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Some people can get denied coverage if they have AFIB, but only if they are applying to the wrong places.
There are plenty of burial life insurance companies out there that give people with AFIB the same low rates that people without this condition receive.
In this article we are going to go over your options as someone with AFIB and top ways to save the most money.
Table Of Contents
- How Insurance Companies View Atrial Fibrillation
- Other Health Conditions
- Find the Best Rates
How Insurance Companies View Atrial Fibrillation
There are many insurance companies that will charge your more or only offer policies with a waiting period if you have Atrial Fibrillation.
The truth is many companies out there don’t ask about Atrial Fibrillation whatsoever. This only happens though if you have access to these companies.
If you go down to your local life insurance agent they likely won’t have access to a wide variety of companies.
Work with an independent agency like Seniors Mutual to find the best rates available from the best companies.
Atrial Fibrillation is not something that insurance companies care when you had it. For those carriers that ask about this condition, they will simply ask if you’ve ever been diagnosed or treated for this.
So, if you had Atrial Fibrillation many years ago, you still must answer yes to this question for the insurance carrier.
Luckily, there are companies that don’t ask about AFIB whatsoever.
While you may not have AFIB, there are some medications that may be borderline for AFIB that will come up as a red flag to the insurance company.
To get accurate rates, it is important to go over all of your medications that you take, especially for something related to your heart or circulatory system.
While you may not be one of the people with AFIB, you may be taking a medication that disqualifies you from certain carriers.
Below are a few of the major medications people use for AFIB. While some of these do not matter to certain insurance companies, others will disqualify you.
Give us a call or fill out the quote form and we will go over all of your options once we get your complete health profile.
Other Health Conditions
While this article is about AFIB, many people have more than on health condition. If you or a loved one are one of these people, don’t worry.
We are experts in finding the best rates available for every person no matter how many health conditions they have.
Just keep in mind, while there are a few companies that do not care about AFIB, they may care about your other health conditions and deny you coverage based on those.
It’s important to go over your entire health profile and medications to find the best rates available and save you the most money.
Find The Best Rates
At this point you probably know the only way to find the best rates available is to call us or fill out the quote form to go over your entire health profile.
The truth is, many people buy insurance from their local agent or the first person they talk to on the phone.
The best way to find the best rates on burial life insurance is to work with an independent agency, one that goes over all of your options from lots of companies.
At Seniors Mutual, we are experts in finding the best rates available to anyone no matter how many health conditions they have.
If you want to keep the most amount of money in your pocket, then it is vital that you with us or another independent agency that will keep your best interests, and your pocketbook, at heart.
Give us a call or fill our our quote form today and we will go over all of your options with you free of charge!