thorough medical evaluation before a rating can be given.
Have you experienced any symptoms within the last six months?
Symptoms of recent chest pain, palpitations or shortness of breath may be flare signs that may get you a “Medium Substandard” or “Severe Substandard” rating.
Are you taking any medication?
The need for medications for Atrial Flutter may either be a good or a bad scenario. It is good if the drug shows control of the symptoms; these cases may get a “Medium Substandard”. If medications, however, are unable to manage the symptoms and there are obvious complications to the heart, it may get you a “Severe Substandard” rating or in worst cases a decline.
Do you have regular check-ups with your cardiologist?
Your doctor will be the best resource person to determine your actual condition, and whose medical evaluation will be used to determine the appropriate rating.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests such as ECG or 2D echocardiogram are the best markers to assess your heart condition.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Atrial Flutter
Atrial Flutter (AFL) is also known as macroreentrant atrial tachycardias. It is a condition described by an abnormal heart rhythm due to disorders of the atrial myocardium.
One of the earliest symptoms observed is tachycardia (heart rate over 100 beats per minute) or palpitations. Atrial Flutter is commonly observed in individuals with heart problems like coronary artery disease (CAD), cardiomyopathy, hypertension or diabetes.
Other symptoms include chest pain, shortness of breath or difficulty of breathing, nervousness, dizziness and feeling of impending doom. Atrial Flutter may develop even in a normal heart and progresses within months or years.
Related Keywords: Atrial Flutter, AFT, macroreentrant Atrial Tachycardias, arrhythmia