At Diversified Insurance Brokers, we help clients with atrial fibrillation (AFib) secure life insurance coverage—even after past declines. With access to over 100 top-rated carriers and decades of experience in high-risk underwriting, we know how to position your application for the best possible outcome.

Request Your Atrial Fibrillation Life Insurance Quote

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How Atrial Fibrillation Impacts Life Insurance

• Type of AFib: Paroxysmal, persistent, or permanent AFib can impact ratings differently.
• Frequency of Episodes: How often AFib occurs and whether it’s controlled.
• Underlying Causes: Hypertension, heart valve issues, or other cardiac conditions.
• Treatment and Medications: Blood thinners, beta blockers, and other prescribed care.

Who This Coverage Is Best For

• Applicants with well-controlled AFib and regular cardiology follow-ups.
• Individuals without recent hospitalizations or complications.
• People seeking affordable coverage despite a cardiac history.

What Improves Approval Chances

• Stable condition for 12 months or more with no major episodes.
• Good control of blood pressure, cholesterol, and other risk factors.
• Up-to-date EKGs, echocardiograms, or Holter monitor results.

Typical Outcomes We See

• Well-controlled, minimal symptoms: Standard or slightly rated offers possible.
• Moderate, occasional episodes: Table-rated approvals with fair pricing.
• Frequent or uncontrolled AFib: Guaranteed issue or graded benefit policies.

Why Work With Diversified Insurance Brokers

• Access to 100+ A-rated carriers: Increases your approval odds.
• Specialized underwriting insight: We know which insurers are AFib-friendly.
• Streamlined process: We handle medical records and carrier communications.
• Confidential service: Your privacy is always protected.

Example Case

A 62-year-old with persistent AFib, well-controlled on medication, was declined elsewhere. We matched them with a carrier offering a $250,000 10-year term at a moderate table rating, saving over $500 annually compared to other quotes.

Start your confidential review: Submit your AFib life insurance request and we’ll shop the best carriers for your case.