2024 Purchasing Burial Insurance with Congestive Heart Failure

Having Congestive Heart Failure will not prevent you from being approved for first-day coverage as long as you get approved by the right companies.

Keep reading, and we will give you an overview of CHF burial insurance underwriting and how to get the best rate possible.


What Is Congestive Heart Failure?

Congestive heart failure (CHF), also known as heart failure, is a chronic condition that develops when your heart weakens and can’t pump blood as efficiently as it should. This can lead to a buildup of fluid in the lungs and other parts of the body.

Think of your heart as a pump that circulates blood throughout your body. When you have congestive heart failure, the pump weakens and isn’t able to keep up with the demand. This can cause blood to back up in the veins, leading to fluid buildup.

Congestive heart failure doesn’t mean your heart has stopped working entirely. It just means that it’s not working as well as it should. With treatment, you can manage congestive heart failure and live a long and fulfilling life.

Congestive heart failure (CHF) can make getting life insurance more challenging, but it doesn’t necessarily mean you’ll be denied coverage.

Can I Get Burial Insurance If I Have Congestive Heart Failure?

Yes, you can get burial insurance with  Congestive Heart Failure. You can even qualify for first-day burial insurance coverage with no waiting period if you are currently being treated and compliant with all of your doctor’s health and medical recommendations.

What Are The Types Of Burial Insurance Available To People With Congestive Heart Failure?

First-Day Coverage – This type of life insurance policy does not require a medical exam. You only need to answer a few health questions, and it has immediate coverage with no waiting period. 

Guaranteed Issue – This insurance has no medical exam and no health questions. Guaranteed issue life insurance policies are designed for people who may not qualify for traditional life insurance or whole life insurance due to serious health issues.

The downside of guaranteed issue whole life insurance is the two-year waiting period before the full death benefit is payable. During this waiting period, if you were to pass away, the policy would only pay out the premiums you have paid plus 7-10% interest (depending on the company).

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

If you’ve ever been diagnosed, received treatment, or advised to receive treatment and medication for  Congestive Heart Failure, your best burial insurance option should always be a first-day coverage plan.

If your physician has advised you to have a heart transplant due to your  Congestive Heart Failure, then your best insurance option is to get a guaranteed issue whole life insurance with a two-year waiting period.

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

You DON’T have to take a medical exam to qualify for burial life insurance for  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 get your medical records from your doctor or send in blood and urine samples.

With first-day coverage, you’ll often get approved by the insurance company within minutes!

What Is My Burial Insurance Rates If I Have Congestive Heart Failure?

The cost of burial insurance if you have  Congestive Heart Failure will depend on your:

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

Burial Insurance Underwriting If You Have Congestive Heart Failure

Burial insurance companies offering first-day coverage insurance have two ways of underwriting for  Congestive Heart Failure:

FIRST – You will be asked a series of health questions. Your answers to the application form questions will help determine your eligibility.

SECOND – The insurance company will electronically review your prescription history to verify your health.


You will often see CHF asked in the health questionnaire this way:

  • 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?
  • Have you been treated for or diagnosed as having Congestive Heart Failure or been advised to have an organ transplant?
  • In the past 10 years, have you opted not to seek treatment, have not taken medication, and or have not followed the prescribed treatment plan following a medical diagnosis by a member of the medical profession for Congestive Heart Failure, heart disease, or cardiomyopathy?


First-day coverage burial insurance companies will also verify your medical condition based on your medication history.

Prescribed Congestive Heart Failure (CHF) 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 consider you to be a Congestive Heart Failure patient.

Information We Need if You Have Congestive Heart Failure

When applying for final expense insurance with Congestive Heart Failure, we will ask you a series of health questions to assess your eligibility better.

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 heart condition?
  • 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 how advanced your Congestive Heart Failure is to be able to provide you with the best and lowest cost recommendation. The more information we get, the better our chances of finding the most affordable insurance coverage for you.

What If My Application Was Rejected Because Of Congestive Heart Failure?

If your insurance application was rejected in the past because of Congestive Heart Failure, we do our best to get you approved for first-day coverage life insurance by shopping multiple life insurance companies that accept applicants with health issues similar to yours.

Although we don’t recommend guaranteed acceptance life insurance, you can get it with no medical exam or health questions. You will be approved regardless of your health.

How to Get the Best Burial Insurance Rates with Congestive Heart Failure

The best way to get the most affordable life insurance with a Congestive Heart Failure diagnosis is to work with an independent life insurance agency like Funeral Funds. We will help you shop for burial insurance and compare the rates from different carriers to identify the best rate.

How To Apply For Burial Insurance With Congestive Heart Failure

  1. Consult with an Independent Insurance Agent – Ask for guidance from independent insurance agents specializing in underwriting for heart disease. They can help you understand your options, compare quotes, and choose the most suitable burial insurance plan.
  2. Complete the Application Honestly – When filling out the life insurance application, be truthful about your Congestive Heart Failure. Provide accurate details about your health, treatments, and any lifestyle changes you’ve made. 
  3. Review and Confirm Policy Details – Carefully review the policy terms before confirming your acceptance. Make sure the insurance coverage meets your needs and your budget.

How Can Funeral Funds Help Me?

Here at Funeral Funds, we specialize in getting 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. We’ll match you up with your best life 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 for 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Congestive Heart Failure Infographic

Frequently Asked Questions

Can I get life insurance for someone with Congestive Heart Failure?

Yes, however, you need their consent to get life insurance.

Can someone with Congestive Heart Failure get burial insurance?

Yes, you may even qualify for a first-day coverage plan, depending on your state of residence.

Can you get funeral insurance with CHF?

Yes, this type of plan doesn’t even require a medical exam.

Is Congestive Heart Failure an automatic decline?

No, however, the insurance company will consider your medical history when deciding on coverage.

Does life insurance pay out for heart failure?

Yes, however, the amount you receive will depend on your specific policy coverage amount.


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