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 balance affordability, tailored coverage, and favorable underwriting for people with AFib. Northwestern Mutual stands out as the top choice of overall companies; it offers the best combination of competitive rates, robust policy options, and financial stability.

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

This article reviews the top 10 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 above in our free tool to get started.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

#1 – Northwestern Mutual: Top Overall Pick

Pros

• Expert in Heart Conditions: Specializes in heart-related coverage, making it ideal for individuals with AFib.
• Affordable Minimum Coverage: Starts coverage at competitive rates, as low as $38. For more details, read the “Northwestern Mutual Life Insurance Review.”
• Top Financial Stability: Holds an A++ rating, ensuring reliability and long-term trust.

Cons

• Smaller Bundling Discount: It offers a bundling discount of 10%, which is lower than many competitors.
• Higher full coverage rates: They start at $112 for full coverage, which can be expensive.

#2 – John Hancock: Best for Wellness Programs

Pros

• Vitality Program: They reward healthy habits with premium discounts.
• Reasonable Pricing: Minimum coverage starts at $43. Explore this guide, “John Hancock Life Insurance Review,” for more insights.
• Solid Reputation: They rated A+; it is considered financially reliable.

Cons

• Moderate Bundling Savings: They offer 12% bundling, lower than some competitors.
• Higher Full Coverage Costs: Full coverage at $118 is on the pricier side.

#3 – State Farm: Best for Personalized Service

Pros

• Personalized Service: They are known for tailored solutions for AFib patients.
• Strong Bundling Discount: It offers 17% discount for multi-policy customers.
• Affordable Minimum Coverage: It starts at only $41. Find out more in this comprehensive guide, “State Farm Life Insurance Review.”

Cons

• Lower Financial Rating: A B rating may be a concern.
• Higher Full Coverage Rates: Starts at $109, higher than some alternatives.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

#4 – MassMutual: Best for Financial Planning

Pros

• Comprehensive Financial Planning: Offers more than just life insurance, ideal for AFib patients. Consult this guide, “Protective Life Insurance Review,” for additional information.
• Affordable Minimum Coverage: Starting at $39.
• Top Financial Rating: A++ for long-term stability.

Cons

• Low Bundling Discount: Only 8% compared to competitors.
• Higher full coverage costs: full coverage at $105 can be expensive.

#5 – Prudential: Best for Flexible Underwriting

Pros

• Flexible Underwriting: Great for people with AFib needing tailored coverage.
• Affordable Entry-Level Pricing: Minimum coverage starts at $45.
• Solid Financial Rating: An A+ rating ensures stability. Delve into this guide, “Prudential Life Insurance Review,” for more details.

Cons

• Moderate Bundling Discount: 10% bundling is lower than some competitors.
• Higher Full Coverage Rates: Full coverage at $120 is on the higher side.

#6 – AIG: Best for Competitive Rates

Pros

• Affordable Full Coverage: Full coverage is available starting at $115.
• Broad coverage options: suitable for a variety of health conditions.
• Strong Financial Backing: Rated A, financially stable. See the full details in this guide, “AIG Life Insurance Review.”

Cons

• Low Bundling Discount: Offers only 7% bundling.
• Higher Minimum Coverage Costs: Starts at $42, higher than some.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

#7 – Guardian Life: Best for Customizable Policies

Pros

• Highly customizable policies: great for those needing personalized plans. Explore the details in this guide, “10 Best Life Insurance Companies.”
• Competitive Minimum Coverage: Starting at $44.
• Top Financial Stability: Rated A++.

Cons

• Low Bundling Discount: Only 10% bundling is available.
• High Full Coverage Rates: Full coverage starts at $122, relatively expensive.

#8 – AARP: Best for Affordable Coverage

Pros

• Most Affordable Rates: Minimum coverage starts at $36, very budget-friendly.
• Strong Financial Rating: Rated A++, ensuring reliability. Read this guide, “AARP Life Insurance Company Review,” for further knowledge.
• Tailored for Seniors: Ideal for older adults with AFib.

Cons

• Low Bundling Discount: 5% is one of the lowest.
• Limited Customization Options: Fewer options compared to others.

#9 – Transamerica: Best for Financial Backing

Pros

• Solid Financial Backing: Rated A+, offering long-term stability.
• Affordable Minimum Coverage: Starting at $40. Discover additional information in this guide, “Transamerica Life Insurance Company Review.”
• Good Full Coverage Options: Full coverage starts at $110.

Cons

• Low Bundling Discount: Offers only 8% savings.
• Higher Full Coverage Rates: Starts at $110, on the high side.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

#10 – Lincoln Financial: Best for Term Policies

Pros

• Specializes in Term Policies: A great choice for those seeking straightforward and affordable term life coverage. For details, view this guide, “Royal Neighbors Final Expense.”
• Reasonable Minimum Coverage: Policies start at $46, making coverage accessible.
• Financial Stability: An “A” rating ensures dependable financial support.

Cons

• Moderate Bundling Discount: A 9% bundling discount may not be the most competitive option.
• High Full Coverage Rates: Rates for full coverage begin at $125, which is on the higher side.

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.

This guide identifies the top insurers for AFib and explains what sets them apart. Life insurance for individuals with AFib is achievable with the right provider. Discover more details in this guide, “Types of Life Insurance: Find the Right Policy for Your Needs.”

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 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 identify the most affordable coverage options tailored to individual needs.

Life Insurance After AFib

Every health ailment calls for different questions by the insurance’s underwriter. The reason is simple: 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.

In general, you can expect a better rate if you manage your AFib by following your doctor’s orders, taking the medications, and having no significant complications.

Types of AFib

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.

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

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.

Caused of AFib

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.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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 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.

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.

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

Case Studies: Real-Life Experiences with Life Insurance for 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 below into our free comparison tool today.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption