My Dad was diagnosed with Atrial Fibrillation years ago. He had looked at Final Insurance policies and found the barriers and confusion to be too much. Like many people, he had given up. Many of the publicly aware companies (all over TV and ads, like Colonial Penn), made getting final expense insurance seem like a no-go when it comes to someone with Atrial Fibrillation.
My dad is pretty tech savvy for a senior (sorry dad!), so he wanted a simple online approval without lengthy conversations with sales agents confusing him beyond belief. Thank God I joined the amazing team at Insurance for Final Expense. I was able to let him know how easy this process would be for him.
Let’s be honest, as with many other health conditions, many insurance companies complicate the application experience to the point where you literally throw your hands up in the air and wonder why you are even trying to do this. It can seem so complicated. But getting affordable burial insurance with Insurance for Final Expense is a completely different experience.
First off, at Insurance for Final Expense, we make it simple.
We Will Ask You Two Questions About AFib When Applying for Final Expense Incurance:
- Do you have AFib?
- What medications do you currently take or have taken?
About Atrial Fibrillation
Atrial fibrillation is an irregular and oftentimes accelerated heart rate that can increase one’s risk of strokes, heart failure and other heart-related complications.
During atrial fibrillation, the heart’s two upper chambers (the atria) beat chaotically and irregularly — out of coordination with the two lower chambers (the ventricles) of the heart.
Episodes of atrial fibrillation may come and go, or you may develop atrial fibrillation that doesn’t go away and may require treatment. Although atrial fibrillation itself usually isn’t life-threatening, it is a serious medical condition that sometimes requires emergency treatment.
One of the biggest concerns regarding atrial fibrillation is the potential to develop blood clots within the upper chambers of the heart.
Treatments for atrial fibrillation may include medications and other interventions to try to alter the heart’s electrical system.
Causes of AFib include:
- High blood pressure
- Heart attack
- Coronary artery disease
- Abnormal heart valves
- Heart defects you’re born with (congenital)
- An overactive thyroid gland or other metabolic imbalance
- Exposure to stimulants, such as medications, caffeine, tobacco or alcohol
- Sick sinus syndrome — improper functioning of the heart’s natural pacemaker
- Lung diseases
- Previous heart surgery
- Viral infections
- Stress due to surgery, pneumonia or other illnesses
- Sleep apnea
AFib is Widespread and Well Treatable
When you have atrial fibrillation, the primary objective is getting your heart back into rhythm and prevent blood clots that could lead to a stroke. For many people with AFib, medicine is the best treatment option.
When you apply for coverage with any final expense insurance company, you will undergo 2 steps in the underwriting process.
- A Heath Questionnaire
- Prescription History Check
Outside of the health questions you answer, insurance carriers will be looking for prescription medications that could suggest you have AFib. If you are on any of the below medications, expect carriers to see you as a possible Atrial Fibrillation patient.
Below is a list of medications commonly used to treat AFib:
- Apixaban (Eliquis)
- Clopidogrel (Plavix)
- Dabigatran (Pradaxa)
- Enoxaparin (Lovenox)
- Rivaroxaban (Xarelto)
- Warfarin (Coumadin, Jantoven)
We have years of experience insuring those with atrial fibrillation to secure quality affordable final expense insurance. No higher prices. No waiting periods. Insurance for Final Expense Offers you simple, low-cost options..
The REAL DEAL About Final Expense Insurance With Atrial Fibrillation
While many burial insurance companies will gauge you financially for a policy, we can offer you a spectrum of exceptional carriers who absolutely won’t take advantage of your condition.
After All, Why Should You be Penalized for Having AFib?
If you are working with a captive agent or an agent with limited resources, you have one option, theirs. But since you are working with Insurance for Final Expense, as independent agents, we provide you with access to multiple insurers that accept AFib like it’s a walk in the park.
AFib underwriting with Burial Insurance Companies
Most burial insurance companies will ask you about Atrial Fibrillation on the health questionnaire. It’s a yes or no question. Basically, they will simply ask if you do or do not have Atrial Fibrillation.
With AFib, that is all we need to know. Final Expense insurance companies aren’t concerned with the details about the condition. You see, final expense life insurance coverage is structured to be very simple in understanding and application.
Many companies do have a problem with taking on clients wit Artrial Fibrillation. But no worries here! We work with the best of the best. We will weed out those companies for you. Choice is key…
The BEST of the BEST in Final Expense Insurance for Those With AFib
To find the best final expense insurance with atrial fibrillation, you have to work with an agency like Insurance for Final Expense. We represent a large pool of burial insurance companies. This means that you have access to multiple carriers and we will only put you in the best, low-cost plan.
Here’s the Final Point
Call us or allow us to call you. There is no point to making multiple calls to different agents when you can accomplish everything and more with just one call to us?
If you need help with guaranteed issue or final expense insurance, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.