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Life Insurance Approval with Atrial Fibrillation

in Heart Conditions

Life Insurance Approval with Atrial Fibrillation

We can help you with Life Insurance Approval with Atrial Fibrillation

Finding an affordable life insurance policy with Atrial Fibrillation can be quite the challenge.

Luckily, you’ve come to the right place.

Indeed, we help individuals of all ages and all sorts of medical conditions at


Our 2 Minute Promise

Stick with us for two minutes, and you’ll have two important questions answered:

1. Can you qualify for life insurance with Atrial Fibrillation? And if so…

2. How much will it cost?

Can I Qualify for Life Insurance if I have Atrial Fibrillation?

Yes, most individuals with Atrial Fibrillation will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.

However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.

How Much Will it Cost?

Best Case Scenario – An acute incidence of Atrial Fibrillation that is treated early and shows signs of full recovery may qualify for a “Mild Substandard” rating. Provided, however, that regular visit to a cardiologist will establish this claim of full recovery. This can be shown in laboratory and diagnostic exams, plus less frequent symptoms such as palpitations, tachycardia or bradycardia. Click here for quote at “Mild Substandard”.

Moderate Case – The best rating for chronic cases of Atrial Fibrillation would be at a “Medium Substandard.” This is because continuing medication and irregularities in heart function will cause long-term and irreversible damage to the heart muscles. Over time symptoms of tachycardia, dizziness or chest pain will become more frequent and pronounced. Click here for a quote at “Medium Substandard”

Common Questions to Assess Rating Class

If you’re unsure which of the above health classes to quote yourself at (Mild Substandard or Medium Substandard), please see the questions below:

When were you diagnosed with Atrial Fibrillation?

It is easier to determine a rating for Atrial Fibrillation if the cause of the abnormal heart beat is established. Atrial fibrillations may be due to existing medical conditions or it may manifest in acute cases such as heavy intoxication, but if early diagnosis and treatment are given there is a better chance of prognosis without any damage to the heart muscles.

Have you had any relevant ECG tests in the past 6 months? 

ECG tests done in the past plus a most recent one will give a comparison whether the Atrial Fibrillations have changed within the last 6 months. If there are no changes seen this may be considered a stable case and may qualify for the best rating.

Have you experienced symptoms like chest pain, palpitations or dizziness within the last six months and how often? 

Frequent symptoms such as these may be signs of an unstable heart condition that may have to be reevaluated further before an appropriate rating can be given.

Do you have regular check-ups with your cardiologist?

Regular visits to your doctor show good compliance that can be used together with your ECG result to determine whether you qualify for a “Mild Substandard” or “Medium Substandard” rating.

Are you currently taking maintenance medications? 

The need for antiarrhythmic medications such as Digoxin and Metoprolol may either be good or bad. Regular intake of maintenance medications for your symptoms for the last 2 years may be considered a good sign of control of the symptoms and may get you a “Mild Substandard” rating. Medications, however, that are given very recently and in large doses may be viewed as a sign of an unstable condition and may get a “Medium Substandard” rating.

Do you have any of the following risk factors?

Risk factors for chest pain include diabetes, cigarette smoking, high blood pressure, high cholesterol, family history of heart disease and a sedentary lifestyle. This is very important to determine, because if one of the following is present it may contribute to an association with unstable heart condition and get you a “Medium Substandard” rating and in worst cases a decline.

Have you been diagnosed with other medical conditions? 

Medical conditions like left ventricular hypertrophy or coronary artery disease may be the cause of your Atrial Fibrillations, which will need further assessment to determine the appropriate health class.

If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.

How to Get a Quote

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 Fibrillation

Atrial Fibrillation (AF) is characterized by sustained, rapid, irregular, disorganized atrial electrical activation. Common causes of this complex electrical activity include ageing, structural heart defects, and other conditions such as hyperthyroidism and acute alcohol intoxication.

Symptoms of Atrial Fibrillation include mild to severe palpitations, dizziness, irregular pulses, hypotension or hypertension, chest pain, pulmonary congestion and easy fatigability.

Related Keywords: atrial fibrillation, AF, abnormal heartbeat


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