It’s very common for consumers to not check the ratings of a life insurance company before they actually purchase their life insurance policy. They don’t even think of comparing the best life insurance companies before they make a buying decision.

If you’re planning on paying for a policy for the next 20 or 30 years, don’t you want to know how strong the ratings are for the life insurance company you’re handing your money to? One would think so. [click to continue…]

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Life Insurance with Atrial FibrillationIf you have atrial fibrillation and want to buy life insurance, your condition will make applying more difficult.

However, you could still qualify for a decent policy, even with this heart condition. It all depends on the severity of your atrial fibrillation as well as your overall health.

If you’ve ever been told that you won’t be able to get affordable life insurance because of your atrial fibrillation, but that isn’t true. Regardless of your health or any pre-existing conditions that you have, there are several ways that you can get affordable life insurance protection.

You can increase your chances of getting a fair rate by planning right and putting together a smart application. To help you get ready, we’ve outlined the underwriting rules for someone with atrial fibrillation.

Life Insurance Underwriting with Atrial Fibrillation

When you apply for life insurance, you agent should ask you several questions about your atrial fibrillation. You will need to answer:

  • When were you diagnosed with atrial fibrillation?
  • Is your atrial fibrillation chronic (permanent) or paroxysmal (intermittent)?
  • What is causing your condition (coronary artery disease, heart valve issue, etc.)?
  • Do you have any other issues with your heart?
  • Do you have other high risk life insurance factors for heart disease like high cholesterol, smoking, or a family history of heart disease?
  • Are you receiving any treatments or taking any medications for your condition?

Common medications include for Atrial Fibrillation include:  Amiodarone, Dronedarone, Propafenone, Digoxin, Beta Blockers, and ACE Inhibitors.   All of these medications for could be insurable depending on the severity of your condition.
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Life Insurance with Diverticulosis

If you have diverticulosis (and want to apply for life insurance, you need to show the insurance companies that your condition is under control. When treated properly, diverticulosis is quite manageable but it can very serious if left untreated. To get the best possible rating, your application should put the insurance underwriters’ minds at ease. […]

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What is Longevity Insurance?

These days, Americans are living longer than ever. While this is generally a good thing, it’s real problem for retirement planning. You’ll need to stretch your savings over a longer period of time which can be very hard to budget. To make matters worse, very few workers have access to pensions or other plans that […]

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Life Insurance After Heart Bypass Surgery

After a major life event like bypass surgery, it’s understandable that you’d be in a hurry to buy life insurance as soon as possible. This is often a mistake. Life insurance companies will see your past surgery and this could prevent you from receiving a policy. To qualify for insurance after a bypass, you need […]

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Life Insurance with COPD (Chronic Obstructive Pulmonary Disease)

If you have Chronic Obstructive Pulmonary Disease, it’s going to be a problem for buying life insurance. Don’t get discouraged though because many people with COPD are still able to get coverage. If you’ve ever been told that you can’t get life insurance because of your COPD, don’t believe it. There are several ways that […]

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Life Insurance for Cancer Patients

Buying life insurance as a cancer patient can be a challenge. Don’t give up though. Life insurance is one of the most important purchases that you’ll ever make, and any pre-existing conditions shouldn’t keep you from getting that. We know that shopping for life insurance coverage as a cancer patient can be frustrating and difficult, but […]

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Life Insurance Options

When it comes to life insurance options, there are many. The are numerous types of life insurance coverage. There are a large number of life insurance providers. The topic of life insurances choices is rather broad. What if you’re just trying to get an overview of some of the forms of life insurance? Well, some […]

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Life Insurance Dividends Explained

Life insurance is important to have for your entire family. When you are insured, you can make sure your family is well protected in the case of an accident that results in your death. Being insured gives the ones you love some financial stability when faced with expenses that are more difficult to manage when […]

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It’s Possible To Get Life Insurance with a High Calcium Score

Doctors often check the calcification levels in your arteries as this helps predict your risk of heart disease. They can use noninvasive tests like the Electron Beam CT (EBCT) and Multislice CT (MSCT) to determine your calcium scores. If you’ve ever had one of these tests, insurance companies will be able to see the results […]

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