Life Insurance Approval with an Irregular Heartbeat

by Jeff Rose on October 24, 2016 · 0 comments

Looking for life insurance is one of the most important and frustrating searches, but it’s one of the most important. For anyone with a health complication, like an irregular heartbeat, finding affordable life insurance coverage can be a painful task, but it doesn’t have to be.  Regardless of your health, you can find affordable insurance coverage.
life insurance irregular heartbeat

 One of the scariest conditions that an individual can deal with is issues to do with the heart.   As an independent life insurance agent, we work with several clients that have high-risk conditions and heart disease is no exception.

We’ve been able to work with clients that have had heart attacks, bypass surgeries, and in this case irregular heartbeat.

 Before you apply for life insurance coverage, it’s important to understand what the insurance companies will be looking at in regards to this condition.

Here’s what you need to know regarding applying for life insurance with me would be.

In working with applicants that are seeking life insurance that have a previous health issue, we can’t stress enough how important it is to be upfront with the underwriter.

Applying for Life Insurance with Irregular Heartbeat

We have many applicants when applying for life insurance omit certain facts hoping that the insurance company won’t find out about it.

Newsflash: The insurance company will find out about it as they will request your medical records and an APS (known as attending physician statement). If you’ve been treated for any type of heart condition in the past, it will certainly come up, so if you are applying for life insurance and have some sort of heart condition, be ready to spill the beans.

At the end of this post, you’ll see a sample questionnaire that the insuring underwriters will want to know regarding your irregular heartbeat.

In short, be prepared to share the date it was diagnosed, any treatment you’ve had since the date of diagnosis, and also what medications you may take.

They will also want to know how the condition affects you on a day to day basis.

  • Has the condition improved since your original diagnosis or has it worsened?
  • Also, what steps are you doing to take care of that condition?
  • Are you exercising?
  • Are you eating right?

The big fear from insurance companies is that not just the lone heart condition, but also how that might transfer over to other areas.

For example, we had an applicant that had an irregular heartbeat but also had high cholesterol, diabetes, and on top of that was a tobacco user. (Here’s more information regarding life insurance for smokers). The irregular heartbeat on its own would have made the life insurance coverage affordable but by having the other conditions on top of the smoking the life insurance premium ended up being fairly pricey but even so we were able to get him coverage.

Irregular Heartbeat Questionnaire:

  1. Date or frequency of episodes of irregular heartbeat.
  • Date of first episode
  • Recent frequency of episode
  • Date of the most recent episode.
  1. The irregular heartbeat has been diagnosed as-
    1. Paroxysmal Atrial Fibrillation (or flutter)
    2. Premature supra ventricular (atrial) contractions (TPACs)
    3. Chronic atrial fibrillation (or flutter)
    4. Premature ventricular contractions (PVCs)
    5. Other
  1. Provide dates of any of the following tests or procedures that have been done to evaluate the irregular heartbeat-
  • Resting EKG
  • Stress EKG
  • Thallium Stress EKG
  • Echocardiogram
  • Holter Monitor
  • Chest X-Ray
  • Other
  1. Please check the cause for the irregular heartbeat, if known-
  •  Unknown
  • Heart disease —- type:
  • Thyroid disease
  • Alcohol use
  • Other
  1. Are there any symptoms that accompany episodes of irregular heartbeat?  If yes, check all that apply-
  1. Dizziness or lightheadedness
  2. Blackouts
  3. Chest pain
  4. Palpitations
  5. Other
  1. Do you currently take any medications, yes or no?
  1. If so, please name details.
  2. Name of medication, dates used, quantity taken, frequency taken.
  1. Has a pacemaker been installed to control irregular heartbeat?  If yes, date of installation

As you can see, there are a lot of different factors that the life insurance company is going to want to know when looking at your application. All of these factors are going to play a huge role in the decision to either accept or decline you for coverage. They are also going to be used to calculate your monthly premiums. As we mentioned earlier, the insurance company isn’t only concerned with your irregular heartbeat, but your overall health as well.

Regular exercise and diet can work wonders on your health, but it can also save you money on your monthly rates. This will help you lose some of the extra weight that you’ve been packing on for years. Losing weight will not only help you feel better, but will decrease your risk of health problems later in life. Both diet and exercise are going to lower your weight, lower your cholesterol, and lower your blood pressure.

Additionally, if you have an irregular heartbeat, smoking can cause your rates to go through the roof, in drastically increase the chances of you being denied coverage. If you’re looking for the most affordable term life insurance, you’re going to have to kick the cigarettes once and for all. When dealing with a heart condition, companies are going to look for anything that could increase the risk of further heart complications, and smoking is one of them.

If you want the lowest monthly premiums available to you, the best way to do that is by working with an independent agent. Instead of only representing one company, independent agents, like ourselves, represent some of the most highly rated companies across the United States. Working with an independent agent will save you time, because you won’t have to call all of the companies yourself to receive a quote. Additionally, our agents understand the insurance marketplace and know which companies are going to look at your specific situation favorably and can help you get the lowest rates for an insurance plan.

If you have any questions about life insurance or need helping finding the perfect coverage for you, please feel free to contact us at any time. Our agents are dedicated to ensuring that you get the best and most affordable coverage for your loved ones. If you’ve ever been told that you can’t get life insurance coverage because of your heart condition, or you think that you would have to pay a ridiculous price for a policy, let us help you. Not only can we find you the perfect policy, but we can get you a policy that is affordable.

You never know what’s going to happen tomorrow. Nobody wants to think about their own death, but planning for the worst. Don’t let your family be stuck under all of your final expenses. Having quality life insurance is the best decision you can make for your family. Make that decision today.

It’s not impossible to get affordable life insurance with an irregular heartbeat.   You just have to know how to approach it.   And that’s what we specialize in.  🙂

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