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Best Options for Final Expense Insurance With Atrial Fibrillation (A-Fib)

Final Expense Insurance Atrial Fibrillation

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.

What Should You Know about Burial 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.

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 offer final expense with AFib like it’s a walk in the park.

How Does AFib Underwriting Work for Final Expense Insurance?

Final expense with A-Fib

Most burial insurance companies will ask you about Atrial Fibrillation on the health questionnaire. It’s a yes or no question. Basically, they will 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 with Atrial Fibrillation. But no worries here! We work with the best of the best. We will weed out those companies for you. The choice is the key.

What Information Does Agents Need to Offer Burial Insurance Quotes?

We will ask you two questions when applying for the final expense with AFib:

  1. Do you have AFib?
  2. What medications do you currently take or have taken?

Health Questions Asked for Burial Insurance with AFib

Burial Insurance with AFib

When you have Atrial Fibrillation, the primary objective is getting your heart back into rhythm and preventing 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 two steps in the underwriting process.

  1. A Heath Questionnaire
  2. Prescription History Check

Health Questions

Typically, the health questions in insurance for the final expense with AFib need answers with a Yes or No. It means the insurer simply wants to know if you have this medical condition or not. 

The questions may vary from simple ‘Have you received diagnosis or treatment of AFib in the past 12 months’? to specific ones related to irregular heartbeats. Mostly, the questions are about a specific time that maybe 12 months or 24 months. 

Not every final expense insurance provider asks about AFib. Some carriers aren’t concerned about your conditions. Hence, they won’t charge you added premiums or ask for a 24-month waiting period. 

Your only cause of worry is if you answer with yes to one of their knockout questions related to a significant underlying health condition. Otherwise, your application will be accepted, maybe immediately on the phone.

Prescription History Check

Outside of the health questions you answer, insurance carriers will be looking for prescription medications that 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 that may be commonly used to treat AFib:

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.

What Are Your Options to Buy Burial Insurance with AFib?

Burial insurance for the final expense with AFib works as a whole life insurance policy with death benefits of $5000-$50,000. Depending on your conditions, needs, and budget, you can pick a level death benefit policy or guaranteed issue plan with graded benefit. 

Let’s see what they offer:

Level Death Benefit Policy

Several burial insurance companies will not ask about your AFib conditions and accept them. They have lenient underwriting guidelines that offer coverage from the first day without any medical exam. 

Guaranteed Issue Plans

With a graded death benefit, guaranteed issue burial insurance comes with a 2-3-year waiting period. If you die during this time, the policy will repay your premiums with a 10% interest. Guaranteed issue policies have fixed premiums, and the policy stays in force until the insured passes away or premiums are paid. 

Which One Should You Choose?

If AFib is your standalone condition, you can qualify for a level death benefit. You will need to buy a guaranteed issue policy only if your AFib is accompanied by another medical condition that is not eligible for level death benefits or immediate coverage.

What Happens If You Have Diabetes or Heart Disease with AFib?

Diabetes or Heart Disease with AFib

While most burial insurance companies accept AFib, they may not approve other health conditions. For example, if you have heart disease or diabetes, they will deny level death benefit. But, you may apply for a guaranteed issue policy with a maximum of $25,000 coverage. 

The company will also ask if you experienced chest pains or heart palpitations in the past six months since these symptoms lead to unstable heart conditions. As such, you will be disqualified for a level death benefit, leaving guaranteed issue as your last resort.

Which Are the Best Burial Insurance Companies for AFib?

Burial Insurance Companies for AFib

If you qualify for health conditions laid by the carrier, you will get the coverage you need. But, you have to know which company will accept your conditions and at what terms. That’s where you need our help. We work with the leading insurers to offer the best rates for you. 

The companies providing the most affordable insurance for the final expense with AFib include:

Foresters Financial

The company has a stellar reputation for its low prices and membership benefits. It offers immediate coverage even if you have Atrial Fibrillation. You will get three options for coverage- Basic, Standard, and Preferred, depending on your overall health conditions. While basic plans offer a 2-year waiting period with high premiums, there’s no waiting period in standard and preferred plans. 

$10,000 of Coverage for Male

AgePreferredStandardBasic
50$32$45$47
55$37$59$60
60$45$74$74
65$56$93$95
70$73$112$118
75$103$161$171
80$147$216$259
85$201$308N/A

$10,000 of Coverage for Female

AgePreferredStandardBasic
50$26$37$37
55$31$43$44
60$34$50$52
65$43$65$66
70$53$83$86
75$75$120$132
80$111$167$192
85$166$253N/A

Royal Neighbors of America

The company will look at your medical history for heart issues before offering burial insurance. It will ask if the proposed insured has been diagnosed in the past 18 or 24 months for stroke, chest pain, heart attack, heart surgery, cardiomyopathy, or circulatory surgery. 

If you answer yes to any of these questions, you will qualify for the graded plan with a 2-year waiting period and changing premium rates.

$10,000 of Coverage for Male

AgeLevelGraded
50$40$58
55$46$65
60$50$69
65$59$86
70$75$117
75$110$169
80$154$233
85$213$322

$10,000 of Coverage for Female

AgeLevelGraded
50$34$46
55$38$51
60$38$52
65$45$63
70$56$84
75$80$123
80$110$173
85$149$233

Mutual of Omaha

Since Mutual of Omaha offers the lowest premium rates, it is a lot pickier about qualifications. The company will ask if the proposed insured received treatment, care, or diagnosis for heart attack, coronary artery disease, angioplasty, cardiomyopathy, valvular heart disease, or irregular heart rhythm in the past 24 months. If you answer yes to these questions, you will get a graded plan.

$10,000 of Coverage for Male

AgeLevelGraded
45$25$42
50$29$46
55$35$60
60$43$75
65$56$95
70$74$120
75$100$170
80$133$254
85$183N/A

$10,000 of Coverage for Female

AgeLEVELGRADED
45$23$35
50$25$38
55$28$46
60$33$53
65$41$65
70$53$86
75$72$127
80$98$14
85$136N/A

Transamerica

As one of the oldest insurance providers in the country, Transamerica offers affordable burial insurance for AFib. You will qualify for its standard plan if you have been treated for this disease in the past 24 months. Transamerica’s preferred plans are offered to those having the last treatment more than 24 months ago.

$10,000 of Coverage for Male

AgePreferredStandard
45$29$33
50$32$38
55$36$48
60$44$60
65$57$80
70$75$106
75$101$140
80$142$198
85$223$299

$10,000 of Coverage for Female

AgePreferredStandard
45$24$28
50$26$31
55$30$38
60$34$44
65$42$55
70$55$72
75$74$97
80$105$141
85$165$211

How Can You Find the Most Affordable Burial Insurance 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.

There is no point in making multiple calls to different agents when you can accomplish everything and more with just one call to us?

If you need help with a 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.