How To Buy Burial Insurance with Atrial Fibrillation In 2024

Buying burial insurance with atrial fibrillation may seem overwhelming, but rest assured there are many options options for you. We will go over everything you need to know.

Atrial fibrillation, or AFIB for short, is an irregular heartbeat that can lead to underlying 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.

What is Atrial Fibrillation Life Insurance?

Atrial Fibrillation Life Insurance is a type of life insurance that pays you a death benefit if your policyholder (the insured) dies from an unexpected cardiac arrest.

If you have Atrial Fibrillation, the company may pay out a death benefit in addition to the other benefits they offer.

Atrial fibrillation (AFib) is a type of irregular heart rhythm that can cause blood to flow in the wrong direction.

An abnormal electrical conductivity causes it in the heart’s upper chambers, which makes the heart beat too fast and with an irregular pattern.

Atrial fibrillation is a common arrhythmia that can occur at any age, although it tends to occur more frequently in older individuals.

Different Types of Atrial Fibrillation:

  • Paroxysmal Atrial Fibrillation (PAF) and
  • Persistent Atrial Fibrillation (P-AF).

PAF is a type of afib that is characterized by different recurrences of AFib episodes separated by periods with no symptoms. Persistent Atrial Fibrillation occurs when episodes continue to occur regularly despite treatment.

Symptoms of Atrial Fibrillation:

Atrial fibrillation is a rapid, irregular heartbeat that can cause shortness of breath and chest pain.

  • Pain and pressure in your chest
  • Short of breath
  • Confused
  • Dizzy
  • Blood thinners
  • Faint
  • High blood pressure
  • blood clots
  • Sweaty
  • Tired
  • Weak

In what ways does Atrial Fibrillation affect life insurance?

It is common for insurance companies guaranteed issue to accept an application for Life Insurance with an Atrial Fibrillation history.

However, the terms will depend on the severity of the attack, the frequency of treatment, and the other conditions related to it, as well as the severity and frequency of the attacks.

Final Expense Insurance For People With Atrial Fibrillation

Can I get life insurance with AFIB?

Atrial Fibrillation in itself does not have harmful results. AFIB is seriously life-threatening and has a high risk of stroke and heart failure. That’s why most insurance companies increase their prices for someone who has AFib.

Would being diagnosed with atrial fibrillation 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.

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 have helped a lot of people with AFib get the best and affordable life 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 life insurance application can be rejected or offer plans at outrageous best rates. It is still a good idea to check with your life insurance agent to see if your type of heart disease will still be considered by your plan.

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 insurance plan.

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

Do I need A Medical Exam Getting Approved for Life Insurance If I Have Atrial Fibrillation?

When you have atrial fibrillation, you don’t need to take a medical exam for burial insurance.

There are only a few health questions you have to answer when applying for life insurance. You don’t need to bring medical records, blood, or urine samples.

You’ll receive official approval from the insurance company within minutes!

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 medical history Health questions

Keep in mind, if you’re planning to take on the hunt yourself on getting a final expense insurance plan, every term life 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 more than 12 months. 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 life insurance 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.

Carrier Underwriting
Aetna (Protection Series) If treated within 3 years, DECLINE
American Amicable (Senior Choice) Immediate
CVS (Aetna Accendo) Preferred
Foresters (PlanRight) Preferred
GCU Standard
Guarantee Trust Life Graded
Liberty Bankers Standard
Lincoln Heritage If 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 Neighbors Level
Sentinel If treated within 5 years, New Vantage II (Graded)
Trinity Life Level

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.

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 problems 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.

What Are The Benefits Of Burial Insurance With Atrial Fibrillation

Financial Protection: 

Burial insurance is a type of life insurance that pays out a lump sum upon the insured person’s death or their beneficiaries if they are not the insured person’s spouse. The benefit is usually paid in cash to the beneficiary or directly to whomever they designated as the beneficiary during the policy purchase.

Cash Surrender Value:

It gives you a lump sum payout when you die, which can be used for any purpose.

No Medical Expenses: 

In many cases, burial insurance does not include medical coverage for your funeral expenses.

It means that if you have significant medical expenses after your death, such as those associated with cancer treatment or other serious illnesses, your beneficiaries will pay these costs directly from the cash surrender value of your burial policy.

Flexible Payment Options: 

You can choose how much money will be paid out to you after your death and how much will be paid directly to whomever you designate as a beneficiary in your will or living trust.

You may also choose whether or not there is any pre-existing condition exclusion in place so that many people have been diagnosed with heart disease.

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

How do I get the best 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 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 concerns.

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.

We have a masterful knowledge of the underwriting process and the best life insurance 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.

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Q: Is a medical exam required to obtain burial insurance with atrial fibrillation?
A: This depends on the policy. Some burial insurance policies, especially guaranteed issue life insurance, do not require a medical exam, even for those with atrial fibrillation.

Q: Can burial insurance cover other expenses besides funeral costs?
A: Yes, while primarily intended to cover funeral expenses, any remaining funds from a burial insurance policy can be used to settle debts, medical bills, or other final expenses.

Q: Are there age restrictions for obtaining burial insurance with atrial fibrillation?
A: Most burial insurance policies have an age range for eligibility, often up to 85-90 years, but this can vary by insurer. Your age and health condition, including atrial fibrillation, can influence your options.

Q: What is the typical waiting period for a burial insurance policy to take effect?
A: Waiting periods can range from immediate coverage to two years, depending on the policy and the insurer. Policies for individuals with atrial fibrillation might have specific conditions for the waiting period.

Q: How do I ensure my burial insurance policy remains active?
A: To keep your policy active, it’s crucial to pay premiums on time and keep your insurer informed of any major changes in your health or personal information.


With a burial life 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 you either get covered with life coverage or find out more about how this plan works! Get a quote today!

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