Wallace Group - Insurance Blog

Life Insurance for People with Atrial Fibrillation

If you or a loved one has a heart condition like atrial fibrillation, it may feel like a struggle to find an affordable insurance provider. You may even know someone who has been denied life insurance because of this type of condition. But you need to know that there is hope.

Read on to find out more about how to get life insurance after you’ve been diagnosed with atrial fibrillation or paroxysmal fibrillation.

Classes of Atrial Fibrillation

Atrial fibrillation refers to a problem with the atria (heart chambers) that causes heart palpitations and shortness of breath. People with this condition are at a much higher risk of stroke and are also linked to heart failure, high blood pressure, and coronary artery disease. Here’s an overview of the different types of atrial fibrillation.

Paroxysmal (Intermittent) Atrial Fibrillation

If an episode of atrial fibrillation only lasts for under a week, it’s called paroxysmal atrial fibrillation. This may be brought on by heart disease, binge drinking, low potassium, or a number of other lifestyle or health factors. Symptoms include chest pains and heart palpitations.

As long as it can be proven that this condition is readily manageable (i.e., with medication) and is not related to lifestyle factors like drugs or alcohol, typically it will not interfere with access to lower rates on insurance.

Persistent Atrial Fibrillation

If the Afib shows up more than ten times per year, it’s called persistent atrial fibrillation. This type of condition may be treated with medication and may or may not be a significant factor in whether or not a life insurance policy if approved.

Permanent Atrial Fibrillation

With this condition, all chambers are beating out of sync all of the time. Insurance companies rely on cardiac evaluations for this type of Afib as they have to determine what kind of damage has occurred in the heart.

Health Factors You Need to Consider with AFib

Atrial fibrillation, or AFib, isn’t a life-threatening condition in and of itself, but it is often linked with other serious medical issues like heart disease and stroke. Thus, it’s considered a high-risk problem for insurance companies.

When you speak to the insurance provider, you’ll need to be able to explain clearly what you are doing to manage the condition. If you can show that you are managing your disease well, you’ll have a much better chance of getting coverage. Part of this is also about compounding factors that could make the condition worse, such as diabetes, previous heart surgery, or a history of strokes or alcohol abuse.

Here are some examples of questions the insurance provider will likely ask:

What’s the primary cause of your atrial fibrillation?

Are there any secondary heart-related issues that we should know about?

How long have you had atrial fibrillation?

What were the results of your last echocardiogram?

Have you been diagnosed with atrial fibrillation or paroxysmal fibrillation?

Do you have a history of heart disease?

What type of treatment plan are you on for your atrial fibrillation and has there been any improvement since the plan started?

How often do you smoke or drink alcohol?

Are you taking and medications and receiving treatment?

In order to be approved with life insurance with conditions such as atrial or paroxysmal fibrillation, you need to find a life insurance company that understands your needs and has access to different providers. The Wallace Group has options for people with conditions such as Afib who are struggling to find affordable life insurance.

If you are struggling with a high-risk condition that is making it difficult to find life insurance, call us now or get an online quote. We look forward to hearing from you!

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