Do I need to disclose an attack of atrial fibrillation that happened 6 years ago when applying for life insurance? 
If the life insurance application is asking that question about heart disease or heart trouble , you do need to disclose the details of your atrial fibrillation . You are correct that your premiums will not be as low as if you had not had attacks of atrial fibrillation over the past 6 years . But if you were to withhold that information and passed away next month , your family would not receive the life insurance they thought you were leaving for them . You can still get a low premium ; it just wo n't purchase as much life insurance as if you had perfect health . Contact a good impaired risk life insurance specialist such as our agency to help you . 