Atrial fibrillation (AFib) is a heart rhythm disorder in which the atria beat irregularly and often rapidly, disrupting normal blood flow and increasing the risk of blood clots, stroke, and heart failure. AFib may be paroxysmal (intermittent), persistent, or permanent, and can be associated with underlying conditions such as hypertension, valvular disease, sleep apnea, or cardiomyopathy. Treatment often includes rate or rhythm control medications, anticoagulation to reduce stroke risk, and sometimes procedures like cardioversion or ablation. For life and disability insurers, atrial fibrillation is a significant cardiovascular risk factor, with underwriting outcomes heavily influenced by age, control, associated disease, and history of embolic events.

Underwriters evaluate atrial fibrillation using cardiology notes, EKGs, echocardiograms, and Holter monitor reports. They look at onset age, frequency of episodes, control of heart rate, anticoagulation status, and any history of stroke or TIA. Well'controlled paroxysmal AFib without major complications may be insurable at rated terms, whereas chronic AFib with heart failure, poor control, or prior embolic events may lead to heavy ratings or declines. Advisors working with clients who have AFib gather detailed cardiology records and set realistic expectations about possible outcomes. They may also consider guaranteed'issue or simplified'issue options when fully underwritten coverage is not available. Understanding atrial fibrillation helps advisors talk knowledgeably with underwriters and clients about risk drivers and documentation needs.