Can I Get Life Insurance With an Irregular Heartbeat?

Can I Get Life Insurance With an Irregular Heartbeat
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When you have an irregular heartbeat or other health conditions, qualifying for a life insurance policy can be extremely challenging depending on the specifics of your health history…even from the top 10 life insurance companies. When you’re diagnosed with an an irregular heartbeat, you’ll face unique challenges when trying to secure a policy.

The good news is that when you apply for life insurance the right way, you’ll significantly increase your chances for an approval.

Why? There are certain life insurance companies that are tailor made for certain health conditions and risks. Today, we’re going to show you the steps it takes to get life insurance with an irregular heartbeat. We’ll also go over what the life insurance companies are looking at before they approve you.

How to Get Life Insurance with an Irregular Heartbeat

work with an independent life insurance agent


If you have an irregular heartbeat, use an independent life insurance agent that has access to multiple companies.

contact a life insurance agent


Everyone with an irregular heartbeat is different. Your agent will listen to your unique medical condition and your  goals for coverage. They’ll also ask you the questions that a life insurance company underwriters will want to know.

life insurance agent will shop your case


Your agent is like your personal shopper. They will find you the best life insurance company for people with an irregular heartbeat.

choose your life insurance policy


Once the best company has been found, choose the policy that meets your specific needs and budget.

apply for life insurance


Your agent will help you apply quickly and easily online or over the phone.

life insurance underwriting


After submitting the application and the underwriting process is completed you will know if you’ve been approved.

buy life insurance


Once your application is approved you may purchase your life insurance policy and put it in force.

Can I Get Life Insurance With an Irregular Heartbeat?

How to Get Life Insurance With an Irregular HeartbeatOne of the most common heart related questions we receive is, Can I Get Life Insurance With an Irregular Heartbeat?

If you’ve been diagnosed with arrhythmia or other form of irregular heartbeat, you may be wondering if you can get life insurance coverage.

The short answer is yes, you can.

Over 2 million Americans living today have been diagnosed with an irregular heartbeat, and the truth is that most people with this medical condition do qualify for term life insurance.

Click here to learn about the top life insurance companies.

We work with over 60 different insurance providers, and we are prepared to help you get the best rates possible for your preexisting condition.

To do this, however, we will need you to be prepared to work with us and be honest and detailed about your health situation.

Keep reading to learn more about what to expect, but know that you can start looking at quotes at any time using the quote form right on this page.

Questions You Should Be Prepared to Answer

Again, honesty is key.

life insurance with health conditionInsurance companies will want as much information as possible, and so we will be asking you a series of questions about your irregular heartbeat.

We’ve compiled 8 Top Tips in the form of questions.

These 8 questions and answers will be key in finding the best companies available to you at the lowest rates possible:

1. What was the date of your original diagnosis?
2. What was the diagnosis?
3. What kind of treatment, if any, have you undergone since then?
4. Are you currently on any medications for your irregular heart beat? If yes, what are the details (type of medication, quantity, frequency, etc.)?
5. How frequently do you see your doctor?
6. What is your lifestyle like (do you exercise regularly, eat healthy, etc.)?
7. Have you been diagnosed with any additional health conditions (high blood pressure, diabetes, high cholesterol, heart attack) etc..?
8. What kind of tests have you had and what were the dates of your most recent ones (tests include electrocardiogram, echocardiogram, CT scan, etc.)?

How an Irregular Heartbeat Affects Insurance Rates

term life insurance ratesThe degree to which your condition affects your life insurance rates…

…all depends on its severity.

For example, premature contractions are one of the most common types of irregular heartbeat conditions, and they are generally benign and not of much concern to insurance companies, especially if the applicant is in otherwise good health.

In these cases, the applicant is usually offered standard insurance rates, and for some, preferred rates are even achievable.

On the other hand, a person with, say, atrial fibrillation will face more difficulties.

In these cases, insurance companies will be looking not only at the condition itself, but also the level of control the applicant and their doctor have over it.

People with a high level of control (meaning no adverse effects like heart disease or heart attack in addition to good overall health) will be eligible for standard rates.

If the condition is more chronic and the applicant has less control over it, more expensive rates are likely.

In cases of permanent AF, life insurance companies will likely decline coverage due to lack of control. The same rules apply for many other types of irregular heartbeat.

Unfortunately, if the root cause of your irregular heartbeat condition is heart disease, there is a good chance you will pay the most expensive rates, and you could very well be declined for a traditional policy, and will need to consider a high risk policy.

Best Life Insurance Company for Irregular Heartbeat?

Life insurance companies cater to specific “niches” in order to be the top carrier in specific markets. So certain life insurance companies may be better for certain conditions. In other words, there is no best company for Celiac Disease, OsteoporosisAngioplasty….or Irregular Heartbeat. It ultimately comes down to your specific health & lifestyle — and matching it with the company who will offer you the best rate.

We are here to work for you. We’ll shop from the best term life insurance companies and find the lowest rates possible for you and your condition.

To get started, please give us a call today or simply fill in our quote form on this website. We look forward to getting in touch.

Michael Quinn

Michael Quinn

Michael is a licensed life insurance agent, expert & owner of Life Insurance Blog. LIB has helped thousands of shoppers understand life insurance and secure affordable coverage.
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Michael Quinn
Founder – Life Insurance Blog

We’ve all been there — You’re just not ready to talk to an agent right now.

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