Atrial Fibrillation Life Insurance
If you suffer with Atrial Fibrillation, knowing where to look to obtain the most competitive price for Life Insurance may feel overwhelming. Many insurers will dramatically increase premiums in the case of an Atrial Fibrillation diagnosis, and some may refuse cover altogether.
But we’re here to help take the stress and unknowns out of the process for you.
Life Insurance with Atrial Fibrillation
Life Insurance companies will ask several questions surrounding your Atrial Fibrillation to better understand how the AF affects you. The frequency & severity of symptoms you experience will directly impact the price you are offered. Below are a few examples of the types of questions you could be asked during the quotation process:
- When were you diagnosed with Atrial Fibrillation?
- Are you waiting for any investigations?
- Has any cause been identified? E.g. Underlying Heart Condition, Anxiety, Thyroid Condition etc…
- Have you had an Implantable cardioverter defibrillator (ICD) fitted?
- How often do you experience symptoms of Atrial Fibrillation?
- When were your last symptoms of Atrial Fibrillation?
- Are you taking any medication to control your symptoms?
The Impact of Atrial Fibrillation on Life Insurance
The cause and severity of your condition will directly impact the premium you are offered. And given that all Life Insurance companies have different underwriting rules for Atrial Fibrillation, it can be hard to know where to start!
Your Life Protected has years of experience securing Life Insurance for people with medical conditions, such as Atrial Fibrillation and know which insurers are most sympathetic to each condition. We will do the leg work to find you the most suitable policy for your unique situation.
If you would like to get a quote for Atrial Fibrillation Life Insurance, you can request a quote online or call our experts on 01275 404 268.
- Why does Atrial Fibrillation affect Life Insurance?
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By its nature Atrial Fibrillation causes an irregular and rapid heart rate. If left untreated, or poorly controlled the condition can lead to serious complications such as a Stroke, or in some cases Heart Failure. It is for this reason that Life Insurance companies will always look at details of your diagnosis, the control of your AF, along with frequency and type symptoms you experience. For many clients with well controlled Atrial Fibrillation, there will be no (or little) change to their premiums.
- I was diagnosed with Atrial Fibrillation after taking out Life Insurance, do I need to update my details?
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The short answer to this is no. Certainty in most cases, Life Insurance companies assess your medical details at application stage and there is no need to update your details. This is not the case with every provider, if you have any concerns, it’s always best to speak with your existing life insurance company to check.
- Can I get Critical Illness Cover with Atrial Fibrillation?
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Like with other medical conditions, securing Critical Illness Cover is always slightly trickier than Life Insurance. This said, there are usually companies willing to consider offering cover, assuming your AF is well controlled. To see what options are available, speak with one of our experts for advice.
