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Life Insurance Approval with Cardiac Arrhythmia

in Heart Conditions

Life Insurance Approval with Cardiac Arrhythmia

We can help you with Life Insurance Approval with Cardiac Arrhythmia

Finding an affordable life insurance policy with Cardiac Arrhythmia can be quite the challenge.

The good news is there is hope.

In fact, tough life insurance cases are our specialty 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 Cardiac Arrhythmia? And if so…

2. How much will it cost?

Can I Qualify for Life Insurance if I have Cardiac Arrhythmia?

Yes, most individuals with Cardiac Arrhythmia 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.

Consumer APPROVAL Report:
Learn the 5 most lenient insurance companies that approve (almost) anyone, including the company we send 90% of our tough cases to..

How Much Will it Cost?

Best Case Scenario – Cardiac Arrhythmia with few PVCs (premature ventricular contraction) seen on ECG, no identifiable damage to the heart and no symptoms of palpitations or fainting spells may qualify for a “Standard” rating. Click here for quote at “Standard”.

Moderate Case – Those cases with identifiable atrial fibrillations (AF) that are the result of other medical conditions, shows no frequent symptoms of dizziness or lightheadedness and are established as controlled by a physician may get a “Mild Substandard” or “Medium Substandard” rating.

Cardiac Arrhythmia, on the other hand, that shows many PVCs, with more frequent symptoms of palpitations or fainting spells may qualify for a “Mild Substandard” or “Medium Substandard” rating depending on the frequency and severity of the symptoms. Click here for a quote at “Mild Substandard” or “Medium Substandard”

Common Questions to Assess Rating Class

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

When were you diagnosed with Cardiac Arrhythmia?

It is easier to determine a rating for Cardiac Arrhythmia if the cause of the abnormal heart beat is identified. Usually atrial fibrillations are due to existing medical conditions while ventricular fibrillations are due to damage in the heart. Early diagnosis and treatment give a better chance of recovery.

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 your condition has changed within the last 6 months. If there are no changes seen this may be considered a stable case of Cardiac Arrhythmia. Those with few PVCs may qualify for “Standard”. Those, however, with AFs and many PVCs may get either a “Mild Substandard” or “Medium Substandard” rating.

Have you experienced symptoms like chest pain, palpitations or fainting spells 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 to determine whether you qualify for a “Standard” rating or not.

Are you currently taking maintenance medications? 

The need for medications for Cardiac Arrhythmia can be either 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 condition and may get you a “Mild Substandard” rating. Medications, however, that are given very recently 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 Cardiac Arrhythmia and get you a “Medium Substandard” rating and in worst cases a decline.

Do you have a history of heart attack?  

Emergency conditions due to many PVCs or history of heart attack may get a decline. For mild cases, however, the best approval would be at a “Medium Substandard”.

Have you been diagnosed with other medical conditions? 

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

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.

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 Arrhythmias

Cardiac Arrhythmia also known as cardiac dysrrhythmia, irregular heartbeat, abnormal heart rhythm, ventricular arrhythmia  is a result of various conditions that send abnormal electrical impulses or irregular conductions in the heart, or both. These abnormal electrical activities are called fibrillations (atrial or ventricular).

The heart beat in Cardiac Arrhythmia may either be too slow (bradycardia) or too fast (tachcardia). In some cases it is the rhythm of heart activity that has abnormalities.

Common signs and symptoms of Cardiac Arrhythmia include palpitations (being aware of one’s heartbeat), atrial or ventricular fibrillations found on ECG, fainting spells, dizziness or lightheadedness,

Causes of Cardiac Arrhythmia need to be established immediately because serious conditions may lead to an emergency situation or even death.

Related Keywords: arrhythmia, bradycardia, tachycardia, Cardiac dysrhythmia


Consumer APPROVAL Report:
Learn the 5 most lenient insurance companies that approve (almost) anyone, including the company we send 90% of our tough cases to..

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