Any time you have an adverse health condition, applying for life insurance can be challenging. Oftentimes, it may even become frustrating – especially if you’ve been turned down for coverage in the past.
For those who have been diagnosed with atrial fibrillation, it may seem like life insurance is not possible to obtain, as this type of heart condition can have serious consequences. However, by applying for coverage through an impaired risk specialist, you can substantially increase your chances of approval.
One reason for this is because these life insurance specialists know which life insurers will and will not accept applicants who possess this particular type of condition. This alone can save you a great deal of time and anticipation.
In addition, working with these professionals can also help to ensure that all of the proper additional paperwork will be submitted. This can help to save time in the underwriting process – getting you the coverage that you need more quickly and efficiently.
What The Insurance Company Wants To Know
When applying for life insurance coverage, there are certain factors that are important to the insurance company in determining the level of risk you may present to them. In the case of atrial fibrillation, for example, underwriters are typically concerned about the increased risk of this condition causing a stroke.
With this in mind, it is likely that you will be asked certain questions when applying for coverage, such as:
- What type of atrial fibrillation have you been diagnosed with?
- What medications are you currently taking for your condition?
- What was the cause of your atrial fibrillation?
- Have you been diagnosed with any other heart or health issues?
In addition, the life insurance underwriters will also want to know how – and how well – you are managing your condition. This is because your diet, activities, and exercise regime will play an important part in your anticipated life expectancy.
What To Expect Regarding Life Insurance Coverage
The life insurance coverage that you are able to obtain will largely depend upon your overall condition, as well as whether or not you have any other health related ailments. For example, if you have paroxysmal atrial fibrillation, but you have no other surrounding health conditions, you may be able to qualify for standard life insurance coverage. This means that you will have similar coverage – and pay similar rates – to other insureds who are considered to be of average health, height, and weight.
If, however, you have been diagnosed with more chronic atrial fibrillation, it is likely that you will be considered a higher risk to the insurance company, and will therefore be required to pay a higher amount of premium rate. The actual rate that you will pay will be based largely upon the cause of your condition, as well as any other heart issues you may have, as well as on the results of any necessary cardiac tests.
How To Improve Your Chances Of Obtaining Life Insurance Coverage
In order to improve your chances of obtaining life insurance, atrial fibrillation and other similar conditions may require that you take certain measures. One of the best ways of improving your chances for approval is by following your doctor’s diet and exercise plan. This, combined with your prescribed medication, can lead you to better overall health, and to becoming less of a risk in the eyes of the life insurance underwriter.
You may also consider discussing with your physician the placing of notes in your medical file to this effect. In doing so, the life insurance underwriters will be able to read this information when they review your medical records during the life insurance underwriting process. This, too, can be a real positive factor in your favor.
Another great way to help in obtaining coverage is to work with a company that has a focus on heart patient life insurance cases. For example, we know which insurers are more likely to accept applicants with atrial fibrillation – and which ones aren’t – so we can help to speed up the process of obtaining coverage for you.
We can also help you to state your case for coverage by helping you to highlight the positive lifestyle activities you participate in for the proper control and management of your atrial fibrillation condition.
Every insurance company is different, all of them are going to view your pre-existing condition differently. Each company could give you drastically different rates for the same amount of coverage. If you want to improve your chances of being approved at an affordable rate, improve your health through a diet and regular exercise. Both of these are going to help you get better results from the medical exam, which will translate into better ratings for your insurance policy. Though if your health is too bad to qualify for the traditional medically underwritten policy, there are other options such as the no medical exam life insurance policy.
Additionally, if you use any tobacco, it’s time to cut those out of your life. If you’re a smoker or use chewing tobacco, it could hurt your chances of being approved for insurance coverage or cause your rates to go through the roof.
Putting Your Life Insurance Coverage In Motion
When you’re ready to take the next step towards applying for the life insurance coverage you need, you can start by obtaining quotes from some of the top insurers in the marketplace. By filling out the form on this page, you can get the process in motion.
That form will connect you with one of our independent insurance agents and we can get you the best life insurance protection to meet your needs. Because life insurance is one of the most important investments that you would make, nobody should go without the insurance that they deserve. We can ensure that you’re getting quality and affordable life insurance protection.
We can also help you decide which type of life insurance coverage is best for you and your loved ones. It’s important that you make the best decision between the different kinds of policies. Even if you’ve been declined for coverage in the past, or been told that your premiums will be too expensive, contact us and we will show you several affordable options.
Because there are many variables in the process of applying for life insurance, we understand that you may have some additional questions or concerns – and we are here to help. If at any time you need assistance, you can contact us at 888-229-7522 and we’ll be happy to help.
You never know what’s going to happen tomorrow or when something tragic could happen to you. Don’t wait any longer to get the perfect insurance protection for your loved ones. Every year there are thousands of families that unexpectedly lose a loved one, and while they are going through the emotional pain, they are put under thousands of dollars of debt that can make the situation a lot worse.