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Someone who has been diagnosed with Atrial Fibrillation and needs Life Insurance, will find it is certainly possible to obtain cover in most cases. Insurance underwriters will want to know the details of your Atrial Fibrillation which will include how many attacks you have suffered in the past several years, as well as the frequency and severity of those attacks. They will also want to see a medical report from your GP as well as results of any Thyroid Hormone investigations and any ECHO done recently.
Life Insurance terms for Atrial Fibrillation will generally vary depending on the number of attacks suffered each year, any recent hospitalisation and any associated conditions such as High Blood Pressure, Cardiomyopathy or Angina. Terms can be offered with a small rating if the condition is well controlled with few attacks or can be rated heavily if there are complications, even up to a decline for more severe cases.
Anyone who has a history of Atrial Fibrillation and is looking for Critical Illness Cover, you will find that you will be required to submit your medical records to underwriters to support your application. In some less severe cases where there have been few attacks in recent times and there are no additional complications, you may find the terms may be offered with a small premium loading and / or some exclusions for cardiovascular related conditions.
For more severe cases of Atrial Fibrillation where the attacks have been more frequent, you may also find that cover can be postponed for a period of time until the condition has been brought under control.
As with Life Insurance for Atrial Fibrillation, for more serious cases where there are related conditions such as High Blood Pressure, Angina or Cardiomyopathy, or if attacks are more frequent, then you may also find that Critical Illness Cover may be declined.
Income Protection for people with Atrial Fibrillation is assessed in a very similar way to Critical Illness Cover and will more than likely require a full medical report from a small loading, with exclusions up to a large rating to premiums or even a decline in more severe cases with additional complications.
Our experience shows that there are only certain insurers who will consider Income Protection for Atrial Fibrillation so it is important to apply to the best provider to suit your circumstances.
1 in 4 at risk of developing AF over the age of 40
50% of people who have suffered an AF related Stroke will not survive past 12 months
33% do not realise that they have developed Atrial Fibrillation
You are 5 x more likely to suffer an AF related stroke if untreated
Nobody currently knows the exact cause of Atrial Fibrillation, however it is known that it is more common within certain age groups (over 40) and social groups.
Atrial Fibrillation is also more commonly found in people who suffer from other heart related conditions, such as:
The Insurance Surgery is a leading Asthma life insurance expert and we have helped thousands of families, individuals, and businesses to protect their financial future.
Lung Cancer
It is also known that there are certain events that can cause an episode of Atrial Fibrillation to trigger, including:
If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.
We take pride in the experience that we offer, guaranteeing excellent service at all times.
With 25 years of specialist life and protection experience, we can find the perfect policy for you.
With a broad selection of partners, we are well-equipped to find the best insurance deals for you.
Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.
Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.
For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.
Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.
Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.
Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.
James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.
We found James Life Insurance & Critical Illness Cover below:
Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.
We found Jean the Level Life Insurance below:
We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.
Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.
Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.
If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.
The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.
Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.
Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.
We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.
Stay informed with the latest updates in the insurance industry for 2025 here.
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