Atrial Fibrillation Life Insurance

Health conditions high risk insurance atrial fibrillation

We understand that for many people with Atrial Fibrillation, the condition may not be particularly serious. Many people are not even aware that they have the condition before being diagnosed! But this is a condition that can have a notable impact on life insurance applications. And that's where we come in. We've been helping people with AF to get the most appropriate life insurance for years.

For those whose condition is fully controlled and there are no secondary conditions, you may be able to get life insurance at non-standard terms (which essentially means higher pricing). Much will depend upon how the condition is affecting you and the insurer will want to get a full picture of your overall health, before offering you cover.

The insurers will want plenty of information from you, including:

  • Whether you have been suffering from things like chest pains, shortness of breath and fainting?
  • What treatment you receive for your condition?
  • How the condition affects your day to day life?
  • Whether your condition is fully controlled?
  • What your day to day health is like?
  • Whether you have any associated secondary conditions?

It might seem daunting to make an application with a condition like Atrial Fibrillation, but we'll help you establish exactly what information you'll need to provide and to secure the most appropriate policy.

If your day to day health is generally good, and you haven't had to go to hospital because of the condition, then you're more likely to be accepted for a near standard terms policy (small premium increase). The insurer will most likely require a report from your GP, at the expense of the insurer, not you!. They will be looking at your general overall health and results of any testing that you have had done, such as echocardiography and any underlying conditions that you may have.

Get a Life Insurance Quote

Atrial Fibrillation Critical Illness Cover

As with life insurance applications, critical illness cover applications will also ask for information about your day to day health, secondary conditions, if you have chest pains, fainting or shortness of breath. Again, they will be particularly interested in how often you suffer these episodes, if it's very infrequent you may be able to obtain cover with only slightly increased premiums. If the episodes are more frequent, usually 4 or more a year, then some insurers might want you to wait until this has been controlled and reduced before starting the cover.

With any critical illness insurance application it's really quite common for an insurer to request a GP report to get a full picture of your overall health. You may find that critical illness cover, where it is available, is offered with exclusions to claims relating to the cardiovascular system e.g. heart attacks.

We aim to take as much of the hassle out of the application process as possible for you, leaving you to get on with living your life!

Get a Critical Illness Cover Quote

Atrial Fibrillation Income Protection

As with other types of policy income protection applications are likely to also require a report from your GP in order to obtain a general picture of your current state of health. The insurer will need to know the frequency of attacks and whether you have had to attend hospital as a result of an attack, and whether you have any associated heart disease.

If your atrial fibrillation causes regular flare-ups and/or you have underlying heart disease it may be that you have had to have time off work as a result. This is something that the insurer will be looking for and this will determine if the premiums of the Income Protection Policy are near standard or significantly higher than usual.

Get an Income Protection Quote

If you find that the terms of Income Protection simply do not suit you then Accident, Sickness and Unemployment Cover might be more suitable for you. This policy will provide you with a monthly income replacement of 12-24 months if you find yourself unable to work due to long term injury, disability or voluntary redundancy.

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.

Get an Accident, Sickness and Unemployment Quote

Atrial Fibrillation Travel Insurance

If you're planning a break in the near future, then speak to a specialist travel insurance broker who can help you to get the right cover that takes your atrial fibrillation into account. Find out more by visiting our travel page here.

Our Recent Awards

Cover excellence awards winner 2018 PA Women in Financial Advice Awards Winner 2018 MoneyFacts Awards protection advisor 2018 Cover excellence awards highly commended 2018 MMA Best protection adviser Winner 2018

See our About Us page for more.

Feefo gold service award 2019


What is Atrial Fibrillation

Atrial fibrillation occurs when the heartbeat is irregular (arrhythmia) and does not fall within the average beats per minutes; between 60 and 100. The condition is caused by the upper chambers of the heart (atria) contracting at irregular intervals that stop the heart from being able to function efficiently. It is possible to have atrial fibrillation and not be aware of the condition.

Also: AF, paroxysmal atrial fibrillation, persistent atrial fibrillation, longstanding persistent atrial fibrillation, permanent atrial fibrillation

Linked with: Ischaemic heart disease, high blood pressure, atherosclerosis, angina, low blood pressure, heart attack, cardiomyopathy, pericardial disease, stroke

Possible Effects on Lifestyle

Some people may experience some or all of the following symptoms and problems:

  • Need for regular rest
  • Effects to lifestyle are not always present
  • Dizziness
  • shortness of breath
  • fatigue
  • palpitations

Medications and Treatments

  • Acebutolol
  • Acebutolol Hydrochloride (Sectral)
  • Acenocoumarol (Sinthrome)
  • Amiodarone
  • Amiodarone Hydrochloride (Cordarone X, Minijet amiodarone)
  • Aspirin
  • Atenolol
  • Betaloc
  • Bisoprolol fumarate (Cardicor, Emcor)
  • Bivalirudin (Angiox)
  • Cardioversion
  • Cathar ablation
  • Dalteparin
  • Digoxin (Lanoxin)
  • Dronedarone hydrochloride (Multaq)
  • Enoxaparin
  • Enoxaparin Sodium (Clexane)
  • Flecainide
  • Flecainide Acetate (Tambocor)
  • Fragmin
  • Inderal
  • Lopresor
  • Metoprolol
  • Nadolol (Corgard)
  • Nebivolol
  • Nebivolol Hydrochloride (Nebilet)
  • Oxprenolol
  • Oxprenolol Hydrochloride (Trasicor )
  • Pacemaker
  • Propafenone (Arythmol)
  • Propranolol
  • Propanolol Hydrochloride (Syprol)
  • Sotacor
  • Sotalol
  • Sotalol Hydrocholride (Beta-Cardone)
  • Tenormin
  • Ticagrelor (Brilique)
  • Verapamil
  • Verapamil Hydrochloride (Cordilox, Securon, Univer, Vera-Til, Vertab, Zolvera)
  • Warfarin (Marevan)

Further Reading and Research

Common Questions

1. My Atrial Fibrillation causes mild fatigue only. Will that stop me getting life insurance?

You’ll be asked a number of questions about your condition on an application and a very mild condition isn’t likely to cause too much trouble in terms of a life insurance application. You’ll probably find plenty of availability in terms of policies available.

If you were recently diagnosed, have had significant treatment changes or are awaiting investigations, some insurers will want to postpone your application until things have settled down. Don’t worry, there are plenty of options still out there its just a matter of knowing where to look, and that’s what we do day in day out.

Client Reviews

The Special Risks Bureau has been rated 5.0 out of 5 based on 250 reviews.

Review by Rick on 1st November 2018

The most helpful and knowledgeable brokers I have used. Always kept me updated on progress and products available. Alan couldn't do enough to help me get the best suited policy for my needs. - 5 Stars

You can read more of our reviews here.

For more information on specific health conditions, pastimes, occupations and countries please select here:

Author

Kathryn Knowles, Managing Director

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here.