Life Insurance for Seniors – Atrial Fibrillation
Life Insurance for Seniors – Atrial Fibrillation is entirely possible but it depends on how severe your condition is and how healthy you are otherwise.
Atrial fibrillation, also known as ‘arrhytmias’ or ‘dysrhythmias’, is a condition where the heart beats rapidly and irregularly. This irregular heartbeat is due to distortion of the heart’s electrical system.
When an irregular heartbeat is persistent, this is known as chronic or permanent atrial fibrillation. The most common causes of chronic atrial fibrillation are coronary heart disease and long-term high blood pressure. If left untreated, this condition could result in a blood clot developing – ultimately leading to stroke or heart failure.
Due to the prevalence of atrial fibrillation, the life insurance sector in the USA has flexible policy options available to suit people who suffer from this condition. The ultimate outcome of an assessment however comes down to the level of risk a sufferer is likely to have.
Can I qualify for Life Insurance with atrial fibrillation?
Although atrial fibrillation isn’t fatal by itself, the risk to insurance companies comes from how this condition can increase your chances of a stroke or a serious heart condition.
Life Insurance for Seniors – Atrial Fibrillation No medical Exam
Even if you don’t qualify for traditional life insurance you still have options. You can apply for a Life Insurance with NO medical Exam called simplified life and guaranteed life insurance.
Guaranteed issue life insurance policies are issued to anyone, regardless of their state of health. Even if you have been told that you aren’t insurable or if you have been declined in the past, you will be approved for guaranteed issue life insurance.
For Guaranteed Issue Life Insurance you have only to answer some questions to be approved:
- Are you living in a facility such as a nursing home?
- Have you been diagnosed with a serious illness like cancer or diabetes in the last two years?
- Do you have heart disease?
- Do you have HIV?
- Have you had a stroke?
- Do you have kidney disease?
- Do you have any cognitive impairments?
Often these policies have face values of $25,000 and sometimes less. The reason a client has turned to a guaranteed issue policy is often to cover final expenses in the unfortunate event of their passing. They are primarily buying life insurance to assure that their loved ones will not have to worry about funeral expenses, burial costs and outstanding debt when they die.
Simplified Issue life insurance have anywhere from three to 12 health questions. The more health questions the insured can answer “no” to, the lower the premium and the higher the death benefits. Most simplified issue plans also offer discounts to non-smokers.
Shop for the best Quotes Life Insurance for Seniors with Atrial Fibrillation
Trying to find the perfect insurance policy can be a long and frustrating process. We understand that and we are here to make the whole thing easier, but start to finish.
If you want to receive a quote directly, you can do so immediately via our www.MintcoFinancial.com
Alternately don’t hesitate to call us at 813.964.7100
Email us at [email protected]mintcofinancial.com