Burial Insurance for People with Atrial Fibrillation [2022 Guide]

Atrial fibrillation, or AFIB for short, is an irregular heartbeat that can lead to heart disease and other complications. If you’re one of the many Americans with this condition, it’s important to have a burial insurance plan in place so your family won’t have to worry about paying for a funeral or final arrangements should you pass away unexpectedly.

In this post, we’ll discuss what burial insurance is and who needs it.

Final Expense Insurance For People With Atrial Fibrillation

Can I get life insurance with AFIB?

Atrial Fibrillation (AFib) in itself does not have harmful results. AFIB’s real serious threat would be the increased risk of stroke and heart failure. That’s why most insurance companies increase their prices for someone who has AFib.

Would being diagnosed with AFIB prevent me from getting coverage?

Finding affordable burial, final expense AFIB life insurance plans for someone with AFib can be very time-consuming being it is considered a pre-existing condition.

Imagine going all the way through all of the exhaustive underwriting questions that ask about AFib from different insurance companies, again and again— then only to be offered expensive monthly rates.

You don’t have to take it that way… let’s take a stroll down the easy street!

Now, imagine a team of independent insurance specialists that has access to the top-rated A+ insurance companies in the country…

Then they get back to you with a list of AFIB life insurance plans with the best quality at affordable rates— Sounds great, right?

That’s exactly what we do!

We here at InsuranceForBurial.com have access to industry-leading final expense insurance companies in the country and we know exactly which ones are going to give the best insurance coverage for Atrial Fibrillation.

We have helped a lot of people with AFib get the best and affordable insurance coverage and we certainly can help you too! In fact, AFIB is on our qualified health impairment list for instant same-day coverage!

Burial Or Final Expense Insurance Companies And Atrial Fibrillation

Let’s start with the bad news on this one

There are a lot of final expense insurance companies out there that are very strict with AFib that they will charge much more than other companies. AFib with other aggravating factors can even get you worse insurance plan offers that come along with a waiting time period.

It gets worse If your AFib resulted in something more serious like a full-blow stroke or mini-stroke— your application can be rejected or offer plans at outrageous payment rates.

Also, a lot of insurance agencies will also represent these kinds of AFIB life insurance companies that don’t even remotely close to having a decent policy for AFib.

Now, the good news

You’ve found us! We only represent the country’s top-rated A+ insurance companies. In addition, we will expertly assess which one will view your AFib situation the best and get back to you with offers at the lowest prices and with no waiting time period.

For instance, this means immediate insurance coverage starting from day 1— this is usually called “simplified”, “preferred”, or “level” type of plan.

We will make it simple and very easy for you in getting the best quality at rock bottom price.

More good news… by the way, there will be no physical or medical exam required in order to apply for low cost burial or final expense insurance coverage.

So, do insurance companies offer simplified insurance coverage right away? Well, not yet, you still need to go through an underwriting process.

Atrial Fibrillation Underwriting Of Final Expense Insurance Companies

In the underwriting process, insurance companies will ask about the following:

  1. Questions about your health and ask if you have other illnesses.
  2. Prescribed medication history Health questions

Keep in mind, if you’re planning to take on the hunt yourself on getting a final expense insurance plan, every insurance company will ask about AFib in their own different way and they won’t mention Atrial Fibrillation but they will ask it descriptively. Especially if you are taking more than one blood pressure medication and/ or blood thinner.

Examples of questions that describe AFib: Are you experiencing irregular heartbeats?

Are you experiencing rapid heartbeats without reason?

They will also ask about when you experienced or when you were diagnosed with AFib and if you were prescribed medications for it.

In correlation, you might also be asked if you were diagnosed with any stroke, what kind, and how many months it has been. Or if you require and assist with Activities of Daily Living, ADL’s.

There will be a lot of questions that have something to do with Atrial Fibrillation in various ways.

In answering these underwriting questions, it’s critical to answer with the help of our seasoned Final Expense Insurance Specialists that can expertly assist you with answering the questions tactically with the utmost truth to get you the best possible coverage plan.

More importantly, if you have other serious health issues along with AFib, our help in answering these underwriting questions will be crucial to what kind of insurance plans you will be offered.

AFIB And Life Insurance Carriers Underwriting

Above all, it is important to know how burial insurance carriers look at AFIB. In fact, knowing this will save you a lot of time. In addition, many agencies will not show you this. However, we feel strongly that you will trust us to put you in the right policy that suits you best.

Remember, some circumstances will warrant additional underwriting.

Aetna (Protection Series) If treated within 3 years, DECLINE
American Amicable (Senior Choice)Immediate
CVS (Aetna Accendo)Preferred
Foresters (PlanRight)Preferred
Guarantee Trust LifeGraded
Liberty BankersStandard
Lincoln HeritageIf treated within 2 years, Modified
Mutual of Omaha (Living Promise)If treated within 2 years, Graded. If diagnosed within 1 year, Decline
Prosperity (New Vista)Level
Prosperity (PrimeTerm to 100)PrimeTerm to 100
Royal NeighborsLevel
SentinelIf treated within 5 years, New Vantage II (Graded)
Trinity LifeLevel
***The above carriers in BOLD specialize in Atrial Fibrillation. These are the carriers we would match up first.

Companies That Do Not Ask About AFib In Any Way In The Underwriting

Now, there are a few burial or final expense insurance companies out there that do NOT ask for Atrial Fibrillation in any manner whatsoever. Yes!

These are the top-rated A+ insurance companies that we represent and they have coverage policies that can absorb the risks of Atrial Fibrillation.

With these top-tier insurance companies and with our help, you can easily be offered a simplified final expense insurance plan at the lowest cost with immediate insurance coverage starting from day 1.

We will review them all for you and shortlist the ones who will offer you the best coverage in every aspect when having AFib.

Remember: If you have other health conditions along with AFib, even depression, we need to know about it, because even the top-level AFIB life insurance companies that we represent will have other health conditions that they take issue with.

What we only need from you is a little bit of your time for your details.

Prescribed Medication History

Other insurance companies that red flag AFib will watch out for these medications.

If you take one or more of the following medications, carriers will consider you as someone who has AFib.

  • Amiodarone
  • Digitek
  • Digoxin
  • Lanoxicaps
  • Lanoxin

By reviewing the prescription history, insurance companies can discover serious health issues that might not have been answered correctly or truthfully in the underwriting health questions.

Important to remember: Insurance companies will look at your overall health condition such as being overweight or other health issues like Cystic Fibrosis.

If you have other serious health conditions that even top-tier insurance companies are strict about along with AFib, it will have an effect on the policies that you will be offered.

How To Find The Best Burial Or Final Expense Insurance For Clients With Atrial Fibrillation

How do I get burial insurance? You have already found us! And we are definitely confident in helping someone like you with AFib get the best possible coverage plan in the market today.

We have helped over 95% of our clients who came to us with AFib and they were happy with the quality of the policies we were able to secure for them.

We here at InsuranceForBurial.com are formed by a team of seasoned Final Expense Insurance Specialists with a great deal of experience that has a passion to find the best possible burial insurance policy no matter what their diseases are or health issues.

Our founder has over 26 years of experience helping clients and is licensed in 49 states. We only represent top-rated A+ insurance companies that offer excellent final expense insurance plans at affordable rates.

What we only need from you is a little bit of your time to know your details.

We have a masterful knowledge of the underwriting process and rates of the country’s best insurance companies, so with your details, we can absolutely tell you which company offers the lowest rates!

Talk to us now! We promise you a simple no non-sense interview process with no pressure.


With a burial insurance policy, you can rest easy knowing that your loved ones will have the funds they need to cover funeral costs. If you or someone close to you has atrial fibrillation and are looking for some peace of mind in case something goes wrong, we have an excellent selection of burial life insurance policies available. Contact our team today so we can help either get covered with life coverage or find out more about how this plan works!