Best Life Insurance for People With AFib in 2024 (Top 10 Companies Ranked)

Explore the best life insurance for people with atrial fibrillation from Northwestern Mutual, John Hancock, and State Farm, with plans starting at $36 per month. Review this guide, “What does life insurance cover?” to learn more.

These providers rank highest for their ability to address heart conditions, wellness programs, and personalized service for people with AFib.

Our Top 10 Company Picks: Best Life Insurance for People With Atrial Fibrillation

Northwestern Mutual stands out as the top choice of overall companies, which offers the best combination of competitive rates, robust policy options, and financial stability.

This article reviews the top companies that offer personalized solutions for finding health insurance coverage aligned with individual health and financial needs. If you want to explore your life insurance options, enter your ZIP code in our free tool to get started.

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#1 – Northwestern Mutual: Top Overall Pick

Pros

• Expert in Heart Conditions: Specializes in coverage for heart issues, making it a great choice for people with atrial fibrillation.
• Affordable Starting Rates: Plans start at just $38/month, ideal for people with atrial fibrillation. For more details, read the “Northwestern Mutual Life Insurance Review.”
• Strong Financial Stability: With an A++ rating, it’s a reliable option for atrial fibrillation coverage.

Cons

• Lower Bundling Discount: Only offers a 10% discount for bundling, which is less than some competitors.
• Higher Full Coverage Costs: Full coverage starts at $112/month, which might be expensive for people with atrial fibrillation.

#2 – John Hancock: Best for Wellness Programs

Pros

• Rewards for Healthy Living: Offers discounts for healthy habits, which is great for people with atrial fibrillation.
• Reasonable Starting Rates: Plans start at $43/month, making it affordable for atrial fibrillation patients. Explore this guide, “John Hancock Life Insurance Review,” for more insights.
• Good Financial Strength: Rated A+, providing reliable options for people with atrial fibrillation.

Cons

• Moderate Bundling Discount: Offers 12% savings for bundling, which is lower than some companies.
• High Full Coverage Costs: Full coverage starts at $118/month, which may be pricey for atrial fibrillation coverage.

#3 – State Farm: Best for Personalized Service

Pros

• Tailored Support: Known for providing personalized help to people with atrial fibrillation.
• Good Bundling Discount: Offers a 17% discount for bundling policies.
• Affordable Entry-Level Rates: Starting at $41/month, it’s a budget-friendly option for atrial fibrillation. Find out more our guide, “State Farm Life Insurance Review.”

Cons

• Lower Financial Rating: With a B rating, it might not feel as secure for atrial fibrillation coverage.
• Higher Full Coverage Costs: Full coverage starts at $109/month, which is higher than some alternatives.

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#4 – MassMutual: Best for Financial Planning

Pros

• Financial Planning Support: Goes beyond life insurance, making it a good choice for people with atrial fibrillation.
• Affordable Starting Rates: Policies begin at $39/month, fitting for atrial fibrillation patients. Browse our guide, “Protective Life Insurance Review.”
• Top Financial Stability: A++ rating makes it a dependable option for atrial fibrillation.

Cons

• Low Bundling Discount: Offers only an 8% bundling discount, which is lower than others.
• Expensive Full Coverage: Full coverage starts at $105/month, which could be costly for atrial fibrillation.

#5 – Prudential: Best for Flexible Underwriting

Pros

• Flexible Coverage Options: Great for people with atrial fibrillation who need customized policies.
• Affordable Starting Price: Minimum coverage starts at $45/month, making it a good choice for atrial fibrillation.
• Good Financial Strength: A+ rating ensures financial reliability for atrial fibrillation coverage.

Cons

• Moderate Bundling Discount: Offers a 10% bundling discount, which isn’t the highest. Delve into this guide, “Prudential Life Insurance Review.”
• Higher Full Coverage Rates: Full coverage starts at $120/month, which is on the higher side for atrial fibrillation.

#6 – AIG: Best for Competitive Rates

Pros

• Affordable Full Coverage: Full coverage starts at $115/month, suitable for people with atrial fibrillation.
• Wide Range of Policies: Offers options for many health conditions, including atrial fibrillation.
• Stable Financial Rating: Rated A, making it a solid choice for atrial fibrillation coverage. See the full details in this guide, “AIG Life Insurance Review.”

Cons

• Small Bundling Discount: Offers just 7% savings for bundling, which is low for atrial fibrillation patients.
• Higher Starting Price: Minimum coverage starts at $42/month, which is more than some competitors.

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#7 – Guardian Life: Best for Customizable Policies

Pros

• Customizable Plans: Great for people with atrial fibrillation who need flexible options.
• Competitive Starting Rates: Minimum coverage starts at $44/month. Explore the details in this guide, “Best Life Insurance Companies.”
• Strong Financial Stability: With an A++ rating, it’s a secure choice for atrial fibrillation.

Cons

• Low Bundling Discount: Offers only a 10% discount for bundling, which is not very competitive.
• Expensive Full Coverage: Full coverage starts at $122/month, which is costly for atrial fibrillation.

#8 – AARP: Best for Affordable Coverage

Pros

• Lowest Starting Rates: Minimum coverage starts at just $36/month, ideal for people with atrial fibrillation.
• Strong Financial Rating: Rated A++, making it a trusted option for atrial fibrillation patients.
• Great for Seniors: Especially tailored for older adults with atrial fibrillation. Read our guide, “AARP Life Insurance Company Review.”

Cons

• Small Bundling Discount: Offers only a 5% bundling discount, which is among the lowest.
• Fewer Options: Has fewer customization choices compared to other companies for atrial fibrillation.

#9 – Transamerica: Best for Financial Backing

Pros

• Stable Financial Backing: Rated A+, providing security for people with atrial fibrillation.
• Affordable Entry-Level Rates: Minimum coverage starts at $40/month, suitable for atrial fibrillation.
• Good Full Coverage: Full coverage starts at $110/month. Discover additional insight in our guide, “Transamerica Life Insurance Company Review.”

Cons

• Small Bundling Discount: Offers an 8% discount, which is less than competitors.
• Higher Full Coverage Costs: Starts at $110/month, which can be high for atrial fibrillation patients.

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#10 – Lincoln Financial: Best for Term Policies

Pros

• Best for Term Policies: Straightforward and affordable term coverage for atrial fibrillation.
• Reasonable Starting Price: Policies start at $46/month, accessible for atrial fibrillation patients.
• Solid Financial Stability: Rated A, providing reliable coverage for atrial fibrillation. Browse our guide, “Royal Neighbors Final Expense.”

Cons

• Moderate Bundling Discount: Offers a 9% bundling discount, which is average for atrial fibrillation coverage.
• High Full Coverage Rates: Full coverage starts at $125/month, which can be costly for atrial fibrillation patients.

Best Life Insurance Companies for AFib

Securing life insurance with atrial fibrillation (AFib) requires finding providers that offer fair underwriting for this condition. The best companies for AFib provide competitive rates, comprehensive coverage, and policies designed to meet the needs of individuals with heart irregularities.

Life insurance for individuals with AFib can be achieved with the right provider. Discover more details in this guide, “Types of Life Insurance: Find the Right Policy for Your Needs.” This guide identifies the best insurers for AFib and explains their uniqueness.

People With Atrial Fibrillation Life Insurance Monthly Rates by Provider & Coverage Level

By selecting an insurer that specializes in underwriting for pre-existing conditions, you can obtain reliable coverage at reasonable rates. The companies featured here offer tailored solutions to ensure financial protection for you and your family.

Life Insurance Discounts From the Top Providers for People With Atrial Fibrillation

The discount table for the life insurance with AFib provides a comparison of premiums based on factors such as age, policy type, and the severity of the condition. It helps to identify the most affordable coverage options for people with AFib.

Life Insurance After AFib

Every health ailment calls for different questions by the insurance’s underwriter. The reason behind this is simple, which is getting to know more about your condition and the type of medications you take gives the underwriter a complete picture of your life insurance risk class.

Getting life insurance for atrial fibrillation (AFib) is possible, but it often comes with specific considerations. Many wonder, “Can I get life insurance with atrial fibrillation?“ or “Does AFib affect life insurance?“ The answer depends on factors like your overall health, the severity of your condition, and whether your AFib is paroxysmal.

Types of Atrial Bibrillation

Underwriters assess the risk based on the type of AFib, as each carries different health implications.

• Occasional AFib (paroxysmal): The characterized by brief episodes, typically not requiring medication. With 10 or fewer episodes per year and no underlying conditions, you may qualify for Preferred Plus rates (lowest risk).
• Persistent AFib (chronic): It requires medication or electrical intervention to restore regular heart rhythm. Classified as long-term persistent if it lasts more than 12 months.
• Permanent AFib: A lifelong condition that remains despite treatment and requires ongoing medication.

The type of AFib directly affects insurance eligibility and premium rates. Proper classification allows insurers to evaluate risk and provide suitable coverage options.

Symptoms 

If you have atrial fibrillation, you may have any of the following symptoms: chest pain, dizziness or lightheadedness, shortness of breath, weakness, and fatigue. These symptoms could also be indications that you are having a heart attack or other serious health problems.

It’s Life Insurance Awareness Month! The benefits of life insurance can help anyone at any age prepare for the unexpected. This month is a good time to reflect and celebrate life insurance and its role in helping secure your family’s financial future and peace of mind. pic.twitter.com/ogxj1SSZ58

— Transamerica (@Transamerica) September 3, 2024

An abnormal EKG life insurance report might complicate the process; many providers specialize in policies like term life insurance with AFib or life insurance for someone with a heart condition. These symptoms suggest potentially fatal health problems; your insurance company will probably charge higher rates if you experience them regularly.

Test Needed to Complete

Doctors use several tests to help diagnose your atrial fibrillation and decide on the best treatment plan. These tests give your doctor a more complete picture of what is going on with your symptoms.

Diagnostic Tests for Atrial Fibrillation

Underwriters won’t receive your test results, but they’ll know which tests were done and their implications for your health and risk. If tests show an underlying condition or poor prognosis, your rate will increase.

Medications

As you know, there are three types of medication your doctor may prescribe for AFib.

• Blood thinners prevent blood clots and reduce stroke risk in AFib but increase bleeding risk.
• Beta-blockers slow heart rate and lower blood pressure but may cause dizziness and fatigue.
• Calcium channel blockers relax blood vessels to slow heart rate but may cause heartburn, swelling, and interact with grapefruit.

Underwriters assess risk by reviewing your medications. Those not on medication are typically considered lower risk, as medication suggests a more serious heart condition.

Insurers may ask, “Is AFib considered heart disease for life insurance?“ or “Is paroxysmal AFib considered heart disease for life insurance?“ The truth is, AFib is often classified as a heart condition, but you can still find life insurance for someone with a heart condition or life insurance for heart patients.

Causes of Atrial Fibrillation

The most common cause of atrial fibrillation is damage to the heart structure or abnormalities in the heart itself, such as problems with heart valves. These causes can lead to serious health issues, such as heart attacks and strokes.

If AFib is caused by these factors, your insurer may raise rates or decline coverage. AFib can also result from high blood pressure, heart attack, coronary artery disease, overactive thyroid, or stimulants like caffeine or alcohol.

If you’re wondering, “Can you get life insurance if you have AFib?“ or “Can you get life insurance with AFib?“ the answer is yes. The process might be different for someone without a condition, but options like life insurance AFib policies or life insurance and AFib specialists can help.

Even if you’ve faced a denial for unrelated issues, such as denied life insurance for ulcerative colitis, it’s worth exploring tailored policies. Ultimately, navigating the process of obtaining life insurance with an irregular heartbeat life insurance history requires the right guidance and research.

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Life Insurance Underwriting for AFib

The life insurance underwriting for atrial fibrillation (AFib) evaluates age, gender, marital status, and health. Older applicants face higher premiums due to increased mortality risk, while women typically pay less because of their longer life expectancy. Review this guide, “The Life Insurance Underwriting Process,” to learn more.

While some conditions, like Crohn’s disease and table-rating life insurance, require detailed underwriting, others, such as life insurance for someone with heart disease, focus on overall risk. Although some face hurdles, such as being denied life insurance for ulcerative colitis, others successfully find coverage.

While married individuals often receive lower rates due to longevity trends. Insurers assess health through medical exams, prescription records, and family history, with smoking significantly increasing costs, especially for those with AFib. Lastly, those with Crohn’s disease might face unique challenges like Crohn’s disease life insurance underwriting, but perseverance often leads to success.

Risk Factors Impacting Premiums

The occupations and habits heavily influence insurance rates. If you do smoking, substance abuse, and other risky behaviors, it will result in raising costs. And also, applicants with AFib often see increased premiums due to other underlying health conditions. If you’ve been diagnosed with thyroid cancer and wonder, can you get life insurance after being diagnosed with thyroid cancer or struggle with hypertension?

Getting life insurance with high blood pressure is achievable despite life insurance rates high blood pressure. However, keep in mind that the cost of life insurance with a heart condition can vary. In some cases, they ask, Can you be denied life insurance for high blood pressure? This is a concern, but insurers like Prudential life insurance rating classes can accommodate different risks.

Types of Life Insurance

The term life insurance offers affordable, fixed-term coverage with renewal or conversion options. Whole life insurance provides lifelong coverage with cash value growth but at a higher cost. Similarly, life insurance for heart conditions or life insurance with heart conditions can be tailored for those dealing with challenges like irregular heartbeat life insurance or supraventricular tachycardia life insurance.

If you are over 50, no medical exams are needed. Universal life insurance combines permanent coverage with flexible payments and investment growth, allowing adjustments to suit financial needs.

Case Studies: Navigating the Life Insurance Experiences of People with AFib

Securing life insurance with atrial fibrillation can be challenging, but these case studies demonstrate how leading providers offer customized solutions.

• Case Study #1 – Sarah’s Story With Northwestern Mutual: She found out that Northwestern Mutual had some really competitive rates and solid coverage options. She was able to get a whole life insurance policy with a monthly premium of $38.
• Case Study #2 – Mark’s Experience With John Hancock: He was able to get a $250,000 term life insurance policy with John Hancock for only $43 per month. He took advantage of their specialized underwriting, which is particularly helpful for people with AFib.
• Case Study #3 – Emily’s Success With State Farm: She was able to secure a $100,000 term life insurance policy for $41 per month through State Farm. Despite her AFib diagnosis, she found an affordable coverage option suited for her health condition.

These case studies show how companies like Northwestern Mutual, John Hancock, and State Farm offer affordable life insurance choices that are specifically tailored for people with AFib, making sure that they will get the coverage they need. Save time on your life insurance search by entering your ZIP code into our free comparison tool today.

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