Atrial Fibrillation – can I get Life Insurance?

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.


Case study

We were approached by a 53 year old lady who was looking to arrange some life insurance to help her family eventually pay for her funeral and provide some financial support when she passes away.

Upon reviewing her medical history she mentioned that in 2010 she was diagnosed with Paroxysmal Atrial Fibrillation. No medical examination was called for at the time and the symptoms of the condition disappeared after a month or two with no symptoms since.

More about Atrial fibrillation

Atrial fibrillation is a heart condition that causes an irregular and often abnormally fast heart rate. A normal heart rate should be regular and between 60 and 100 beats a minute when you’re resting. You can measure your heart rate by feeling the pulse in your neck or wrist. In atrial fibrillation, the heart rate is irregular and can sometimes be very fast. In some cases, it can be considerably higher than 100 beats a minute.

This can cause problems including dizziness, shortness of breath and tiredness. You may be aware of noticeable heart palpitations, where your heart feels like it’s pounding, fluttering or beating irregularly, often for a few seconds or, in some cases, a few minutes. Sometimes, atrial fibrillation doesn’t cause any symptoms and a person with it is completely unaware that their heart rate isn’t regular.

Despite it being over 7 years since our client had experienced the symptoms, most insurers advised that an application would result in a premium loading ranging between 25% and 50%.

The Outcome

One insurer was able to offer the cover she wanted on standard rates at a monthly premium of £23.80, this would provide her with a policy which would pay out £15,000 if she passes away before the age of 90.

Initially, this company looked to be the 4th cheapest, but after underwriting the top 3 companies loaded their premiums making them more expensive. This highlights why expert advice is so vital in getting the best deal for our clients.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

How to contact us:

Whilst you are welcome to get a quote on-line but we would recommend you talk to one of our advisers.

Your adviser will take into account your medical history. Any quote which they provide to you will take into account to your situation, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.


Do you suffer with a medical condition and are concerned you can’t secure Life or Critical Insurance?  

Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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For more information on Atrial Fibrillation from the NHS please click Here

– Lead ID: 28830662

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