2024 Burial Insurance with Atrial Fibrillation or AFib

Do you have, or have you had AFib in the past and want to get some burial insurance? Things may not be as bad as you think, as we routinely help people get 1st-day coverage with past or current AFib. 

This article will show you how to get the most affordable burial insurance if you have atrial fibrillation.


What Is Atrial Fibrillation?

Atrial fibrillation, often abbreviated as Afib, is a heart condition where the heart’s upper chambers (the atria) beat irregularly and chaotically instead of in a steady rhythm. This can lead to several complications, including blood clots, stroke, heart failure, and fatigue; all of which can be life-threatening.

Someone with Afib is statistically more likely to die from heart-related health issues…which is why burial insurance for AFib is so important! 

Can I Get Burial Insurance If I Have Atrial Fibrillation?

YES: You can qualify for first-day coverage insurance with some life insurance companies that don’t ask about AFib in the health questionnaire.

NO: If you are currently hospitalized, have been hospitalized more than two times in the last two years, or have other significant health issues, you may not qualify for a first-day coverage plan.

If you don’t qualify for a first-day coverage plan, you can still qualify for first-day benefits or guaranteed-issue burial insurance that won’t ask health questions.

What Are The Types Of Burial Insurance Available To People With Atrial Fibrillation?

FIRST-DAY COVERAGE – This burial insurance has no waiting period. Your death benefits are available immediately upon death, Burial insurance with no waiting period is always less expensive than guaranteed issue life insurance. 

GUARANTEED ISSUE LIFE INSURANCE –This policy does not require a medical exam or health questions. Coverage is guaranteed regardless of your health condition. However, it comes with a two-year waiting period.

If you pass away during the first two years, the insurance provider will only pay out the premiums you have paid plus 7-10% interest (depending on the company).

What Is My Best Insurance Option If I Have Atrial Fibrillation?

If you’ve ever been diagnosed, received treatment, or advised to receive treatment and medication for atrial fibrillation, your preferred option should always be a first-day coverage plan.

Some burial insurance companies are not concerned with atrial fibrillation or irregular heartbeat and don’t ask about it on their health questionnaire. 

Do I Need A Medical Exam To Qualify For Burial Insurance?

Medical exams, blood tests, and urine samples are not required for burial insurance approval.

The best burial insurance plans with first-day coverage ask basic health questions. and offer approval within minutes!

What Is The Cost Of Burial Insurance If I Have Atrial Fibrillation?

The cost of burial insurance will depend on your:

  • Age
  • Coverage amount
  • Gender
  • General health
  • State of residence
  • Smoking status
  • Type of policy

Burial Insurance Underwriting If You Have Atrial Fibrillation

Here’s how some insurance companies ask about atrial fibrillation on the insurance application:

  • In the last 12 months, have you received a diagnosis or treatment for atrial fibrillation?
  • Have you ever been diagnosed or treated for atrial fibrillation or irregular heartbeat?
  • During the past 36 months, have you been hospitalized for heart attack, heart failure, or heart or circulatory surgery, including pacemaker, heart valve replacement, stent implant, or any procedure to improve circulation to the heart?

Here’s a list of prescription medications often prescribed for Atrial Fibrillation:

  • Amiodarone (Cordarone, Pacerone)
  • Digoxin (Lanoxin)
  • Dofetilide (Tikosyn)
  • Flecainide (Tambocor)
  • Propafenone (Rythmol)
  • Sotalol (Betapace, Sorine)

Information We Need If You Had A History Of Atrial Fibrillation

Here are some of the questions we may ask to get you the best plan and lowest pricing:

  • Are you diagnosed with atrial fibrillation, when were you diagnosed?
  • Are you receiving treatment for atrial fibrillation?
  • Are you taking prescription medications?
  • Did you have any heart complications from atrial fibrillation?
  • Have you been having irregular heartbeats? For how long?
  • Have you ever visited an emergency room or been hospitalized due to atrial fibrillation?
  • Have you had a stroke or heart attack?
  • Have you undergone any treatment or surgery for an irregular heartbeat?
  • How long do your irregular heartbeats last?

What If My Application Was Rejected Because Of Atrial Fibrillation?

If you’ve been declined in the past because of atrial fibrillation, it is best to work with an independent insurance agency like Funeral Funds. Our independent agents know the underwriting guidelines of different insurance companies, and we can get you approved with other companies offering the lowest rates.

We have access to more than 20 insurance companies and can help you qualify with a heart-friendly life insurance company. 

How to Get First-Day Coverage With A History Of Atrial Fibrillation

Not all companies treat Afib the same way. The best way to get a first-day coverage burial insurance plan is to work with an independent agency like Funeral Funds. Our independent life insurance agents can compare insurance companies offering first-day coverage insurance and recommend the best plan with the best pricing.

How To Apply For Burial Insurance With Atrial Fibrillation

  1. Consult with an Independent Insurance Agent – Look for an independent insurance agent specializing in underwriting for atrial fibrillation. They can help you understand your options, compare quotes, and choose the most suitable burial insurance plan.
  2. Complete the Application Honestly – Select the plan that meets your needs and budget. Be honest and accurate when answering health questions. Provide accurate details about your health, treatments, and any lifestyle changes you’ve made. 
  3. Review and Confirm Policy Details – Carefully review the policy terms before confirming your acceptance. Follow the insurance company’s instructions for submitting your application.

How Can Funeral Funds Help Me?

Here at Funeral Funds, we specialize in getting life insurance coverage for people with a history of atrial fibrillation.

We work with many A+ rated insurance companies offering plans tailored to people with pre-existing conditions. We will search those companies to give you the best rate. We’ll match you up with your best life insurance option.

We will assist you in securing the coverage you need at a rate you can afford. So, if you’re looking for burial insurance for atrial fibrillation, we can help. Fill out our quote form on this page or call us at (888)862-9456 to get accurate burial insurance quotes.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Atrial Fibrillation Or AFIB Infographic

Frequently Asked Questions

Which insurance is best for patients with AFib?

A first-day coverage plan that will approve someone with atrial fibrillation is going to be your best choice. These plans offer coverage from the first day and do not have a waiting period.

Can I get burial insurance after atrial fibrillation treatment?

Some insurance companies do not ask about atrial fibrillation treatment on their health questionnaire, making it easier to qualify for a first-day coverage plan.

Do I need to tell insurance about atrial fibrillation?

Yes, if they ask about it in the health questionnaire.

Can I get insurance if I have atrial fibrillation and am on blood thinners?

Yes, some insurance companies accept people who are on blood thinners.

Is there a waiting period for life insurance with atrial fibrillation?

No, there is no waiting period if you qualify for a first-day coverage plan.

Can you be rejected for life insurance because of atrial fibrillation?

Yes, if you have a recent heart attack or stroke due to atrial fibrillation.

Is there an age limit for burial insurance with atrial fibrillation?

You can get burial insurance until you are 89, and your policy will last until you are 121.


CALL NOW (888) 862-9456