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Atrial Fibrilation Life Insurance

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Atrial Fibrillation Life Insurance

If you suffer from Atrial Fibrillation and need Life Insurance, you may already know from personal experience that terms can be difficult to get. People with Atrial Fibrillation will need to complete a questionnaire and insurer underwriters will want to obtain your medical records. This page looks at How Atrial Fibrillation and Life Insurance will be assessed.

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How it works

If you have been diagnosed with Atrial Fibrillation and want Life Insurance, you will need to disclose information about your condition such as:

  • Date of diagnosis
  • Most recent attack / symptoms
  • any recent hospitalisation
  • Medication / treatment
  • Results of ECHO and Thyroid Hormone investigations

The Insurance Surgery is a leading life insurance expert for people who have pre-existing medical conditions such as Atrial Fibrillation. Our team of expert Life Insurance advisors have helped thousands of individuals, families and businesses to protect themselves and their financial futures.

Most Common Questions

Most insurance providers will at least consider an application fo Life Insurance with a history of Atrial Fibrillation, and final terms will depend on severity / frequency of attacks, treatments / medication and any other related condition. You may find that decisions on cover or terms will vary dramatically from one insurance provider to another for Atrial Fibrillation depending on underwriting guidance and criteria.
Underwriting for Critical Illness Cover and Income Protection is more strict than it is for Life Insurance due to the type of products they are. You may find that some providers will offer types of cover, either with or without exclusions and usually with some sort of loading to the premium. Our experts will help you to find the best provider for your circumstances and to help you to get the most competitive premiums.

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Atrial Fibrillation Life Insurance:

Someone who has been diagnosed with Atrial Fibrillation and needs Life Insurance, will find it is certainly possible to obtain cover in most cases. Insurance underwriters will want to know the details of your Atrial Fibrillation which will include how many attacks you have suffered in the past several years, as well as the frequency and severity of those attacks. They will also want to see a medical report from your GP as well as results of any Thyroid Hormone investigations and any ECHO done recently.

Life Insurance terms for Atrial Fibrillation will generally vary depending on the number of attacks suffered each year, any recent hospitalisation and any associated conditions such as High Blood Pressure, Cardiomyopathy or Angina. Terms can be offered with a small rating if the condition is well controlled with few attacks or can be rated heavily if there are complications, even up to a decline for more severe cases.

Critical Illness Cover for Atrial Fibrillation:

Anyone who has a history of Atrial Fibrillation and is looking for Critical Illness Cover, you will find that you will be required to submit your medical records to underwriters to support your application. In some less severe cases where there have been few attacks in recent times and there are no additional complications, you may find the terms may be offered with a small premium loading and / or some exclusions for cardiovascular related conditions. For more severe casesof Atrial Fibrillation where the attacks have been more frequent, you may also find that cover can be postponed for a period of time until the condition has been brought under control.

As with Life Insurance for Atrial Fibrillation, for more serious cases where there are related conditions such as High Blood Pressure, Angina or Cardiomyopathy, or if attacks are more frequent, then you may also find that Critical Illness Cover may be declined.

Income Protection and Atrial Fibrillation:

Income Protection for people with Atrial Fibrillation is assessed in a very similar way to Critical Illness Cover and will more than likely require a full medical report from a small loading, with exclusions up to a large rating to premiums or even a decline in more severe cases with additional complications. Our experience shows that there are only certain insurers who will consider Income Protection for Atrial Fibrillation so it is important to apply to the best provider to suit your circumstances.

Facts about Atrial Fibrillation:

Atrial Fibrillation (also known as AF of AFib) is a condition where there is an irregular heartbeat (arrhythmia) that can result in Stroke, Heart Failure, Blood Clots and other Cardiovascular related problems.

Atrial Fibrillation statistics (UK):

  • 1 in 4 at risk of developing AF over the age of 40
  • 50% of people who have suffered an AF related Stroke will not survive past 12 months
  • 33% do not realise that they have developed Atrial Fibrillation
  • You are 5 x more likely to suffer an AF related stroke if untreated


Causes of Atrial Fibrillation:

Nobody currently knows the exact cause of Atrial Fibrillation, however it is known that it is more common within certain age groups (over 40) and social groups.

Atrial Fibrillation is also more commonly found in people who suffer from other heart related conditions, such as:

  • Heart Valve Disease
  • Cardiomyopathy
  • Raised Blood Pressure (Hypertension)
  • Congenital Heart Disease
  • Pericarditis
  • Atherosclerosis

It can also be connected to a number of other medical conditions, such as:

  • Diabetes
  • Asthma
  • Overactive Thyroid
  • COPD
  • Lung Cancer

It is also known that there are certain events that can cause an episode of Atrial Fibrillation to trigger, including:

  • Excessive / Binge drinking
  • Obesity
  • Smoking tobacco products
  • Excessive amounts of caffeine
  • Illegal drugs

Useful Links:

The British Heart Foundation: www.bhf.org.uk/heart-health/conditions/atrial-fibrillation
AFib Matters: www.afibmatters.org/en_GB
NHS Choices (Atrial Fibrillation): www.nhs.uk/Conditions/Atrial-fibrillation/Pages/Introduction.aspx

The Insurance Surgery is a leading Life Insurance and Travel Insurance expert for people with pre-existing medical conditions such as Atrial Fibrillation. Our team of expert advisers have helped thousands of individuals, families and businesses to protect themselves and their financial future.

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