Atrial Fibrillation Life InsuranceFacts about Atrial Fibrillation Life InsuranceHave you been diagnosed with atrial fibrillation or experience symptoms of such as an irregular heart rhythm, heart palpitations and chest pain? We understand how distressing experiencing any form of heart condition can be, and that is why we are here to support you through times of need.Whether you are searching for generic atrial fibrillation life insurance policies, to critical illness cover, income protection and travel insurance cover, we have highly valuable yet affordable options available.We work with the best life insurance companies out there, therefore we can assure you that appropriate insurance cover will be available, including fair life insurance rates.Speak to our expert team today who will get to know your personal circumstances, atrial fibrillation diagnosis and symptoms. We will also provide you with a free quote for suitable cover such as atrial fibrillation life insurance cover! Contact us here: 01244 732 890.How much does atrial fibrillation life insurance cost?When applying for atrial fibrillation life insurance, the cost of cover will vary depending on your diagnosis. Life insurance providers will request a copy of your medical records to understand the severity of your attacks, along with any previous symptoms/related conditions such as heart failure, high blood pressure, blood clots and heart attacks. If your diagnosis is mild, with no recent attacks, hospitalisation or related heart problems, cover will usually be offered with a small premium loading.However, where attacks are more frequent and have related medical conditions such as high blood pressure, high premiums may be applied to your atrial fibrillation life insurance cover. If you do experience regular paroxysmal atrial fibrillation attacks, your application may be declined or include significant premiums and exclusions.To discuss your personal circumstances and to apply for life insurance, contact our team today! 01244 732 890.Your premiums for atrial fibrillation life insurance will depend on: Your diagnosis including related conditions such as heart attacks and blood clots The regularity of your attacks Your medical records including any further heart conditions The type of insurance product you’re looking for –(Income protection, critical illness cover, travel insurance) The term of your atrial fibrillation life insurance policyPercentage (%) loading for atrial fibrillation life insuranceWhen applying for atrial fibrillation life insurance, insurance providers will calculate the cost of your cover by using a percentage loading strategy. This is where a percentage is added to your premiums based on your diagnosis and related health conditions. Please be aware the below is just an example, and percentages vary depending on your selected provider when applying for atrial fibrillation life insurance.Per mille loadings for atrial fibrillation life insuranceA further outcome you may experience when applying for atrial fibrillation life insurance is ‘per mille loading’. This is where an additional figure is applied to your premiums, which is calculated on the amount of cover you apply for.To discuss how your premiums can be affected when applying for atrial fibrillation life insurance, contact our expert team here.Exclusions for atrial fibrillation life insurance, critical illness cover, income protection or travel insuranceWhen applying for atrial fibrillation life insurance, critical illness cover, income protection or life insurance through our providers, you may also experience ‘exclusions’. Exclusions are classified as conditions which are related or caused by your atrial fibrillation diagnosis.Depending on your circumstances, they may be excluded from your policy.How much cover do I need?If you are applying for atrial fibrillation life insurance, critical illness cover, income protection or life insurance, it is difficult to give an estimation currently. However, your diagnosis and budget will have an influence on the recommended amount. Once we have received your requirements, a clearer recommendation will be provided. In the meantime, here’s some guidance on factors to consider prior to applying for atrial fibrillation life insurance:Atrial Fibrillation life insurance amounts of coverIf you are applying for atrial fibrillation life insurance, it is highly likely that insurance providers will request a copy of your medical history, along with details of your diagnosis. If your diagnosis is mild, with irregular attacks and no further heart conditions, life insurance over will be offered with a small premium.However, if your case is severe where attacks are regular, greater premiums and exclusions will be added to your policy, or the possibility of having your application declined. If you are eligible for atrial fibrillation life insurance, here are some factors to consider: Mortgage amount (£’s) Outstanding debt (e.g. Loans, second charge, credit cards and other) Dependents Spouse or Partner Income (after Tax) Assets (e.g. car, house, business etc.)To discuss your application for life insurance contact our team on 01244 732 890.Atrial fibrillation critical illness cover amountsWhen applying for critical illness cover with an atrial fibrillation diagnosis, the underwritten guidelines will normally be stricter than those of life insurance. Your likelihood will have a high dependency on your medical history report, including the frequency of your attacks and the severity of your symptoms. If your attacks are irregular, with no recent hospitalisation or life limiting symptoms, critical illness cover will be offered with a moderate premium increase.If your atrial fibrillation is severe, attacks are regular, or you have serious related conditions, your application may be postponed or declined. To discuss your eligibility for critical illness cover, contact our team today! If this policy is unsuitable for you, they will do their upmost to source an alternative product. Prior to applying for critical illness cover, consider these factors: Income (after Tax) Mortgage payments (annual) Cost of living (annual) Any other possible costs (e.g. medical treatment or adaptations) Atrial fibrillation income protection amounts of coverSimilar to the underwritten guidelines of life insurance, income protection cover for those with mild symptoms and irregular attacks is available. Income protection will usually be offered if you have no further medical conditions with a small loading. If your condition is severe with regular attacks, your policy will be offered with higher premiums, or in some cases declined.If you are declined income protection cover, there are alternative policies available such as Accident, sickness and unemployment cover. Contact our team to discuss this option today!If income protection is of interest, here are factors to consider: Monthly income (after tax) Mortgage/rent payments Debts (other) Cost of livingAtrial fibrillation travel insurance amounts of coverIf you are travelling with atrial fibrillation, be sure to obtain suitable travel insurance today! We will advise you on which travel insurance is suitable for those with pre-existing medical conditions to ensure you are fully protected when travelling. To discuss our policies or to progress with your travel insurance cover, contact our team today! They will source affordable cover from our database of top insurers! 01244732 890.Purchasing your atrial fibrillation life insurance policy with iam|INSUREDIf you are living with atrial fibrillation or suffer with related medical conditions, we are here to support you. Through our database of top UK life insurers, we will source you the most affordable atrial fibrillation life insurance, income protection, critical illness cover and travel insurance policies.From the first point of contact we will do our upmost to get to know your situation and provide you with cover which reflects your needs. We can assure you that helping you protect yourself, your future and your family is a priority to us here at iam|INSURED.To start your atrial fibrillation life insurance policy today, contact our expert team of consultants on 01244 732 890.