Life Insurance for Atrial Fibrillation
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.
Life Insurance with Atrial Fibrillation
If you live with atrial fibrillation, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping clients with cardiac conditions find affordable coverage tailored to their needs.
Speak with an expert who understands high-risk and chronic condition life insurance cases.
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.
FAQs: Life Insurance for Atrial Fibrillation
Can I get life insurance with atrial fibrillation?
Yes—even with AFib you can often get coverage. How you’re classified depends on how well your condition is controlled, what kind of AFib you have, and whether there are related heart issues or complications.
What AFib factors affect insurer decisions?
Insurers consider whether your AFib is paroxysmal, persistent, or permanent; how frequent your episodes are; your treatment/medication status; underlying causes like hypertension or valvular disease; and recent medical evaluations (EKG, echocardiogram, etc.).
What improves my chances of approval?
Having stable condition for at least 12 months, well controlled risk factors (blood pressure, cholesterol, etc.), up-to-date test results, and no recent hospitalizations or major AFib episodes will help your case.
What kind of outcomes or pricing might I expect?
If your AFib is well controlled with minimal symptoms, you may qualify for standard or slightly rated policies. For moderate cases, table rating is likely. If it’s uncontrolled or very frequent, you might be limited to guaranteed issue or graded benefit policies.
Who tends to do best with AFib when applying?
Those with minimal symptoms, regular follow-up with a cardiologist, well managed risk factors, stable lab and imaging results, and no recent hospital stays are more likely to receive favorable rates.
How can I work with carriers or brokers when I have AFib?
Work with brokers who specialize in high-risk underwriting. They can help gather your medical test results, understand which carriers are AFib-friendly, present your case most accurately, and shop among many insurers to find better coverage offers.
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Licensed in all 50 states • Fiduciary, family-owned since 1980
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
