Atrial Fibrillation

Arrhythmia of the aorta where it contracts chaotically.

Likely Underwriting Decision

New diagnosis or new finding on insurance exam must be declined. If heart disorder, it will be rated according to the cause

Well controlled PAF (paroxysmal atrial fibrillation) with minimal attacks: Standard

If there is no CAD or other underlying heart disease, average rating for CAF (chronic atrial fibrillation) is 150 to 175%

Factors Affecting the Decision

  • Date of diagnosis and age at onset
  • Age of applicant
  • Frequency of attacks
  • Fully investigated
  • Paroxysmal vs Chronic
  • Treatment
  • Complications from treatment (e.g., drug toxicity or hemorrhage from anticoagulant)
  • Any underlying heart disease
  • Complications (e.g., stroke or congestive heart failure)
  • Any concurrent impairment (e.g., history of alcohol abuse, CAD, valvular disease, TIA, or stroke)

Fast Track the App


Fast Track:

  • Copies of all cardiac investigations
  • Details of any prophylactic medication (e.g., blood thinners)
  • Outline any lifestyle modification
  • Current level of activity