Atrial fibrillation (AFib) is a common heart rhythm condition, but it doesn’t automatically disqualify you from life insurance. Your approval and rates depend on factors like age, frequency of episodes, medications, and overall heart health. While some insurers may classify AFib as a heart disease, others assess it individually. The answer is understanding how atrial fibrillation affects your risk profile, and how to apply it strategically, whether you’ve been recently diagnosed, are managing AFib long term, or have other heart-related issues. This guide explains how to approach the application process, what to expect, and how to find providers who offer fair life insurance options for AFib patients.
What Is Atrial Fibrillation, & how Does It Affect the Heart?
Atrial fibrillation (AFib) is a type of arrhythmia, meaning an irregular heartbeat. It occurs when the upper chambers of the heart, the atria, beat out of sync with the lower chambers, or ventricles. This leads to a fast, erratic heart rhythm that may come and go or be persistent over time.
AFib affects the heart by disrupting its ability to pump blood efficiently. The irregular rhythm can reduce cardiac output, increase the risk of blood clots, and may lead to complications such as stroke, heart failure, or other cardiovascular issues. Some people feel palpitations or fatigue, while others may have no symptoms at all.
Can You Qualify for Life Insurance if You Have Atrial Fibrillation?
Yes, you can qualify for life insurance if you have atrial fibrillation. Approval depends on your age, overall health, type of AFib, and how well the condition is managed through treatment, medications, or lifestyle changes.
Life insurance providers evaluate the severity and stability of your AFib, along with any related conditions like high blood pressure or heart failure. Occasional or well-controlled episodes typically receive more favourable rates than permanent or poorly managed AFib.
Applicants may need to undergo medical underwriting, which includes a review of cardiac test results, medications, and specialist notes. The more stable your condition, the broader your coverage options.
What Factors Affect Life Insurance Eligibility when You Have a Fib?
Here are the factors that affect life insurance eligibility when you have atrial fibrillation (AFib):
- Type of AFib
Paroxysmal (occasional) AFib may be viewed more favourably than persistent or permanent types, which indicate chronic rhythm issues. - Age at Diagnosis
Earlier diagnosis, especially under age 50, may raise concerns about long-term heart function and potential complications. - Frequency and Severity of Episodes
Frequent or prolonged episodes suggest more advanced AFib, potentially impacting eligibility or increasing premiums. - Underlying Causes
Life insurers assess whether your AFib is linked to other heart conditions like valve disease or cardiomyopathy. - Treatment Plan and Response
Whether you’re managing AFib with medication, lifestyle adjustments, or procedures like ablation plays a role in risk assessment. - Medication Use
Use of blood thinners or antiarrhythmic drugs may indicate stroke risk or more advanced AFib. - Presence of Other Conditions
Co-existing issues like high blood pressure, diabetes, or obesity can impact both eligibility and cost. - Cardiologist Reports and Test Results
Recent ECGs, Holter monitors, or echocardiograms help insurers evaluate how well the condition is controlled. - Hospitalisations or ER Visits
A history of emergency treatment for AFib episodes can be a red flag for instability or high risk.
How Does a Fib Affect Life Insurance Rates?
Here’s a table outlining how AFib may affect life insurance cost and price categories, depending on several health and condition-related variables:
| AFib Condition | Control & Treatment | Other Health Issues | Impact on Life Insurance Price |
| Occasional (Paroxysmal) AFib | Well-managed with medication | None | May still qualify for standard pricing |
| Occasional AFib | Well-managed + mild hypertension | Controlled | Slight increase in cost depending on age and duration |
| Persistent AFib | Controlled with medication | High cholesterol or diabetes | Moderate to high cost, depending on treatment success |
| Permanent AFib | Requires ongoing treatment | Present | Higher insurance price due to long-term cardiovascular risk |
| Any AFib | Uncontrolled, frequent episodes | Present | May lead to postponed or declined cover |
What Types of Life Insurance Are Available for People with A Fib?
Here are the main types of life insurance available for people with atrial fibrillation (AFib), each with varying levels of coverage and eligibility depending on your health history:
- Term Life Insurance
Offers coverage for a set period, such as 10, 20, or 30 years. It’s generally more affordable and may be available if your AFib is well-managed and you have no major complications. - Whole Life Insurance
Provides lifelong coverage with a guaranteed death benefit and cash value accumulation. Insurers assess your AFib control, treatment plan, and any coexisting conditions before approval. - Universal Life Insurance
This permanent policy allows for flexible premiums and death benefits. It’s suitable for applicants who want long-term coverage and have a stable AFib condition. - Simplified Issue Life Insurance
Requires no medical exam but involves detailed health questions. Ideal if your AFib is under control, but you want to avoid full underwriting. - Guaranteed Issue Life Insurance
No medical exam or health questions are required. Premiums are higher, and benefits are limited, but it’s an option for those with severe or long-standing AFib.
How Does Atrial Fibrillation Life Insurance Work?
Life insurance for people with atrial fibrillation works by assessing the overall risk based on your heart condition, treatment plan, and general health. When applying, insurers evaluate how well your AFib is managed, whether it’s paroxysmal, persistent, or permanent, and if there are any related complications like high blood pressure or heart failure.
Underwriters will review your medical records, test results, and lifestyle habits to determine eligibility and pricing. Some policies may require a medical exam, while others offer simplified or guaranteed issue options. The more stable and well-controlled your condition, the better your chances of securing affordable coverage.
How Does the Application Process Work for Life Insurance with A Fib?
The application process for life insurance with atrial fibrillation involves several steps focused on understanding your heart condition and overall health profile. After selecting a provider or working with a broker, you’ll fill out a detailed application that includes medical history, lifestyle habits, and specific questions about your atrial fibrillation.
You’ll need to share information such as the type of AFib (paroxysmal, persistent, or permanent), when it was diagnosed, frequency of episodes, prescribed medications, and whether you’ve had any procedures like cardioversion or ablation. The insurer may also ask if you experience symptoms like shortness of breath, fatigue, or palpitations, and whether you’ve been hospitalized or had any complications such as stroke or heart failure.
In most cases, insurers will request access to your medical records and may require a medical exam, which can include blood and urine tests, blood pressure readings, and an ECG or EKG. If the condition is stable and well managed, your application may progress quickly. However, if there are signs of complications or recent changes in health, underwriting may take longer.
Overall, transparency is essential. Providing complete and accurate details about your atrial fibrillation helps insurers offer coverage that accurately reflects your health status.
Do You Need to Have a Medical Exam to Get Life Insurance with A Heart Condition?
Yes, in most cases, you will need to complete a medical exam to apply for life insurance with a heart condition such as atrial fibrillation. This exam helps insurers evaluate your overall health and assess the stability and severity of your AFib. The process includes blood and urine tests, a physical examination, and in some cases, an ECG. However, there are also “no medical exam” life insurance options available for people with AFib. These policies often come with higher premiums and lower cover amounts, but they can be suitable if your condition is well-managed or if you prefer a faster application process.
How Should You Prepare for Your Life Insurance Medical Exam if You Have a Fib?
Preparing for a life insurance medical exam with atrial fibrillation involves a few practical steps to help present your health in the best possible light. Aim to get a good night’s sleep and stay well-hydrated the day before your exam. Avoid caffeine, alcohol, and strenuous activity for at least 24 hours, as these can influence your heart rate and blood pressure.
If you’re taking medication for AFib or related conditions like high blood pressure, continue your prescribed dosage unless advised otherwise by your doctor. Bring a list of your medications and medical history to the exam, including information about your atrial fibrillation diagnosis, any treatments or procedures (like cardioversion or ablation), and current symptom status. This preparation not only helps the examiner but also shows that you’re actively managing your condition, which may support a more favourable life insurance outcome.
Should You Wait Until Your Condition Is Stable Before Applying?
Yes, you should wait until your condition is stable before applying. Stability shows insurers that your atrial fibrillation is being effectively managed, which may improve your application outcome, influence your cost, and reduce the likelihood of policy delays.
What Are Common Mistakes to Avoid when Applying for Life Insurance with A Fib?
- Hiding or downplaying your condition: Not disclosing atrial fibrillation can result in denial of coverage or claim issues later. Always provide honest, accurate details.
- Applying without updated medical records: Insurers rely on recent health data. Outdated or missing reports can delay your application or result in higher premiums.
- Ignoring specialist follow-ups: Lack of regular cardiology reviews may signal poor condition management. Showing consistent care improves your eligibility and price range.
- Rushing the application during flare-ups: Applying when symptoms are unstable could lead to automatic declines or increased rates. Apply when your condition is stable.
- Choosing the wrong policy type: Not all life insurance options suit people with AFib. Consult with a knowledgeable advisor to select the right coverage type for your health and budget.
Will Your Life Insurance Pay Out If You Die from a Fib-Related Event?
Yes, your life insurance will generally pay out if you die from an AFib-related event, as long as your condition was disclosed during the application. Accurate disclosure ensures the insurer honours the policy without delays or disputes during the claims process.
Why Choose Black Swan Insurance Group for Life Insurance?
Choose Black Swan Insurance Group for life insurance because we focus on clarity, trust, and customized coverage for every health profile. Whether you’re managing AFib or another condition, our team supports your journey with personalized advice, transparent quotes, and flexible options that align with your goals, lifestyle, and future planning needs.
Can you get life insurance after a heart attack?
Yes, you can get life insurance after a heart attack, but eligibility depends on your recovery, medical history, and current heart health. Insurers assess factors like medications, follow-up care, and lifestyle changes to determine your coverage and premium.
