Can I Get Final Expense Insurance if I Have AFib?
Yes — most seniors with atrial fibrillation (AFib) can get final expense insurance. Well-controlled AFib without recent hospitalization typically qualifies for level benefit (day-one) coverage. Severe AFib with recent complications may require a graded benefit or guaranteed issue policy.
Atrial fibrillation is one of the most common heart conditions in seniors, affecting over 5 million Americans. Most final expense carriers distinguish between controlled AFib (managed with medication, no recent hospitalization) and complicated AFib (recent cardioversion, ablation, or hospitalization within 2 years). Controlled AFib is generally insurable at standard rates.
Level Benefit Options for AFib
Mutual of Omaha Living Promise and Foresters Financial PlanRight both offer level benefit (day-one coverage) for applicants with controlled AFib. The key underwriting questions are: (1) Has the AFib required hospitalization in the past 2 years? (2) Is it currently managed with medication? (3) Are there other concurrent heart conditions (heart failure, recent heart attack)?
Graded and Guaranteed Issue for Complicated AFib
Seniors with AFib who have been hospitalized in the past 2 years, or who have concurrent heart failure, will typically be placed in a graded benefit policy (full benefit after 2–3 years) or a guaranteed issue policy. American General Guaranteed Issue and Gerber Life Guaranteed Life are the most accessible options for this group.
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