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Atrial fibrillation life insurance

Often people with atrial fibrillation are put off applying for life cover to protect their families because they think it’s too expensive, won’t pay or that they just don’t understand it.

Also, many try to get life insurance with atrial fibrillation and are refused because they don’t speak to the right companies. Our team of experts is one of the leading insurance experts in the UK for people living with medical conditions like atrial fibrillation.

According to recent figures, atrial fibrillation is the most common form of cardiac arrhythmia in the UK. There was an estimated 1.4 million people in England living with atrial fibrillation in 2016, which equated to approximately 2.5% of the population.

Of the 1.4 million people living with AF, there are an estimated 425,000 who were undiagnosed and untreated. Currently, there is no known cure for this condition, and life expectancy can be unaffected if managed properly.

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Does life insurance payout for atrial fibrillation?

Yes – if you die because of atrial fibrillation or anything connected to your condition then you should receive your benefit payment.

Life insurance will be underwritten at the point that you take out the cover and based on your health at the time. If you already have atrial fibrillation then your premiums should reflect this, and cover will include anything pre-existing.

The best route is to take out life cover when you’re younger which is cheaper naturally, and most people would be in better health.

Does critical illness cover payout for atrial fibrillation?

Some critical illness cover policies will pay out for certain things connected to atrial fibrillation and especially for serious conditions caused by this. You should check your policy wording to make sure that you’re covered for everything that you need.

Some things that might be covered by critical illness cover:

  • Surgery for cardiac arrhythmia
  • Cardioversion for cardiac arrhythmia
  • Stroke
  • Heart attack

Some critical illness policies vary so you need to check which are the best for you based on your needs and attitude to risk.

Some of the main reasons why people take out a critical illness cover policy, are to pay for certain events such as:

  • Loss of income
  • Treatment and medications
  • Pay bills and outgoings

Your critical illness cover policy is designed to provide you with a lump sum payment in the event that you are diagnosed with a serious illness. These benefits are paid out in a single sum that can be used whichever way suits you best.

Will income protection payout for atrial fibrillation?

Income protection is designed to pay out for 12 or 24 months usually which will cover your salary while you are unable to work.

If you suffer any issues relating to your atrial fibrillation which causes you to need time off work then your claim should be paid. There are a number of reasons why atrial fibrillation can cause time off work, as long as your doctor has signed you off then you will receive payment.

Some of the main reasons why you might need to claim on income protection cover with atrial fibrillation:

  • Dizziness
  • Chest pain
  • Fatigue
  • Palpitations

Where symptoms are more severe and result in prolonged periods of time out of work then you should receive payment.

Getting life insurance with atrial fibrillation

Over the last 20 years, we have helped thousands of families to get the right financial protection with all types of medical conditions.

There’s no better way to protect your family’s financial future and often premiums can be lower than you might think. Don’t be put off taking out life insurance because of your medical history, there are people who can help.

Can I get life insurance with atrial fibrillation?

It is usually possible to get life insurance with atrial fibrillation and often can be cheaper than you think. There are companies that are far better than others with this type of medical condition which can save you substantial amounts of money.

There are several points that will be taken into account when you apply for life insurance with atrial fibrillation. We’ll help to answer some of the main questions that you might have and explain how it all works.

Premiums for life insurance with any pre-existing medical condition will be based on:

  • Lifestyle
  • Symptoms
  • Treatment
  • Health
  • Age

Some insurance providers will naturally offer cheaper premiums for certain medical conditions than others. Our experts will find the best insurer for you and provide you with the cheapest quotes.

Will I need a medical to get atrial fibrillation life insurance?

If you disclose atrial fibrillation on your life insurance application then it is more than likely that your insurer will ask to view your GP report.

This is absolutely standard practice and often can be the best route as this guarantees the validity of your policy. You shouldn’t worry about being asked to provide additional medical evidence as this is normal.

There are several different types of medical evidence:

  • Nurse screening (blood tests etc.)
  • Medical evidence (GP report)
  • Targeted medical report (specific GP information)

You do not need to do anything or pay for any of these things as they are all paid for by insurers.

Medical questions for atrial fibrillation life insurance

Here are some of the main questions that you would be asked on a life insurance application when you disclose atrial fibrillation:

  • Are you awaiting any referrals, surgery, investigations or treatment?
  • When were you first diagnosed with atrial fibrillation?
  • Was this condition caused by Angina, Heart valve problems, Cardiomyopathy, Thyroid problems, Stroke, Alcohol, Blood pressure or Caffeine?
  • How often do you experience symptoms?

You need to provide as much information as you can and be as accurate as possible to ensure that you get the right rates.

Cheaper life insurance with atrial fibrillation

It is possible to get cheaper life insurance premiums by following a few simple steps and even by applying to the right companies.

Most insurance companies don’t have the expertise or experience to give the best advice to people with medical conditions such as atrial fibrillation. There are a number of reasons why your premiums could be lower, such as:

  • Lifestyle: you can make certain changes to your lifestyle which might have a positive impact on your premiums, including diet, exercise and mental wellbeing
  • Medications and treatments: your treatment can have an impact on your premiums so applying for life cover at the optimum time could help reduce your premiums. Often immediately after an event or during more severe periods can be more difficult
  • Providers and insurers: certain insurers are better than others when it comes to underwriting different types of medical conditions. An expert like us can help you to find that company and save you money

Medical conditions linked to atrial fibrillation

There are a number of conditions that can be linked to atrial fibrillation and several conditions that it can lead to.

Common questions about atrial fibrillation

Here are a few of the most common questions that people ask about atrial fibrillation and living with the condition.

What is the life expectancy for someone living with atrial fibrillation?

In a survey of patients diagnosed with atrial fibrillation between the ages of 55 to 74, the ten-year mortality rate was 61.5% overall. When compared to people without AF, the average among men was 30% and women were 20.9%.

Can you cure atrial fibrillation or can it go away?

The condition does not have a known cure currently, however, the condition can be well managed with lifestyle changes and medications. Atrial fibrillation can lead to other more severe conditions so it’s important to manage it properly.

What should you avoid doing with atrial fibrillation?

Your doctor will advise you properly, however, there are several things that you should avoid with atrial fibrillation.

  • Alcohol
  • Caffeine
  • Grapefruit
  • Cranberry juice
  • Asparagus and Leafy vegetables
  • Salty and processed foods
  • Gluten

Useful resources

Here are a few of the useful links and resources that we found for people living with or looking for information about atrial fibrillation:

NHS Choices – atrial fibrillation

BHF – Charity

AF Association – charity

Stroke Association – charity

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