Afib Life Insurance – If you’ve been diagnosed with atrial fibrillation or AFib, can you still qualify for life insurance? What will your level be? Are you being asked?
AFib, you will not get a call from the operator when you apply for life insurance. Any heart condition sends many workers to the edge; However, here at Heart Life Insurance, we like to find people with conditions like atrial fibrillation at the lowest life insurance rates.
Afib Life Insurance
We know the best centers for heart disease. We trade impartially on your behalf to protect your privacy and work directly with underwriters to get you the lowest price for your situation.
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This is a helpful guide to the article, feel free to go directly to the section you want.
In atrial fibrillation, the two upper chambers of your heart don’t work together and only the lower two chambers, which can cause weakness or shortness of breath. These events may come and go or be permanent and may require medication and care.
The good news is that atrial fibrillation is not fatal. That’s why we’ve had years of success in getting the best rates on atrial fibrillation life insurance.
Then one of the writing experts will contact you to ask quick and specific medical questions about atrial fibrillation. Your privacy is agreed to
Epidemiology And Modifiable Risk Factors For Atrial Fibrillation
Finally, the best life insurance companies with the best rates for AFib are compared to help you get the best deal. Good luck!
In short, it all depends on how you manage your condition and stroke risk.
How you manage AFib will determine your health class. Your health class is determined by many factors, many of which come from your prescription or doctor’s note.
Life insurance underwriters must consider any treatment for atrial fibrillation in the past 10 years. They will determine if the treatment is successful and if the condition is under control.
Atrial Fibrillation Life Insurance
In order to get the best rates, it is important to get a professional underwriter involved at the beginning of the process because they know what is in these details!
Things like your recent BNP or proBNPscore can affect your health class. Another first step is your doctor’s explanation of your condition.
Is AFib paroxysmal, intermittent or permanent? The difference in coverage and life insurance you may qualify for can be significant!
In order for the prescriber to see your treatment as a success, you need to be treated with antiarrhythmic drugs for 6 to 24 months without any change in your condition.
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Regular medications are common in the treatment of AFib. Taking medication regularly over a long period of time is a good indicator that your condition is under control.
Drugs such as Dofetilide, Tikosyn, Flecainide, Propafenone, Amiodarone (Cordarone, Pacerone), Sotalol, Betapace, and Sorine are used to effectively treat atrial fibrillation.
Your doctor may also prescribe blood thinners, such as warfarin (Coumadin), depending on your condition. We have helped clients get these drugs approved for life insurance in the past.
If you take medication, especially anticoagulants such as dabigatran, apixaban, or rivaroxaban, you may qualify for a better rate if your AFib is controlled.
Causes And Treatment For Atrial Fibrillation (afib)
If you have AFib, doctors and prescribers may smoke. Most insurance companies will ask you right away, but at least you are narrowing down your options.
We have been successful in obtaining life insurance for smokers with atrial fibrillation, but these cases are often difficult and expensive.
Drinking alcohol is usually healthy. However, even moderate consumption is associated with a high risk of atrial fibrillation.
For people with persistent AFib, alcohol consumption is associated with adverse changes in the heart, such as regurgitation.
Best Rates On Life Insurance With Afib •
Your age is also important when diagnosing atrial fibrillation. Were you diagnosed early or recently? Is it before the age of 60?
Life insurance companies may miss an AFib diagnosis before age 60 because the rate of treatment improvement is high before age 60. health and in terms of life insurance coverage, that’s a good thing!
On the other hand, patients with AFib are more likely to have a stroke, and this risk increases over time. So the sooner your AFib is diagnosed and properly managed, the better.
A recent check-up by your doctor within the last year or two shows whether there have been any changes in your condition. This is especially true for an echocardiogram (echo) or EKG.
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If there has been no change in the past 24 months, you are called stable and considered to be at high risk.
Not only will the prescriber be able to accurately assess your condition, but it will also ensure that you are prepared to manage AFib effectively.
If you have experienced these conditions in the past six months, they may be a sign of an unstable heart condition and the life insurance rate will be higher. Matching a multi-word or universal lifestyle can be difficult. Many options will be limited.
There then try to qualify for a better health class within 12 months after stabilization of atrial fibrillation.
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The authors will also want to know if you have other medical conditions such as high blood pressure (hypertension), heart attack, hyperthyroidism or CHF.
Remember what we said earlier, “AFIb is rarely fatal?” Sometimes, AFib is not a serious problem to deal with. Combine your AFib with one of these other conditions, and the picture gets even more complicated.
We know insurance companies that have experience with atrial fibrillation; therefore, we can get the lowest prices in the market for people with these heart conditions and others.
In most cases of AFib, it is possible, but not impossible. We are approved for life insurance at the selected rates if the AF is paroxysmal and there are no other heart conditions causing it and in good health.
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This happens when AFib is caused by an illness or something unrelated to heart disease (such as hyperthyroidism). The use of doctor’s notes, EKG and other evidence that this is an isolated case is important!
Permanent AFibbers whose conditions are controlled often follow standard criteria. The authors aim for drug stability six months to one year after cardioversion or PVI.
Chronic AFib occurs here, usually at a low level. If you are currently in AF, get a heart exam. Without a heart check, you will be terminated.
Do you have severe AF with severe heart disease? If so, your policy will be reviewed based on heart disease. Please contact us so we can personally work with you on your plan.
Understanding And Treating Afib
Many life insurance companies use NT-proBNP readings as part of their blood tests. Often, persistent AFib can alter these numbers, but if your results are positive or negative, you may be in line for a credit.
Anthony. 51. He has 6 years of irregular rhythm. He said he felt like his heart was “leaping out of his chest”.
As diagnosed by a doctor, atrial fibrillation caused irregular heartbeats. An echocardiogram showed that the heart itself was normal. LV wall thickness is normal. Anthony had a Holter monitor for two weeks. The exercise stress test was negative, and they did not develop AF during this test.
He is given Toprol XL to slow down his heart attacks, which can happen once or twice a year.
A Guide To Atrial Fibrillation
Anthony is seeking life insurance to cover his $2 million mortgage in the event of his sudden death.
Anthony’s AFib comes and goes. There is no underlying heart disease and a chest examination shows normal heart function. There are no signs of atrial remodeling, the left ventricular function appears normal, and his heart appears normal.
Because his AFib is under control, Anthony qualifies for standard life insurance rates. The added benefit of being young is that it is also good for the option of 30 years.
It doesn’t make sense to carry $2 million in life insurance for the entire loan term, so we’ve come up with two policies to save you money. $1,000,000 after twenty years and $1,000,000 after thirty years.
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20 Years Quick: Anthony has the option to convert his 20 year policy to permanent (until age 70) or else he can cancel it. It will cost about $1,005,000 in mortgage payments, and is covered by its existing 30-year policy.
After reading about AFib and life insurance, I hope you are well versed in managing this condition. The next step is to use this new knowledge to find great protection at a great price.
Life insurance for your loved one is very important, don’t you agree? What would their life be like tomorrow… if you died today?
Jimmy and the rest of the team at Heart Life Insurance are here to help