Hello,
It is more likely that you symptoms are due to the beginning of a heart problem than a menopausal symptom. The points in favour of a heart problem is your age, your weight and that you have a positive family history of a heart problem. Palpitations triggering off a cough is one of the first symtoms of a heart problem.
I realise that you would feel better if you were to be told that your symptoms are due to premenopause, but i am afraid that the truth remains that this is unlikely.
Please consult an MD in medicine or a Cardiologist rather an an OB-gyn for a more accurated diagnosis.
I hope this helps.
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Experienced in the management of Pregnancy,Infertility,Menopause and all problems in Pregnancy and Gynecology