Atrial Fibrillation Life Insurance
Life insurance underwriting has been and continues to be very fair to those who have atrial fibrillation. Like all health impairments how good the rates can be depends on the severity of the illness and the compliance with doctors follow-up and medical order, and the control achieved.
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 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.
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