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Atrial Fibrillation Life Insurance

If you suffer from Atrial Fibrillation and need Life Insurance, you may already know from personal experience that terms can be difficult to get. People with Atrial Fibrillation will need to complete a questionnaire and insurer underwriters will want to obtain your medical records. This page looks at How Atrial Fibrillation and Life Insurance will be assessed.
 

What Is Atrial Fibrillation Life Insurance?

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.

How it works Atrial Fibrillation Life Insurance

STEP 1
Complete form
STEP 2
Speak to us about your needs
STEP 3
We’ll search the market
STEP 4
We recommend the best product to suit your needs
STEP 5
Tell us when you want it to start!
If you have been diagnosed with Atrial Fibrillation and want Life Insurance, you will need to disclose information about your condition such as:

Date of diagnosis

Most recent attack / symptoms

any recent hospitalisation

Medication / treatment

Results of ECHO and Thyroid Hormone investigations

The Insurance Surgery is a leading life insurance expert for people who have pre-existing medical conditions such as Atrial Fibrillation. Our team of expert Life Insurance advisors have helped thousands of individuals, families and businesses to protect themselves and their financial futures.

Critical Illness Cover

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 PressureAngina or Cardiomyopathy, or if attacks are more frequent, then you may also find that Critical Illness Cover may be declined.

Income Protection Insurance

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.

Facts about Atrial Fibrillation:

Underwriters assessing life insurance for those with coarctation of the aorta will consider the following:
 
Underwriting for professional football players seeking life insurance cover will depend on the following factors. Insurers may request more details on the following:

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

Causes of Atrial Fibrillation

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:

Heart Valve Disease

Cardiomyopathy

Raised Blood Pressure (Hypertension)

Congenital Heart Disease

Pericarditis

Atherosclerosis

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.

COPD

Lung Cancer

It is also known that there are certain events that can cause an episode of Atrial Fibrillation to trigger, including:

Excessive amounts of caffeine

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.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links​

The Insurance Surgery is a leading Life Insurance and Travel Insurance expert for people with pre-existing medical conditions such as Atrial Fibrillation. Our team of expert advisers have helped thousands of individuals, families and businesses to protect themselves and their financial future.

Why Choose The Insurance Surgery?

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We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

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.  

How Much Does Life Insurance for HIV Cost?

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.

Life Insurance with HIV Case Study 1

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:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

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:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

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specialist advice today.

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Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can a person with HIV get life insurance?

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.

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