Can You Get Life Insurance with Atrial Fibrillation (Afib)?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding Life Insurance Eligibility with Afib

Atrial Fibrillation (Afib) is a heart condition that can impact life insurance eligibility. However, having Afib doesn’t automatically disqualify you from obtaining life insurance. Underwriters will evaluate several factors:

  • Frequency of Episodes: The regularity of Afib episodes is a crucial factor. Less frequent episodes are viewed more favorably.
  • Recent Episodes: The time since your last episode can affect your eligibility. More recent episodes might be seen as higher risk.
  • Medical Management: Effective control of Afib, especially under a cardiologist’s supervision, is vital. Adherence to treatment plans can positively influence underwriting decisions.
  • Use of a Defibrillator: If a defibrillator is being used to manage Afib, this generally leads to an automatic decline for life insurance.

Factors Influencing Insurance Decisions

  1. Medical History: Your overall health history, including the management of Afib.
  2. Treatment Compliance: Following doctor’s orders and treatment plans can be beneficial.
  3. Lifestyle Choices: Healthy lifestyle choices can mitigate risk factors.
  4. Cardiologist’s Reports: Regular check-ups and positive reports from a cardiologist are crucial.

Afib and Life Insurance Eligibility

FactorImpact on EligibilityNotes
Episode FrequencyHighLess frequent = Lower risk
Time Since Last EpisodeModerate to HighLonger duration = Lower risk
Medical ManagementHighEffective control = Positive impact
Use of DefibrillatorCriticalUsually leads to automatic decline


Obtaining life insurance with Atrial Fibrillation is possible, but it depends on the specifics of your condition and how well it’s managed. Insurance companies will assess the risk based on the frequency and recency of episodes, along with your overall health and compliance with treatment. It’s important to consult with insurance experts who can guide you based on your individual circumstances. Contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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