When you apply for Life Insurance, atrial fibrillation will need to be disclosed on your application and you should be prepared that most insurers will look to accept your application anywhere from a small premium loading through to a decline. The insurance provider will generally want to see a report from your GP detailing the results of any ECHO and thyroid hormone investigations that have been completed. Where there are only a handful of attacks per year, no recent hospitalisation or associated conditions such as syncope, dyspnoea or chest pain then Life Insurance may be available with a small premium loading.
Where attacks are more frequent and there are associated conditions such as high blood pressure the application may be subject to a higher policy premium. If atrial fibrillation causes regular attacks and there is related underlying heart disease such as cardiomyopathy or angina, it is possible that your application will be subject to heavy premium loadings or declined.
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Critical Illness Cover
When you have atrial fibrillation a Critical Illness Cover application will typically be underwritten with slightly stronger acceptance guidelines than that of Life Insurance. Again, any offer of Critical Illness Cover will probably be subject to the results of a medical report from your GP detailing any related conditions that are present and the results of any investigations undertaken. Where attacks are infrequent, no hospitalisation has occurred and there is no related heart disease you may be able to secure Critical Illness Cover with a moderate premium increase. As an alternative you may be able to secure Serious Illness Cover with no premium increase but an exclusion for any cardiovascular claims on the policy.
Where the atrial fibrillation causes more regular attacks (4 or more per year) your application may be postponed until a time where the flare ups have reduced. If you have regular attacks and/or associated cardiomyopathy, angina or high blood pressure the insurance provider may choose to decline Critical Illness Cover.
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Income Protection for people with atrial fibrillation will often be subject to similar underwriting terms as that of Life Insurance. A medical report from your GP is likely to be required so that the insurer can get a general picture of your current state of health. Where attacks are infrequent, no hospitalisation has occurred and there is no associated heart disease the Income Protection policy may be available with a small premium loading. If your atrial fibrillation causes regular flare-ups and/or you have underlying heart disease your Income Protection policy may be accepted anywhere from a large premium loading through to a decline of cover.
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Where atrial fibrillation causes your Income Protection policy to be priced out of your budget or declined altogether, it is worthwhile considering Accident, Sickness and Unemployment Cover. This policy provides short-term income protection for between 12-24 months to replace your regular monthly income in the event that you are unable to work due to disability, injury or involuntary redundancy. Accident, Sickness and/or Unemployment Cover is not medically underwritten which means that your atrial fibrillation will have no impact upon the acceptance terms of your policy. You must be aware though that whilst this is the case, any claim made on the policy will be subject to medical underwriting and pre-existing conditions are not covered by the policy.
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