The Truth About Atrial Fibrillation Life Insurance Plans
Custom HTML/CSS/JAVASCRIPT
Atrial fibrillation, also called AFIB, is an irregular heartbeat that can cause heart disease and other problems.
If you are one of the many Americans who suffer from this disease, it is critical that you have a burial insurance plan in place so that your family does not have to worry about making funeral or final arrangements if you die unexpectedly.
We’ll talk about what burial insurance is and who needs it in this piece.
What is Atrial Fibrillation Life Insurance?
If the policyholder (the insured) passes away suddenly from a cardiac arrest, atrial fibrillation life insurance pays you a death payment. In addition to their other advantages, the corporation may also provide a death benefit if you have atrial fibrillation.
Blood can flow incorrectly due to a form of abnormal heart rhythm called atrial fibrillation (AFib). The upper chambers of the heart experience aberrant electrical conductivity, which causes the heart to beat too quickly and irregularly.
Although it can happen to anyone at any age, atrial fibrillation seems to happen more frequently in older people.
Paroxysmal atrial fibrillation (PAF) and persistent atrial fibrillation are two different types of atrial fibrillation (P-AF).
PAF is a subtype of afib characterised by recurrent AFib episodes that are spaced out by symptom-free intervals. When episodes persist often in spite of treatment, the condition is known as persistent atrial fibrillation.
Symptoms of Atrial Fibrillation:
Atrial fibrillation is a rapid, irregular heartbeat that can cause shortness of breath and chest pain.
- Pain and pressure in your chest
- Short of breath
- Confused
- Dizzy
- Blood thinners
- Faint
- High blood pressure
- blood clots
- Sweaty
- Tired
- Weak
Which aspects of life insurance are affected by atrial fibrillation? The terms will depend on the severity of the attack, the frequency of treatment, the other conditions related to it, as well as the severity and frequency of the attacks. It is common for insurance companies guaranteed issue to accept an application for Life Insurance with a history of atrial fibrillation, but the terms will vary depending on the severity and frequency of the attacks.
Final Expense Insurance For People With Atrial Fibrillation
Can I get life insurance with AFIB?
The condition of atrial fibrillation by itself has no negative effects. AFIB poses a major threat to life and increases the risk of heart failure and stroke. Because of this, the majority of insurance providers raise their rates for customers who have AFib.
Would being diagnosed with atrial fibrillation prevent me from getting coverage?
Because AFib is regarded as a pre-existing condition, it can be highly time consuming to find cheap burial, last expense AFIB life insurance products.
Imagine going through all of the lengthy underwriting questions for AFib from several insurance companies repeatedly, only to be presented with high monthly rates.
You don’t have to take it that way… let’s take a stroll down the easy street!
Imagine a group of independent insurance experts that have access to the best A+-rated insurance providers in the nation.
Then they reply to you with a list of the top AFIB life insurance products at competitive prices—Sounds fantastic, right?
That’s exactly what we do!
We here at BestBurialPolicy.com have access to industry-leading final expense insurance companies in the country and we know exactly which ones are going to give the best insurance coverage for Atrial Fibrillation.
We have assisted many people with AFib in finding the greatest and most economical life insurance coverage, and we can undoubtedly assist you as well. AFIB is actually on our qualified health impairment list for same-day coverage right now!
Burial Or Final Expense Insurance Companies And Atrial Fibrillation
Let’s start with the bad news on this one
Many last expense insurance providers are so rigorous about AFib coverage that their rates are significantly higher than those of other providers. You may potentially receive worse insurance plan options that have a waiting period if you have AFib coupled with other aggravating circumstances.
Things worsen Your life insurance application may be denied or offered at exorbitantly high rates if your AFib led to anything more serious, such as a full-blown stroke or mini-stroke. Asking your life insurance agent if your particular form of heart illness will still be taken into account by your plan is still a good idea.
These kind of AFIB life insurance firms that don’t even come close to providing a reasonable policy for AFib are also frequently represented by insurance agencies.
Now, the good news
You’ve found us! We exclusively work with top-tier A+ insurance providers in the nation. Additionally, we will professionally determine which one will view your AFib scenario the best and respond to you with options at the best costs and without a waiting period.
For instance, this entails immediate insurance coverage beginning on the first day; this form of insurance plan is frequently referred to as “simple,” “preferred,” or “level.”
We will make sure that acquiring the best quality at the lowest price is straightforward and extremely easy for you.
Do I need A Medical Exam Getting Approved for Life Insurance If I Have Atrial Fibrillation?
You can purchase burial insurance without having to undergo a medical examination if you have atrial fibrillation.
Only a few health-related inquiries must be made while applying for life insurance. No blood or urine samples, or medical records, are required.
Within minutes, you’ll get the insurance company’s formal approval!
So, do insurance companies immediately provide simplified insurance coverage? You still need to go through an underwriting process, so no, not yet.
Atrial Fibrillation Underwriting Of Final Expense Insurance Companies
In the underwriting process, insurance companies will ask about the following:
- Questions about your health and ask if you have other illnesses.
- Prescribed medical history Health questions
Remember that if you decide to shop for a final expense insurance plan on your own, each term life insurance company will inquire about AFib in their own unique way. They won’t specifically name atrial fibrillation; instead, they will pose the question in a descriptive manner. More so if you take multiple blood pressure medications or blood thinners.
Examples of questions that describe AFib: Are you experiencing irregular heartbeats?
Are you experiencing rapid heartbeats without reason?
They’ll also inquire as to whether you’ve ever had AFib, when you were diagnosed with it, and whether you’ve ever been given medication to treat it.
In regard to this, you might be questioned about whether you’ve ever had a stroke, what kind it was, how long ago it was, and whether it’s been more than a year. Or if you need assistance with ADLs, or Activities of Daily Living.
There will be several inquiries regarding life insurance with atrial fibrillation in a variety of contexts.
It’s important to have the assistance of our knowledgeable Final Expense Insurance Specialists while responding to these underwriting questions so that you may answer them strategically and with the utmost honesty and receive the finest possible coverage plan.
More importantly, if you have other serious health issues along with AFib, our help in answering these underwriting questions will be crucial to what kind of insurance plans you will be offered.
AFIB And Life Insurance Carriers Underwriting
Above all, it’s critical to understand how burial insurance companies view AFIB. In fact, being aware of this will help you save a tonne of time. Additionally, many agencies won’t let you see this. However, we are confident that you will put your trust in us to place you in the finest policy for you.
Keep in mind that some situations will call for additional underwriting.
Custom HTML/CSS/JAVASCRIPT
CarrierUnderwritingAetna (Protection Series)If treated within 3 years, DECLINEAmerican Amicable (Senior Choice)ImmediateCVS (Aetna Accendo)PreferredForesters (PlanRight)PreferredGCUStandardGuarantee Trust LifeGradedLiberty BankersStandardLincoln HeritageIf treated within 2 years, ModifiedMutual of Omaha (Living Promise)If treated within 2 years, Graded. If diagnosed within 1 year, DeclineProsperity (New Vista)LevelProsperity (PrimeTerm to 100)PrimeTerm to 100Royal NeighborsLevelSentinelIf treated within 5 years, New Vantage II (Graded)Trinity LifeLevel
***The above carriers in BOLD specialize in Atrial Fibrillation. These are the carriers we would match up first.
Companies That Do Not Ask About AFib In Any Way In The Underwriting
There are some funeral or final expense insurance providers out there, but they never, ever inquire about atrial fibrillation. Yes!
These are the premier A+ rated insurance providers that we work with, and they offer protection plans that can withstand the hazards of atrial fibrillation.
You may simply receive a streamlined last expense insurance plan at the lowest price with instant insurance coverage starting on day 1 thanks to these top-tier insurance firms and our assistance.
We’ll evaluate them all for you and narrow the field to the options that will provide you with the finest all-around coverage while you have AFib.
Remember: Even the top-tier AFIB life insurance companies that we represent will have additional health concerns that they take issue with, so if you also have other medical conditions, including depression, we need to know about them.
We only require a small amount of your time for your details.
Prescribed Medication History
Other insurance companies that red flag AFib will watch out for these medications.
If you take one or more of the following medications, carriers will consider you as someone who has AFib.
- Amiodarone
- Digitek
- Digoxin
- Lanoxicaps
- Lanoxin
Insurance companies can find major health conditions that may not have been disclosed accurately or completely in the underwriting health questions by analysing the medication history.
It’s important to keep in mind that insurance providers will consider your general health status, including any health issues like Cystic Fibrosis or being overweight.
Your options for plans will change if you have additional major medical issues in addition to AFib, which even top-tier insurance providers are rigorous about.
What Are The Benefits Of Burial Insurance With Atrial Fibrillation
Financial Protection:
Upon the death of the insured person or their dependents (if they are not the insured person’s spouse), burial insurance, a type of life insurance, pays out a lump payment. Typically, the beneficiary or the person they named as the beneficiary during the policy purchase receives the benefit in cash.
Cash Surrender Value:
It gives you a lump sum payout when you die, which can be used for any purpose.
No Medical Expenses:
In many circumstances, burial insurance does not cover your medical costs associated with your funeral. It implies that your beneficiaries will use the cash surrender value of your burial policy to cover any substantial medical bills you may have after passing away, such as those related to cancer treatment or other catastrophic illnesses.
Flexible Payment Options:
You have the option to specify how much of your estate will be transferred directly to the people you name in your will or living trust and how much will be paid to you after your death. Additionally, you can decide whether or not there is a pre-existing condition exclusion in place to protect those who have been given a heart disease diagnosis.
How To Find The Best Burial Or Final Expense Insurance For Clients With Atrial Fibrillation?
How do I obtain the greatest funeral insurance? You’ve already discovered us! And we have no doubts about our ability to assist someone with AFib like you in obtaining the greatest coverage option currently available.
Over 95% of the individuals who contacted us with AFib were helped, and they expressed satisfaction with the calibre of the policies we were able to obtain for them.
Our team at BestBurialPolicy.com is made up of seasoned final expense insurance specialists with a wealth of knowledge who are passionate about locating the greatest possible burial insurance policy regardless of their illnesses or health issues.
Our founder is certified in 49 states and has over 26 years of expertise aiding clients. We exclusively work with top-rated A+ insurance providers who provide competitively priced, outstanding final expense insurance products.
What we only insurance needs from you is a little bit of your time to know your details.
We have a masterful knowledge of the underwriting process and best life insurance rates of the country’s best insurance companies, so with your details, we can absolutely tell you which company offers the lowest rates!
Talk to us now! We promise you a simple no non-sense interview process with no pressure.
Conclusion
You can relax knowing that your loved ones will have the money they require to pay for funeral expenses if you have burial life insurance. We have a great range of burial life insurance policies available if you or someone close to you has atrial fibrillation and is searching for some piece of mind in case something goes wrong. Contact our staff right now to learn more about this plan’s operation or to receive life insurance coverage. Request a price today!