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Getting Life Insurance with Heart Palpitations

Researcher & Writer
August 10, 2017

Have you been diagnosed with heart palpitations?  Are you wondering if this diagnosis is going to affect your chances of qualifying for a traditional term or whole life insurance policy? Or as you just worried that you may now have to pay more for your coverage than someone who hasn’t been diagnosed with heart palpitations?


If this describes you, then you’ve come to the right place.  You see, here at TermLife2Go, we specialize in helping individuals like yourself qualifying for traditional life insurance policies and believe that the best way for us to help you find the “best” life insurance policy that you can qualify for is to make sure that you’re an informed consumer!  So, without further ado, let’s dive right into it.

What are Palpitations?

Have you ever felt your heart “flutter”? Or has the beat of your heart suddenly seemed to race faster than normal? These changes in the heart beat, however temporary, are known as palpitations.

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What triggers palpitations?

There are a lot of things that can trigger heart palpitations, but here are some of the more common reasons they happen:

  • Too much caffeine, marijuana or nicotine
  • Taking asthma or inhaler medications
  • Pregnancy
  • Menopause
  • Fever
  • Strong emotions
  • Anxiety
  • Stress
  • Cough or other medications (see the side effects of any medication you are taking when you feel palpitations)

Are heart palpitations ever a sign of something serious?

Yes, though it’s not that common. However, if you feel heart palpitations regularly, you could have:

  • Hyperthyroidism
  • Arrhythmia
  • Tachycardia
  • Bradycardia

Getting Life Insurance with Palpitations.

Palpitations are more of a symptom than a sickness. Because of this, whenever you are considering how to get life insurance with palpitations, it’s important to look at the cause of your palpitations. What triggered them?


You have had palpitations once or only a few times, then it’s unlikely to be a sign of something “more”. As stated, there are a lot of harmless reasons for getting momentary palpitations from time to time. If you have had palpitations due to any of these reasons, then you will still qualify for life insurance.

You may even get a preferred rate.

This of course depends on how everything else checks out. If you are pretty healthy and show no signs of any major risk factors, then it’s entirely possible that you will qualify for a preferred rate with heart palpitations. Remember: before you are underwritten for a term or whole life insurance policy, life insurance companies will do a thorough check, including:

  • Medical check up
  • Blood work
  • Urine tests

You will have to have normal blood pressure, regular cholesterol levels, and no alarming health problems.


If you have a more serious condition such as arrhythmia or hyperthyroidism, then your potential life insurance company will want to know about that. They will then give you a rate based on that. Most of the problems that can cause heart palpitations are controllable, so you aren’t totally ruled out from life insurance and still may even get a preferred rate.

If you suffer from hyperthyroidism…

But have had your thyroid removed and now all is well, then you have a great chance of getting a life insurance policy at a great rate.

If you have arrhythmia…

You can still qualify for life insurance so long as you haven’t been hospitalized and have had no real “episodes”.

But remember…

Each of these cases are unique. Not all life insurance companies will gauge the “risk factor” of any of these health problems in the same manner.
For example:

Life insurance company 1 may judge all arrhythmia in the same manner.

Life insurance company 2 may see tachycardia and bradycardia as two different scenarios. Life insurance company 2 may also understand that not all people with arrhythmia suffer it to the same degree.


There’s a lot to think about and to understand about the offerings of various life insurance companies.

That’s why…

We can’t just write you a list that says “If you have palpitations due to pregnancy, apply here.” And “If you have palpitations due to arrhythmia, apply here.” That would be super simple…unfortunately getting life insurance isn’t that black and white!

We need to know more about YOU!

TermLife2Go can help just about every individual find great life insurance for their situation. We can only do this, however, if we get to know YOU and your circumstance. We never offer blanket one-size-fits-all recommendations. We only offer personalized recommendations based on your needs and situation.


If you want to know which life insurance company is best for your palpitations and other health situations, then you need to give us a call. Once we talk with you and know your situation, then we can turn to our extensive experience working with folks who have been diagnosed with pre-existing medical conditions and the life insurance industry.

We work with dozens of life insurance companies…and we know there is a policy out there just for you! We have no motivation to recommend you a policy that’s not really great – our only objective is to find you the “best” life insurance policy that you can qualify for!

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We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.