Burial Insurance with Heart Failure (2024 Update)

Ready to score the best burial insurance with heart failure? If so, it’s all about finding the insurance carrier that gives your health a thumbs-up.

Burial insurance covers it all – burial, cremation, final expenses, funeral costs, or leaving a financial legacy.

If you prefer to keep reading, we’ve got more details on burial insurance for those with heart failure, or fill out our quote request form for immediate assistance and pricing information.

Can I Get Burial Insurance If I Have Heart Failure?

Answering YES or NO to this question depends on several factors. 

YES: You can absolutely get burial insurance even if you’ve got heart failure listed in your medical records. You might even land first-day coverage with zero waiting period, depending on your health and what’s available in your zip code.

NO: If you’re currently hospitalized, have had multiple hospital overnight stays in the past two years, or need help with basic daily activities, the answer might be a bummer.

What Are The Types Of Burial Insurance Available To Heart Failure Patients?

FIRST-DAY COVERAGE – This gem kicks in from day one. Your beneficiaries get the full death benefit immediately upon your passing. And here’s the kicker: it’s cheaper than guaranteed issue life insurance -as long as you choose the right insurance company.

GUARANTEED ISSUE LIFE INSURANCE – No medical exams, no health questions, no problem. You’re in no matter what.

The catch? A mandatory two-year waiting period with Guaranteed Issue. If you pass during that time, your beneficiaries only get your premiums plus a little interest (7-10%, depending on the company).

What Is My Best Insurance Option If I Have Had Heart Failure?

If you’ve been diagnosed with, treated for, or told to get treatment and meds for heart failure, your go-to should be a first-day coverage plan.

One particular company offers this first-day coverage if you haven’t been hospitalized more than twice in the past two years. If that’s you, and the plan’s available in your zip code, you’re all set for first-day coverage.

But if your doctor says you need a heart transplant, you’re looking at guaranteed issue whole life insurance with a two-year waiting period. But, if your heart transplant was more than five years ago, some companies might welcome you back to the first-day coverage club.

Do I Need A Medical Exam To Qualify For Burial Insurance?

Nope, no medical exams, blood tests, or pee samples are needed to get approved for these policies.

The best first-day coverage plans might ask a few health questions, but with the right company, these won’t stop you from getting stellar coverage at top-notch rates. Often, you’ll get the green light from the insurance company within minutes!

If you want to skip the health questions altogether, you can get guaranteed issue life insurance with a two-year waiting period (but we don’t recommend it!)

What Is The Cost Of Burial Insurance If I Have Heart Failure?

The cost of burial insurance with heart failure hinges on a few things:

• Age
• Coverage amount
• Gender
• General health
• State of residence
• Smoking status
• Type of policy

Here’s a pricing example for a stylish 60-year-old female with heart failure:

Here’s a pricing example for a confident 60-year-old male with heart failure:

Burial Insurance Underwriting If You Had Heart Failure

Here’s the scoop on what some insurance companies ask about heart failure on the application:

• Have you been treated for or diagnosed, or has been hospitalized for stroke, heart attack, heart failure, cardiomyopathy, heart or circulatory surgery?
• Have you ever been diagnosed with, or received, or been advised to receive treatment or medication for congestive heart failure or any type of heart or circulatory surgery?
• Within the past 24 months, have you been medically diagnosed as having or been treated or hospitalized for heart attack, heart disease, circulatory surgery, or any procedure to improve circulation to the heart?
• In the past 10 years, have you opted not to seek treatment, have not taken medication, or have not followed the prescribed treatment plan following a diagnosis of heart failure or heart disease?

Common heart failure medication include:

• Apresoline
• Bisoprolol
• Bumetadine
• Captopril
• Carvedilol
• Digoxin
• Edecrin
• Eplerenone
• Hydralazine
• Furosemide
• Imdur
• Isordil
• Lisinopril
• Losartan
• Metolazone
• Metoprolol
• Nitrobid
• Sacubitril
• Spironolactone
• Torsemide

If you’re popping a mix of these meds, insurance companies might peg you as a heart failure patient.

Companies Care If You Have Had Heart Failure?

Because heart failure is usually chronic and gets worse over time. Life insurance companies know it can lead to other serious issues like heart attacks, organ failure, brain damage, and, yep, death.

Information We Need if You Had A History Of Heart Failure

To get you the best plan and pricing, we might ask:

1. Do you have high blood pressure?
2. Do you have a high cholesterol level?
3. Do you have treatments for your heart failure?
4. What are the medicines prescribed to treat your condition?
5. What health issue may have caused your heart failure?
6. What test have you had recently regarding your heart failure?
7. When were you diagnosed with heart failure?

What If My Application Was Rejected Because Of Heart Failure?

If you’ve been turned down before, team up with an independent agency like Funeral Funds. We know the ins and outs of multiple companies’ guidelines and can snag you a better plan with the lowest rates.

With access to over 20 insurance companies, we can help you find a heart-friendly policy, saving you time and hassle during the application process.

How to Get First-Day Coverage With A History Of Heart Failure

The slickest way to get first-day coverage burial insurance with heart failure? Team up with an independent agency like Funeral Funds. Our savvy agents compare top companies and hook you up with the best plan at the best price.

How To Apply For Burial Insurance With Heart Failure

1. Consult with an Independent Insurance Agent – Seek guidance from agents from Funeral Funds who know the ins and outs of underwriting for heart failure. They’ll help you understand your options, compare quotes, and choose the perfect burial insurance plan.
2. Complete the Application Honestly – When filling out the application with our agent, spill the truth about your heart failure. Lay out all the details about your health, treatments, and any lifestyle changes you’ve made.
3. Review and Confirm Policy Details – Give the policy terms a good once-over before signing. Make sure the coverage aligns with your needs and budget.

How Can Funeral Funds Help Me?

At Funeral Funds, we’re pros at getting life insurance for those with heart failure.

We partner with numerous A+ rated insurance companies that specialize in high-risk clients. We’ll scour these companies to find you the best rate and match you with the ideal life insurance option.

We’ll help you get the coverage you need at a price you can afford. Looking for burial insurance for heart failure? We’ve got you covered. Fill out our quote form on this page or call us at (888) 862-9456 for spot-on burial insurance quotes.

Frequently Asked Questions

Is heart failure a pre-existing condition?

Absolutely, heart failure and other health issues are definitely considered pre-existing conditions.

What will my premium be if I have heart failure?

Your premium will depend on several factors, including your age, gender, state, health, policy amount, and the available plans in your zip code.

Can I get a policy with no medical exam if I have heart failure?

You bet! Most companies don’t require a medical exam for their life insurance products.

Do I need to tell insurance about my heart failure?

Yes, you’ve got to be straight-up about all your current and past health issues. No hiding!