The Truth About Atrial Fibrillation Life Insurance Plans

The Truth About Atrial Fibrillation Life Insurance Plans

September 27, 202311 min read


Atrial fibrillation, commonly known as AFIB, is an irregular heartbeat that can lead to heart disease and various other complications.

If you're among the numerous Americans affected by this condition, it's imperative to have a burial insurance plan in effect. This ensures that your family won't be burdened with arranging funeral or final expenses in the event of your unexpected passing.

In this piece, we'll delve into what burial insurance entails and who should consider having it.

What is Atrial Fibrillation Life Insurance?

Atrial Fibrillation (AFib) life insurance is tailored for individuals who have encountered an irregular heartbeat. The underwriting process for AFib life insurance considers the severity of your condition, including the frequency and duration of AFib episodes, presence of additional cardiac issues, and response to treatment. Policies for individuals with AFib typically entail higher premiums compared to those without the condition.

You'll likely need to provide extensive medical documentation detailing your diagnosis, treatment regimen, prescribed medications, and any AFib-related complications to qualify for life insurance coverage. If the insurance company deems the condition to be severe, the full death benefit may be subject to a waiting period. In cases where obtaining standard life insurance is challenging or too costly due to AFib, guaranteed issue and simplified issue life insurance options may be available. However, these alternatives often entail higher premiums and offer less coverage.

When seeking life insurance coverage for AFib, it's crucial to collaborate with a knowledgeable insurance agent or broker. They can assist you throughout the application process, ensuring accurate disclosure of all pertinent medical information, and help you find a policy that aligns with your requirements and financial constraints.

Symptoms of Atrial Fibrillation:

Atrial fibrillation is a rapid, irregular heartbeat that can cause shortness of breath and chest pain.

  • Pain and pressure in your chest

  • Short of breath

  • Confused

  • Dizzy

  • Blood thinners

  • Faint

  • High blood pressure

  • blood clots

  • Sweaty

  • Tired

  • Weak

What aspects of life insurance are impacted by atrial fibrillation? The terms are contingent upon the severity of the condition, the frequency of treatment, any associated comorbidities, as well as the severity and frequency of the episodes. While guaranteed issue insurance companies often accept applications for Life Insurance with a history of atrial fibrillation, the terms will fluctuate based on the severity and frequency of the episodes.

Final Expense Insurance For Individuals With Atrial Fibrillation

Can I obtain life insurance with AFIB?

While atrial fibrillation alone doesn't have adverse effects, it significantly elevates the risk of heart failure and stroke, posing a substantial threat to life. Consequently, most insurance providers hike their rates for clients with AFib.

Would a diagnosis of atrial fibrillation hinder my ability to secure coverage?

As AFib is considered a pre-existing condition, finding affordable burial or final expense life insurance products can be exceedingly challenging and time-consuming.

Imagine undergoing extensive underwriting inquiries for AFib from numerous insurance companies repeatedly, only to be met with exorbitant monthly premiums.

But fear not! Let's take a stroll down Easy Street!

Envision a team of independent insurance specialists armed with access to the top A+-rated insurance providers nationwide. They respond to you with a lineup of the finest AFIB life insurance products at competitive rates—sounds marvelous, doesn't it?

Well, that's precisely what we do!

Here at, we have access to leading final expense insurance companies in the nation, and we know precisely which ones offer the best insurance coverage for Atrial Fibrillation.

We've assisted countless individuals with AFib in finding the most optimal and cost-effective life insurance coverage, and we can certainly do the same for you. In fact, AFIB is currently on our list of qualified health impairments for same-day coverage!


Burial or Final Expense Insurance Companies and Atrial Fibrillation

Let's address the challenging aspect first.

Numerous final expense insurance providers exhibit stringent policies concerning coverage for AFib, leading to significantly higher rates compared to other providers. For individuals with AFib compounded by additional aggravating factors, there's a possibility of receiving subpar insurance plan options with waiting periods.

To exacerbate matters, if your AFib has resulted in more severe complications such as a full-blown stroke or mini-stroke, your life insurance application may face denial or be offered at exorbitant rates. It's advisable to consult your life insurance agent to determine if your specific type of heart condition will still be considered by your policy.

Unfortunately, such AFIB life insurance companies that offer unfavorable policies for AFib are often represented by insurance agencies.

Now, let's focus on the positive side.

You've come to the right place! We exclusively collaborate with top-tier A+ rated insurance providers across the nation. Moreover, we possess the expertise to assess which provider will evaluate your AFib scenario favorably and provide you with options at the most competitive rates and without imposing waiting periods.

For instance, this includes immediate insurance coverage from day one; such insurance plans are commonly known as "simplified," "preferred," or "level."

Rest assured, we'll ensure that securing the highest quality coverage at the most affordable price is a straightforward and hassle-free process for you.

Do I need A Medical Exam Getting Approved for Life Insurance If I Have Atrial Fibrillation?

You can purchase burial insurance without having to undergo a medical examination if you have atrial fibrillation.

Only a few health-related inquiries must be made while applying for life insurance. No blood or urine samples, or medical records, are required.

Within minutes, you'll get the insurance company's formal approval!

So, do insurance companies immediately provide simplified insurance coverage? You still need to go through an underwriting process, so no, not yet.

Atrial Fibrillation Underwriting Of Final Expense Insurance Companies

In the underwriting process, insurance companies will ask about the following:

  1. Questions about your health and ask if you have other illnesses.

  2. Prescribed medical history Health questions

Remember that if you decide to shop for a final expense insurance plan on your own, each term life insurance company will inquire about AFib in their own unique way. They won't specifically name atrial fibrillation; instead, they will pose the question in a descriptive manner. More so if you take multiple blood pressure medications or blood thinners.

Examples of questions that describe AFib: Are you experiencing irregular heartbeats?

Are you encountering unexplained rapid heartbeats?

They'll also want to know if you've ever been diagnosed with AFib, when the diagnosis was made, and if you've been prescribed medication for it.

Additionally, you might be asked about any history of strokes, the type of stroke, the timing of the event, and whether it occurred more than a year ago. They may also inquire about your need for assistance with Activities of Daily Living (ADLs).

You can anticipate numerous inquiries regarding life insurance with atrial fibrillation across various contexts.

It's crucial to enlist the support of our experienced Final Expense Insurance Specialists when addressing these underwriting inquiries. This ensures you can respond strategically and with complete honesty, securing the best possible coverage plan.

Moreover, if you have additional serious health concerns in addition to AFib, our assistance in navigating these underwriting questions will significantly impact the type of insurance plans available to you.

AFIB And Life Insurance Carriers Underwriting

Above all, it's critical to understand how burial insurance companies view AFIB. In fact, being aware of this will help you save a tonne of time. Additionally, many agencies won't let you see this. However, we are confident that you will put your trust in us to place you in the finest policy for you.

Keep in mind that some situations will call for additional underwriting.


CarrierUnderwritingAetna (Protection Series)If treated within 3 years, DECLINEAmerican Amicable (Senior Choice)ImmediateCVS (Aetna Accendo)PreferredForesters (PlanRight)PreferredGCUStandardGuarantee Trust LifeGradedLiberty BankersStandardLincoln HeritageIf treated within 2 years, ModifiedMutual of Omaha (Living Promise)If treated within 2 years, Graded. If diagnosed within 1 year, DeclineProsperity (New Vista)LevelProsperity (PrimeTerm to 100)PrimeTerm to 100Royal NeighborsLevelSentinelIf treated within 5 years, New Vantage II (Graded)Trinity LifeLevel

***The above carriers in BOLD specialize in Atrial Fibrillation. These are the carriers we would match up first.


Companies That Do Not Ask About AFib In Any Way In The Underwriting

There are some funeral or final expense insurance providers out there, but they never, ever inquire about atrial fibrillation. Yes!

These are the premier A+ rated insurance providers that we work with, and they offer protection plans that can withstand the hazards of atrial fibrillation.

You may simply receive a streamlined last expense insurance plan at the lowest price with instant insurance coverage starting on day 1 thanks to these top-tier insurance firms and our assistance.

We'll evaluate them all for you and narrow the field to the options that will provide you with the finest all-around coverage while you have AFib.

Remember: Even the top-tier AFIB life insurance companies that we represent will have additional health concerns that they take issue with, so if you also have other medical conditions, including depression, we need to know about them.

We only require a small amount of your time for your details.

Prescribed Medication History

Other insurance companies that red flag AFib will watch out for these medications.

If you take one or more of the following medications, carriers will consider you as someone who has AFib.

  • Amiodarone

  • Digitek

  • Digoxin

  • Lanoxicaps

  • Lanoxin

Insurance companies can find major health conditions that may not have been disclosed accurately or completely in the underwriting health questions by analysing the medication history.

It's important to keep in mind that insurance providers will consider your general health status, including any health issues like Cystic Fibrosis or being overweight.

Your options for plans will change if you have additional major medical issues in addition to AFib, which even top-tier insurance providers are rigorous about.

What Are The Benefits Of Burial Insurance With Atrial Fibrillation


Financial Protection: 

Upon the death of the insured person or their dependents (if they are not the insured person's spouse), burial insurance, a type of life insurance, pays out a lump payment. Typically, the beneficiary or the person they named as the beneficiary during the policy purchase receives the benefit in cash.

Cash Surrender Value:

It gives you a lump sum payout when you die, which can be used for any purpose.

No Medical Expenses: 

In many circumstances, burial insurance does not cover your medical costs associated with your funeral. It implies that your beneficiaries will use the cash surrender value of your burial policy to cover any substantial medical bills you may have after passing away, such as those related to cancer treatment or other catastrophic illnesses.

Flexible Payment Options: 

You have the option to specify how much of your estate will be transferred directly to the people you name in your will or living trust and how much will be paid to you after your death. Additionally, you can decide whether or not there is a pre-existing condition exclusion in place to protect those who have been given a heart disease diagnosis.

How To Find The Best Burial Or Final Expense Insurance For Clients With Atrial Fibrillation?

How do I obtain the greatest funeral insurance? You've already discovered us! And we have no doubts about our ability to assist someone with AFib like you in obtaining the greatest coverage option currently available.

Over 95% of the individuals who contacted us with AFib were helped, and they expressed satisfaction with the calibre of the policies we were able to obtain for them.

Our team at is made up of seasoned final expense insurance specialists with a wealth of knowledge who are passionate about locating the greatest possible burial insurance policy regardless of their illnesses or health issues.

Our founder is certified in 49 states and has over 26 years of expertise aiding clients. We exclusively work with top-rated A+ insurance providers who provide competitively priced, outstanding final expense insurance products.

What we only insurance needs from you is a little bit of your time to know your details.

We have a masterful knowledge of the underwriting process and best life insurance rates of the country’s best insurance companies, so with your details, we can absolutely tell you which company offers the lowest rates!

Talk to us now! We promise you a simple no non-sense interview process with no pressure.



You can relax knowing that your loved ones will have the money they require to pay for funeral expenses if you have burial life insurance. We have a great range of burial life insurance policies available if you or someone close to you has atrial fibrillation and is searching for some piece of mind in case something goes wrong. Contact our staff right now to learn more about this plan's operation or to receive life insurance coverage. Request a price today!

Atrial Fibrillation underwriting for life insurance
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