Life Insurance with Atrial Fibrillation
We have created the information below and the enquiry questions for those who have suffered from Atrial Fibrillation (Flutter).
Having Atrial Fibrillation does not mean mainstream insurers will not cover you or that they will charge significantly more if your condition is mild and you have no other complications or conditions.
The cost and availability of cover will depend on:-
- frequency of attacks
- test results such as ECHO and on your thyroid hormones
- associated conditions such as chest pain, dyspnoea or syncope
- other conditions as below such as high BMI or chest pain
- any underlying conditions such as angina or cardiomyopathy.
- any related or recent hospitilisations
Underwriters will also take into account your age, heart rate, symptoms and any medication you are taking.
Pulse specialise in finding cover for those who have been declined whether they have Atrial Fibrillation or have other conditions or complications.
Cover is not always available, but we like to think if it is, we will find it for you.
Beyond Your Atrial Fibrillation
Sometimes there are no associated conditions or complications, however if you have any of the following you may wish to review the details for these conditions as well.
If you have more than Atrial Fibrillation, you can provide additional details about these when making your enquiry.
- excessive alcohol consumption or Alcoholism
- Coronary Angioplasty
- Diabetes Type 1
- Diabetes Type 2
- Heart Attack
- High Blood Pressure (hypertension)
- High Cholesterol
- Obesity (review our details if your BMI is above 35)
- Thrombosis (DVT)
OR if a cause / condition is not listed, you may of course provide details when making an enquiry.
Make a Life Insurance Enquiry
If you need a specialist underwriter.
If you have not been able to get a suitable quotation for Life cover from mainstream insurers, we may be able to help. Pulse can take your Atrial Fibrillation and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.
We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.
It will be easier to find cover if your condition has become stable. It is almost inevitable that we will require a Medical Report before cover can be issued. We will discuss this with you when you enquire.
Your application with Pulse Insurance will always be individually considered by our underwriters based on the specifics of the details you provide.
If you are at all unsure how to proceed, please to not hesitate to give our friendly Pulse Team a call on 01280 841430.
Why Pulse Insurance?
- Pulse Insurance have been focused on finding unusual cover since 1998
- We strive to offer a caring and sensitive service
- We are knowledgeable insurance professionals who work as a team
- We provide a personal service to guide you through
- If we cannot help, it will not be for the want of trying or know-how
While finding cover for everyone is not always possible and the premium will be higher to reflect your increased risk, we like to think we are good at helping people find the cover they need.
In most cases of Atrial Fibrillation, we can offer indicative premiums and/or a sense of whether cover may be available or not early on; so you can decide how to proceed.
It is always important to declare your Atrial Fibrillation and any other medical conditions completely.
Your Personal & Medical Details
Everything you disclose about your Heart and your Atrial Fibrillation and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.
Your Pulse underwriting specialist will look to gain a detailed picture of your health and you should take care to disclose everything. These factors will be explicitly considered when determining the fair premium, you would pay.
Life cover is issued based on a “snapshot” of your health. Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens.
Requirements for more information
If our initial enquiry does gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Atrial Fibrillation and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.
As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.
Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.
If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication. Please send these either to [email protected] or post them to us n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application. If you have any queries, please give a member of the team a call on 01280 841430.
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
- Beyond Life Insurance
- More Life Insurance
- Inheritance tax (Gift inter vivos) – IHT & Trusts
- Company Director & Employees
- Relevant Life
- Group Life
The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.