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The Effect of Atrial Fibrillation on Life Insurance Costs
There are about over 2 million American citizens who are suffering from atrial fibrillation. This is a heart condition wherein the heart produces a rapid and irregular rhythm. Further complications like stroke can also occur in some cases. This happens when the blood remains in the chambers of the heart. The tendency is, it would spread and clot, and when it is finally pumped out from the heart, it can go straight to a brain artery, which leads to stroke.

The risk of having this kind of delicate heart condition gets high as they age. In fact, about 3 to 5 percent of Americans who are beyond the age of 65 have this kind of disorder. There are actually several ways on how to prevent the irregular beating of the heart like taking in medications, electrical cardioversion, radiofrequency ablation, surgery or by making use of atrial pacemakers. Concerned individuals may not feel alarmed yet since there are variety of medical treatments. But how about those who are planning to apply for a life insurance?

It is true that http://giblinandcombslaw.com having a heart rhythm abnormality can affect the rates of life insurance. How? There are a lot of risk factors involved in this condition, which the policy companies look closely into before they approve policy applications. Some of the conditions that are considered to be risk factors are hypertension, age, diabetes, congestive heart failure, family history and obesity.

Policy companies really take their time to evaluate those who have atrial fibrillation. It is very important that they have a more controlled heart condition, if not, then they will have a hard time getting a rate that they can afford. These companies will also http://attorneyamate.com look into their medical records, specifically the doctor's notes and medical tests. In order to get the best rate, it would also help if they will visit their physician regularly in order for the companies to assess their risk with optimum accuracy.

Those who have AF but with no family history of any kind can easily qualify for a standard policy and with the chance to get it in a much better rate. The company can assume that they experience minimal number of AF episodes in a year, say like 2 to 3 times only. In order to make sure that they can get the best possible rate, they can also present an echardiogram that will prove that they pass the standards and they have a low risk of finding themselves in a more situation.

Those who are experiencing irregular beating of the heart ten times in a year are considered to have a chronic condition. In this situation, even if they don't have family history they can expect to get a policy rate that range between 150% to 200%. If their atrial fibrillation is much worse than this, then the can expect a much higher rate and in majority of the cases, they will get turned down by policy companies. While those with permanent AF are declined coverage right away.





 
 
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