2023 Purchasing Burial Insurance with Congestive Heart Failure
Trying to qualify for burial insurance with Congestive Heart Failure (CHF) can be stressful, and stress is the last thing you need when you have CHF!
However, having a history of congestive heart failure will not prevent you from being approved for coverage at an affordable rate.
If you have congestive heart failure and you are considering applying for a burial insurance policy, keep reading and we will give you an overview of CHF burial insurance underwriting and how to get the best rate possible.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Congestive Heart Failure?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Congestive Heart Failure, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Congestive Heart Failure
- How Much Insurance Do I Need If I Have Congestive Heart Failure?
- How Should I Pay My Premiums?
- Congestive Heart Failure and Burial Insurance Riders
- Information We Need if You Have Congestive Heart Failure
- How to Get the Best Burial Insurance Rates with Congestive Heart Failure
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Congestive Heart Failure
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Congestive Heart Failure
What Is My Best Insurance Option If I Have A History Of Congestive Heart Failure?
If you’re ever diagnosed, received treatment, or advised to receive treatment and medication for congestive heart failure within the last 24 months your best burial insurance option is a first-day benefit plan.
Best Option: First-day benefit plan
You will be covered from the first day and your death benefit will be phased in over time.
What Types Of Burial Insurance Should I Avoid?
PLANS TO AVOID | WHY? |
---|---|
Term life | Premiums increase after 5 years. Coverage ends after 80. |
Pre-paid funeral plans | Expensive |
Universal life | Tied with stocks |
No health questions policies | With 2-year waiting period |
Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
Over priced plans | Insurance from TV and junk mail |
Plans that accept mail-in payments | Risky |
Plans that accept Direct Express | High lapse rate |
Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
---|---|
1st Day Coverage | YES |
Rates NEVER Increase | YES |
Coverage NEVER Decreases | YES |
Easy to get approved | YES |
No Medical Exam | YES |
Same Day Approval | YES |
Death Claims Pay Fast | YES |
Builds cash value | YES |
Coverage Up To Age 121 | YES |
If I Have Congestive Heart Failure, Do I Need A Medical Exam To Qualify For Burial Insurance?
You are NOT required to take a medical exam to qualify for burial insurance with congestive heart failure.
When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.
You’ll get the official approval from the insurance company often within minutes!
Burial Insurance Underwriting If You Have Congestive Heart Failure
Burial insurance companies have two ways of underwriting:
FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – They will electronically review your prescription history to verify your health.
HEALTH QUESTIONS:
Every life insurance company wants to know if you have congestive heart failure. You will often see them ask about CHF in the health questionnaire.
- Have you been treated for or diagnosed as having congestive heart failure or been advised to have an organ transplant?
- Have you ever been diagnosed, treated, or taken medication for congestive heart failure (CHF) or heart failure?
- Have you ever been diagnosed with, or received, or been advised to receive treatment or medication for congestive heart failure?
PRESCRIPTION HISTORY CHECK:
Burial insurance companies will verify your medical condition based on your medication history.
Prescribed Congestive heart failure medication can include:
- Apresoline
- Bumetadine
- Captopril
- Carvedilol
- Digoxin
- Eplerenone
- Furosemide
- Imdur
- Isordil
- Lisinopril
- Losartan
- Metolazone
- Metoprolol
- Nitrobid
- Spironolactone
- Torsemide
If you’re taking any of these medications, the insurance carriers may view you as a congestive heart failure patient.
We have burial insurance companies that do not mind if you are taking these medications. They will issue a policy regardless of whatever prescription combination you take.
How Much Insurance Do I Need If I Have Congestive Heart Failure?
The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.
The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.
Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.
AVERAGE FUNERAL COST WITH VIEWING AND BURIAL | |
---|---|
Non-declinable basic services | $2,300 |
Removal/ transfer of remains to funeral home | $350 |
Embalming & preparation of the body | $1,050 |
Use of facilities for viewing & funeral ceremony | $965 |
Hearse | $325 |
Service car/van | $150 |
Basic memorial printed package | $183 |
Metal casket | $2,500 |
Vault | $1,572 |
Median Cost of a Funeral With Viewing and Burial | $9,420 |
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
---|---|
Non-declinable basic services fee | $2,300 |
Removal/ transfer of remains to funeral home | $350 |
Embalming & preparation of the body | $1,050 |
Use of facilities for viewing & funeral ceremony | $965 |
Service car/van | $150 |
Basic memorial printed package | $183 |
Cremation fee (if firm uses a third-party crematory) | $368 |
Cremation Casket | $1,310 |
Urn | $295 |
Median Cost of a Funeral with Viewing and Cremation | $6,970 |
Rental Casket | $995 |
Alternate Cremation Container | $150 |
How Should I Pay My Premiums?
The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.
Congestive Heart Failure And Burial Insurance Riders
Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.
Here’s a list of common burial insurance riders:
FUNERAL FUNDS ADD-ONS | AVAILABILITY |
---|---|
Terminal Illness Add-On Benefit | Included with most plans |
Nursing Home Care Add-On Benefit | Included with most plans |
Information We Need If You Have Congestive Heart Failure
When applying for final expense insurance with congestive heart failure, it is important to provide us much information as possible.
We will ask you a series of health questions to get a better idea of your condition.
These questions include:
- When was your congestive heart failure diagnosed?
- What health issue may have led to your diagnosis?
- What are the medicines prescribed to help with your issues?
- What test have you had recently and what were the results?
- What treatments are being used, and is your condition stable?
We need to know your medical condition to be able to provide you with the best recommendation. The more information we get, the better our chances of finding affordable insurance coverage.
How To Get The Best Burial Insurance Rates With Congestive Heart Failure
Congestive heart failure is a severe medical condition, but do not let your health prevent you from getting affordable burial insurance.
The best way to get the best burial insurance rates for congestive heart failure is to work with an independent life insurance agency like Funeral Funds. We will help you shop for burial insurance then compare the rates from different carriers to identify which one offers the best rate.
Benefits Of Burial & Funeral Insurance
Here are some of the benefits of purchasing a burial or funeral policy:
- No medical exam or doctor’s visit required – easy to get approved.
- Ease of issue – easy to qualify and get insurance coverage.
- No Money Down to get approved – have your policy start whenever you want.
- Level premium – your premium will never increase.
- Fixed death benefit – your death benefit will never decrease for any reason.
- Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
- Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
- Cash value builds up – burial insurance is a whole life policy that builds cash value over time.
Other Common Uses For Final Expense Life Insurance With Congestive Heart Failure
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with congestive heart failure
- Cremation insurance plan with congestive heart failure
- Funeral home insurance plan with congestive heart failure
- Final Expense insurance plan with congestive heart failure
- Prepaid funeral plan insurance with congestive heart failure
- Mortgage payment protection plan with congestive heart failure
- Mortgage payoff life insurance plan with congestive heart failure
- Deceased spouse’s income replacement plan with congestive heart failure
- Legacy insurance gift plan to family or loved ones with congestive heart failure
- Medical or doctor bill life insurance plan with congestive heart failure
We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.
How Can Funeral Funds Help Me?
Here at Funeral Funds, we specialize in obtaining life insurance coverage for people with congestive heart failure.
We work with many A-rated insurance companies that specialize in high-risk clients. We will search those companies to give you the best rate ever. We’ll match you up with your best insurance option.
We will assist you in securing the coverage you need at a rate you can afford. So, if you’re looking for burial insurance with congestive heart failure, we can help. Fill out our quote form on this page or call us at (888)862-9456 to get accurate quote burial insurance quotes.

Additional Questions & Answers On Burial Insurance With Congestive Heart Failure
What’s the meaning of congestive heart failure?
Congestive heart failure (CHF) is a condition in which the heart can’t pump enough blood to meet the body’s needs. This can cause fluid to build up in your lungs, ankles, and feet.
What are the signs of congestive heart failure?
The most common signs of congestive heart failure are shortness of breath, fatigue, and swelling in your legs and ankles.
Can congestive heart failure be cured?
There is no cure for congestive heart failure, but it can often be managed with medication and lifestyle changes.
What detects CHF?
The most common way to detect congestive heart failure is by taking a physical exam and listening to your heart. Your doctor may also order tests such as an echocardiogram, chest X-ray, or blood tests to help diagnose the condition.
Can you get life insurance on someone with congestive heart failure?
Yes, you can get life insurance for someone with congestive heart failure. However, your best option is a first-day benefit plan.
What is the average lifespan for someone with congestive heart failure?
The average lifespan for someone with congestive heart failure varies depending on the severity of the condition. In general, however, most people with CHF live for several years after being diagnosed.
What are the risk factors for congestive heart failure?
Some of the most common risk factors for congestive heart failure include high blood pressure, coronary artery disease, and diabetes.
Is there any way to prevent congestive heart failure?
There is no sure way to prevent congestive heart failure, but by living a healthy lifestyle and keeping your blood pressure and cholesterol levels under control, you can reduce your risk of developing the condition.
Is heart failure a pre-existing condition?
Yes, heart failure is a pre-existing condition. This means that it will be considered when you are applying for life insurance.
Can someone with heart disease get burial insurance?
Yes, someone with heart disease can get burial insurance. However, the best option is a first-day benefit plan. This type of plan does not require a medical exam.
Can you get life insurance with pre-existing conditions?
Yes, you can get life insurance with pre-existing conditions. However, the plan you will qualify for will depend on your general health.
Can you get funeral insurance with CHF?
Yes, you can get funeral insurance with congestive heart failure. However, your best option is a first-day benefit plan. This type of plan does not require a medical exam.
How do insurance companies determine pre-existing conditions?
Insurance companies determine pre-existing conditions by reviewing your medical history. This information is used to create a health profile for you. If you have a condition that is considered pre-existing, the insurance company will charge you a higher premium or may not offer you coverage at all.
Is congestive heart failure an automatic decline?
No, congestive heart failure is not an automatic decline. However, the insurance company will consider your medical history when making a decision about coverage.
Does insurance cover heart problems?
Yes, insurance companies typically cover heart problems. However, the specific coverage you receive will depend on your general health.
Is congestive heart failure a disability?
No, congestive heart failure is not a disability. However, it can often cause you to be unable to work. This may impact your ability to get disability benefits.
How do you get life insurance with heart disease?
The best way to get life insurance with heart disease is to apply for a plan that does not require a medical exam.
Can a heart patient buy final expense life insurance??
Yes, a heart patient can buy final expense life insurance. However, the best option is a plan that does not require a medical exam.
What is considered heart disease?
There are many different types of heart disease, but they all involve some type of damage to the heart. This can include problems with the valves, muscle, or electrical system of the heart.
Is congestive heart failure a terminal illness?
No, congestive heart failure is not a terminal illness. However, it can often lead to death.
Is heart disease the number 1 killer in the US?
Yes, heart disease is the number 1 killer in the US. It is responsible for more than 600,000 deaths each year.
How long can a person live with Stage 4 congestive heart failure?
A person with Stage 4 congestive heart failure can often live for several years. However, the condition is often progressive and will eventually lead to death.
Is congestive heart failure a death sentence?
No, congestive heart failure is not a death sentence. However, it can often lead to death.
Who is at most risk for heart disease?
There are many different factors that can increase your risk for heart disease, including age, gender, family history, and lifestyle choices. However, the most at-risk group is people who have diabetes.
Can a person with heart disease get life insurance?
Yes, a person with heart disease can often get life insurance. However, the plan you qualify for will depend on your general health.
What should you not do if you have congestive heart failure?
There are many things you should not do if you have congestive heart failure, including smoking, drinking alcohol, and overexerting yourself. You should also talk to your doctor about any medications you are taking.
Is congestive heart failure a disability?
No, congestive heart failure is not a disability. However, it can often cause you to be unable to work. This may impact your ability to get disability benefits.
Do you need to be hospitalized for congestive heart failure?
No, you do not need to be hospitalized for congestive heart failure. However, you may need to see a doctor regularly to monitor your condition.
Which drug can prolong survival in patients with CHF?
There is no one drug that can prolong survival in patients with congestive heart failure. However, many different medications can be used to help manage the condition.
How long do you usually live with congestive heart failure?
The prognosis for congestive heart failure varies from person to person. However, most people will live for several years after being diagnosed.
Which is the drug of choice for the treatment of congestive heart failure?
There is no one drug that is the drug of choice for the treatment of congestive heart failure. However, many different medications can be used to help manage the condition.
What is the life expectancy after CHF?
The life expectancy after congestive heart failure varies from person to person. However, most people will live for several years after being diagnosed.
What is the leading cause of death in patients with CHF?
The leading cause of death in patients with CHF is often sudden cardiac arrest. However, other causes of death include stroke and pneumonia.
Is CHF permanent?
No, congestive heart failure is not permanent. However, it can often be a lifelong condition.
Can I get cremation insurance if I have congestive heart failure?
Yes, you can often get cremation insurance if you have congestive heart failure. However, the plan you qualify for will depend on your general health.
Does life insurance pay out for heart failure?
Yes, life insurance often pays out for heart failure. However, the amount you receive will depend on your specific policy.
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2 Comments
Jacob Cook
I am interested in getting some Burial Insurance
Funeral Funds
Jacob – Use this free quoter form – https://funeralfunds.com/free-quote/