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Life Insurance With AFib

Yes, it's possible! Most companies will charge higher prices if you have atrial fibrillation. Some may require waiting periods, but the best life insurance companies for AFib will cover you from day one, with no extra charges.

Common Questions

Does having AFib increase life insurance premiums?

This will depend on the company. Some companies will charge more, reduce benefits, or expect you to go through a waiting period. The medications you are taking may be a deciding factor, and the date of your diagnosis may also come into play.

Will a diagnosis of AFib cause my existing life insurance premiums to increase?

Yes, and no. If you have existing term life insurance, final expense, or burial insurance, it will depend on your contract. Contact us for a free plan review.

Life Insurance With AFib

More About Atrial Fibrillation (AFib)

AF is a heart disease marked by irregular and rapid heartbeats. The Sinoatrial node sets the heart's pumping pace. For AF cases, the upper atria impulses are fast and confused. AF causes the atria to beat 300 to 600 times. This rate is multiple times faster than the standard rate. The action puts pressure on the heart muscles. The pressure is more on muscles that regulate signals between the heart chambers. The pressure is an attempt of impulses trying to penetrate the ventricles. AFib is a global issue. People of European origin are more susceptible to AFib. More women than men receive diagnoses with AFib. Women are prone because they have a longer life expectancy than men.

During regular heart activity, the sinus emits a signal. The transition cells then send impulses to the atrium. The impulses then enter the electrical conduction system. Impulses in the electrical system make the heart contract. Contraction pumps blood to the rest of the body. AV node regulates the atrium and ventricles' signals. Regulating the ventricles maintains a regular heart rate. An average heart rate is between 60 and 100 beats per minute. Heart rate varies with age, gender, and personal oxygen need. Two effects regulate heart rate. They include parasympathetic and sympathetic results. Parasympathetic effects slow down the action potential. The impact of slowing the potential cause a low heart rate when resting. Sympathetic effects increase the heart rate. A high heart rate is necessary when one has a high oxygen demand. Failure of the sinus node results in abnormal heartbeats. The failures of the sinus include:

  • Unusual impulses of the Sinus node cells
  • Changes in the transmission cells.

Categories of AFib

Depending on the time it exists, AFib has three categories:



Long-term persistent

A-fib Can be valvular or non-valvular.

Paroxysmal Atrial fibrillation

It is an irregular heart rhythm that begins and ends within seven days. This disorder clears without treatment and has no apparent symptoms. Doctors may prescribe drugs that hinder clotting to prevent a stroke.These drugs apply to notable cases. Episodes occur at irregular intervals.

Persistent atrial fibrillation

This disease shows an irregular heart rhythm that lasts for more than a week. Persistent AFib can disappear without treatment. Medications for this disease slow both heart rate and prevent clotting. Other therapies include:

  • Electric shocks
  • Destruction of heart tissue that causes an abnormal rhythm.

Long-term persistent atrial fibrillation

It is AFib that is difficult to restore normal heart rhythm. The medication includes those that control heart rate and prevent blood clots.

Non-valvular atrial fibrillation

It is a disorder that does not relate to a heart valve problem.

Atrial fibrillation

It is a disorder caused by a heart valve problem.

Causes of Atrial Fibrillation

AFib occurs in people whose heart tissue has been damaged. AFib can occur in people who do not have heart damage. In such a scenario, the condition is a lone AFib. Lone AFib does not cause life-threatening situations. Significant causes of AFib are:

  • Malfunction of the sinus node
  • Previous heart operations
  • Congenital heart defects
  • Abnormal heart valves
  • Coronary heart disease
  • Heart attack
  • Hypertension
  • Heart trouble
  • Sleep apnea. This disorder is due to repeated starting and stopping of breathing.
  • Heart trouble

Some unusual causes include:

  • Metabolic imbalance or overactive thyroid
  • Inflammation of the heart walls.
  • Viral infections

Risk factors for atrial fibrillation


It disturbs the sinus node. This effect disrupts the circuit that maintains a normal heartbeat. Disrupting electrical circuits causes irregular and rapid heartbeats. Long-term alcohol consumption destroys the heart tissue.


Uncontrolled hypertension overloads the heart and makes the muscles thicker. Thick heart muscles make it difficult to send electrical signals. High blood pressure weakens the artery walls, making it difficult to pump blood.


The heart's systolic and diastolic functions change with an increase in age. The disturbances increase the risk of arrhythmias.

Heart diseases

Heart disease destroys heart tissue. Heart diseases make it difficult for the heart to restore its function.

Chronic diseases

Most chronic diseases interfere with heart activity. Chronic conditions either increase or decrease heart activity. Active thyroid increases body activity, while lung diseases cause ventricular problems and high blood pressure. Changes in the heart occur due to sleep apnea. Sleep apnea causes the onset and stoppage of breathing. Restarting breathing alters the regular heartbeat.

Family history of AFib

Members of families with a history of AFib are at higher risk. These people are at more risk because it is genetic.

Obesity, diabetes, and metabolic disorders

These disorders cause high blood pressure. High blood pressure affects blood flow. Abnormal pumping of the heart increases the risk of AFib.

Heart Surgery

AFib is more common in 2 or 3 in 10 people who have undergone heart surgery.

Women are more prone to AFib than men. Women who live longer than men are at higher risk due to the age factor.

Symptoms of Atrial Fibrillation

Palpitations. They are the result of the fast, confused beating of the atria.

Fatigue, because the heart does not pump blood well. Improper pumping results in insufficient oxygen in the body.

Shortness of breath is due to a lack of oxygen. Oxygen-rich blood accumulates in the lungs' veins to supply the lungs with oxygen. Backup can fill the lungs, causing exhaustion and shortness of breath.

Energy deficiency. When the activities of the atria fail to coordinate, they alter blood flow. In some tissues, oxygen is lacking, which makes people feel weak

Breast pain. Tightness occurs due to reduced blood circulation to the heart muscle.

Chronic results of AFib

It supports the blood in the auricles, which form clots due to the delayed flow. Lumps in the brain block blood flow, causing a stroke.

Heart failure. Permanent AFib weakens the heart muscles causing heart failure.

Treatment of AFib

Treatment of AFib aims at restoring a standard heart rate. It involves the use of medication, lifestyle adjustments, and procedures.


There are several medications used to treat AFib, including:

Drugs that control the heart rhythm. These medications try to maintain a normal rhythm. They are effective but lose their effect over time.

Drugs that control heart rate. These are medications that slow the fast heart rate. They do so by preventing the ventricles from beating fast.

Drugs that prevent clotting. They reduce the risk of stroke.

Lifestyle changes.

Adopting a healthy lifestyle reduces episodes of arrhythmias. Health style changes include:

  • Quit smoking
  • Avoidance of coffee and caffeinated drinks
  • Exercises to reduce overweight
  • Avoiding foods that can lead to high blood sugar
  • Treatment sought for sleep apnea.
  • Remedy sought in cases of high blood pressure.
  • Avoid or quitting alcohol.
  • Abandoning stimulants


At times drugs used to treat AFib fail and create a need for procedures. The procedures include:

  • Electrical heart rate conversion,
  • Ablation of pulmonary veins,
  • Permanent pacemakers,
  • Closure of the left atrium appendix,
  • Surgical treatment.

Electrical heart rate conversion

This procedure applies an electric shock to the chest wall. Electric shocks regulate the heartbeat and restore the normal rhythm.

Ablation of pulmonary veins

This therapy uses high frequency to remove clots. It clears clots outside and around the pulmonary veins.

Ablation to the AV node

AV ablation prevents electrical signals from entering the ventricles. This procedure helps to regulate the heart rate. A pacemaker replaces the AV node to maintain the heart rate. Medications that prevent clotting go with this procedure to reduce stroke risk.

NB: Ablation of AV nodes is not a standard procedure.

Left appendix occlusion

The left atrium's appendix is in the muscle wall of the left atrium. The slow flow of blood makes clots in the appendix of the left atrium. Closing the appendix reduces clot formation in the left atrium.

Permanent pacemakers

Pacemakers are electronics designed to maintain a standard heart rate. Pacemakers apply to patients with a slow heart rate.

Surgical treatment

Surgery applies when other medical procedures fail. Conditions that need surgery include:

  • Enlarged left atrium
  • Blood clots in the left atrium
  • Unsuccessful catheter ablation
  • A patient at risk of stroke due to blood clots.
  • Any other heart disease that requires surgery

Prevention of AFib

AFib is avoidable through a healthy lifestyle to prevent heart disease.

Healthy lifestyles include:

  • Healthy nutrition for the heart
  • More physical activity
  • Stress reduction
  • Avoiding over-the-counter drugs with stimulants
  • Maintaining a healthy weight.

Burial Insurance With AFib

Funeral insurance with atrial fibrillation doesn't need to be complicated. Let's discuss your options to cover final expenses.

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