Atrial Fibrillation Life Insurance
Underwriting has been and continues to be very fair to those who need atrial fibrillation life insurance. Like all health impairments, how good the rates can be depends on the severity of the illness. Being compliant with doctors follow-up and medical orders can bring the control needed to take A-fib out of the worry column.
Most A-fib falls into the Paroxysmal category. It comes and goes infrequently. In general, there will be an episode not requiring medical intervention and then months or even years before another episode. It isn’t uncommon for a person to have an instance of A-fib and, with proper medical care, not have another one.
The best possible atrial fibrillation life insurance rate classes for Paroxysmal A-fib is standard or standard plus and can be approved when you have a current ECG A-fib (within 6 months) and a non-ratable echocardiogram has been done after onset of AF and there is no underlying heart disease. Standard rates can also be approved when there is chronic A-fib (more frequent episodes without medical relief) one year after you have a successful ablation. Ablations permanently disrupt the electrical impulses that cause A-fib.
Chronic A-fib can be approved at a higher than standard rate if there is no underlying heart disease and you have a normal echocardiogram.
When you call to discuss you’re a-Fib and life insurance make sure you know which type (paroxysmal or chronic) you have and have access to a narrative summary of your most recent cardiac workup.
More Questions? Check Out Our Blog!
The Hinerman Group knows that every situation is unique and it can be difficult finding the best answers. Be sure to check out our blog where you will find a comprehensive bank of topics covered regarding Life Insurance. The background covered in The Hinerman Group blog will point you in the right direction and help you get your family the coverage you need.
Want to talk? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION. *Ed released the fish and it went on to have a full life. Occasionally Ed receives postcards from new waters and pictures of grandfish.