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Life Insurance with Heart Palpitations. Everything You Need to Know at a Glance!

In this article, we wanted to take a moment to answer some of the most common questions we get from folks applying for life insurance with Heart Palpitations.

Questions that will be addressed will include:

  • Can I qualify for life insurance if I have been diagnosed with Heart Palpitations?
  • Why do life insurance companies care if I’ve been diagnosed with Heart Palpitations?
  • What kind of information will the insurance companies ask me or be interested in?
  • What rate (or price) can I qualify for?
  • How can I help ensure I get the “best life insurance” for me?

So, without further ado, let’s dive right in!

Can I qualify for life insurance if I’ve been diagnosed with Heart Palpitations?

Yes, individuals who have been diagnosed with Heart palpitations can and often will qualify for a traditional term or whole life insurance policy. Many may even be eligible for a no-exam life insurance policy at a Preferred Plus rate! The problem is that even though the medical community and life insurance industry consider most heart palpitations harmless in some cases, they may be symptoms of a more significant underlying pre-existing medical condition that could be quite serious.

Why do life insurance companies care if I’ve been diagnosed with Heart Palpitations?

As we just stated, the main reason most of the best life insurance companies are likely to “care” if you’ve been diagnosed with Heart palpitations is that, in some cases, having one is just one of many symptoms that could signify “other” more significant cardiovascular diseases. 

For this reason, we wanted to take a moment to discuss “heart palpitation” and highlight some of the most common symptoms associated with this disease so that we can better understand what a life insurance underwriter will be looking for when deciding on your application.

Heart Palpitations Defined:

Heart Palpitations are experiencing a fast, fluttering, or pounding heartbeat. This “feeling” can be quite troubling or problematic; however, in most cases, heart palpitations are considered harmless.

In most cases…

Suffering from a Heart Palpitation won’t cause any “significant” symptoms other than an irritating “flutter.” However, should one begin to experience any of the following symptoms, they should seek medical care immediately. Symptoms such as:

  • Dizziness or lightheadedness,
  • Weakness,
  • Fainting or loss of consciousness,
  • Confusion or difficulty concentrating,
  • Etc…

Common causes may include:

  • Strenuous exercise,
  • Stress,
  • Anxiety,
  • Tobacco or nicotine usage,
  • Side effects of certain medications,
  • Illicit drug use,
  • Etc…

Heart Palpitations may also be symptomatic of:

“This brings us to an important point we think we ought to mention.”


If you have a medical issue, don’t use the internet to diagnose yourself. After all, if you do and you’re correct, you’ll still need to see the doctor, and if you’re wrong, the time you spend being your doctor could harm yourself!


Nobody here at IBUSA is medically trained; we’re certainly not doctors. We are all a bunch of life insurance agents who just happened to be good at helping individuals find and qualify for the life insurance they’re looking for. So please don’t mistake any of the medical information we discuss as medical advice because it’s not!

We’re just trying to “prep” you for what it might be like to apply for a life insurance policy after you have been diagnosed with a Heart Palpitation… that’s it! This brings us to our next topic, which is…

What kind of information will the insurance companies ask me or be interested in?

When applying for life insurance, you will typically be asked to provide detailed information about your medical history, including any history of heart palpitations. The insurance company may ask you to provide the following information:

  1. Date of onset: The insurance company will want to know when you first experienced heart palpitations, as this will help them understand your condition’s duration and severity.
  2. Symptoms: The insurance company will want to know your symptoms, including chest pain, shortness of breath, or lightheadedness, as a result of your heart palpitations.
  3. Diagnosis: The insurance company will want to know how your heart palpitations were diagnosed, whether through a physical examination, electrocardiogram (ECG), or other diagnostic tests.
  4. Treatment history: The insurance company will want to know what treatments you have received for your heart palpitations, including medications and other therapies. They will also want to know your medicines’ dates and outcomes.
  5. Prognosis: The insurance company will want to know your heart palpitations’ prognosis, which is a prediction of the likely course of the condition and your chances of recovery. Your prognosis will be based on the severity of your condition, your treatment history, and other factors such as your age, overall health, and lifestyle.

It’s important to be honest and transparent when providing this information to the insurance company, as providing false or misleading information on your application could result in your policy being denied or terminated.

What rate (or price) can I qualify for?

As you can see, many variables can come into play when determining what kind of “rate” an individual diagnosed with heart palpitations might qualify for. This is why it’s pretty much impossible to know what kind of “rate” you might be able to qualify for without first speaking with you directly. That said, however, most individuals diagnosed with Heart Palpitations will usually fall into one of two categories that we can make some “assumptions” about that will generally hold true.

Category #1.

It will consist of those who have developed heart palpitations due to some physical condition that is likely to pass or could be for no discernible reason. In cases like these, we’ll generally find that most life insurance companies don’t necessarily use a Heart Palpitation diagnosis as a factor during the underwriting process.

This means that in some cases, someone might qualify for a preferred rate if they meet all the other requirements.

Category #2.

It will consist of individuals who suffer from some “pre-existing medical condition” that has caused them to develop a Heart Palpitation. In cases like these, we’re generally going to find that the underlying pre-existing condition, not the Heart Palpitation symptom, is going to determine what kind of “rate” you’ll be able to qualify for. For more information about the condition causing you to suffer from a heart palpitation and how it may affect the outcome of your life insurance application, we recommend that you look at our Pre-Existing Medical Conditions page.

The good news is…

Regardless of your situation, we here at IBUSA can help because we have tons of experience helping folks with pre-existing medical conditions like yours. We are committed to helping all our clients find the “best” life insurance policy they can qualify for. This brings us to the last topic that we wanted to take a moment and discuss, which is…

How can I help ensure I get the “best life insurance” for me?

In our experience here at IBUSA, we have found that usually, the folks who seem to see the “best” life insurance policy for them are those that:

  • Take their time reviewing their options.
  • Ask a lot of questions.

Seek out those life insurance agents who not only have experience working with individuals who have been diagnosed with a wide variety of pre-existing medical conditions but also have access to dozens of different life insurance companies so that when it comes time to help a more “challenging” case, they don’t have to rely on a…

“One size fits all approach!”

The good news is that this is precisely what you’ll find here at IBUSA!

Now, can we help out everyone previously diagnosed with Heart palpitations?

No, probably not. But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many of the Best Burial Life Insurance Companies as well so that if someone isn’t able to qualify for a traditional life insurance policy, chances are there may be some other “type” of product that you CAN qualify for.

So, if you’re ready to explore your options, call us!

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