Holter monitor is a portable device worn by a patient to continuously record heart rhythm, typically over 24 to 48 hours, to detect arrhythmias that may not appear during a brief in-office ECG. It helps diagnose palpitations, syncope, atrial fibrillation, and other rhythm disturbances. For underwriting, Holter reports provide detailed information on frequency and type of arrhythmias, heart-rate variability, and any associated symptoms, influencing risk assessment for cardiac conditions.

Underwriters request Holter monitor reports when applications disclose palpitations, fainting episodes, or known arrhythmias. They review summaries for significant events such as sustained ventricular arrhythmias or high-burden atrial fibrillation. Benign findings may support favorable decisions, while serious arrhythmias often trigger ratings or declines. Advisors help clients obtain complete cardiology records, including Holter data, to avoid delays. Understanding Holter monitors enables advisors to explain why carriers ask for extended rhythm monitoring and how results may shape underwriting outcomes.