The Truth About Burial Insurance With Congestive Heart Failure

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Do you have a chronic disease like congestive heart failure? If so, then you may be at risk of being buried with debt. You can buy burial insurance to protect your loved ones and provide peace of mind as they take care of the arrangements after your passing.


A Complete Guide to Burial Insurance For Congestive Heart Failure

Can I get life insurance with congestive heart failure? The truth is, there are only a couple of top-rated insurance companies that can offer reasonably priced burial insurance for anyone who has CHF.

No matter how severe your condition is, there will always be an insurance plan that won’t cost you an arm and a leg.

We here at have access to the country’s top-rated insurance companies with burial or final expense insurance plans that are designed to absorb the risks of anyone who has CHF at very affordable rates.

What about final expense insurance for my parents with Congestive heart failure? We have helped countless folks with CHF get the best possible coverage plan there is… we can certainly help you!

The REALITY of how burial insurance companies deal with CHF

The sad reality with CHF is that almost all insurance companies will decline anyone with this chronic disease because of the very high-risk survivability.

The awful truth is that a lot of insurance companies do not have insurance plans that can absorb the high risks that CHF entails.

Now, thank goodness that there are a few top-rated insurance companies that will extraordinarily accept CHF applicants with a waiting period at slightly increased premiums.

These top-tier insurers can offer burial insurance with immediate partial benefits- which is called a “Graded” plan.

Considering the risks, a graded plan is very much the greatest option because although you’re partially insured, you have immediate coverage starting on day one.

And always remember that no matter how severe your CHF is, we here at guarantees that we can always get you covered.

What makes us worth contacting is that we only have access to the country’s top-rated insurance companies, so you’re guaranteed to get the best deal anywhere, period.

CHF Underwriting Process Of Final Expense Insurance Companies

Life insurance for someone with congestive heart failure, is it possible? In the underwriting process, insurance companies will ask health questions and review your history of prescribed medications. If you were diagnosed by a physician with congestive heart failure, let your agent know. You will still qualify for final expense insurance and they will put you with the right carrier.

In the underwriting process, insurance companies will ask about the following:

  1. Questions about your present and past diseases (if there are any) and lifestyle.
  2. Prescribed medication history assessment.

Also, you will not be required to undergo any medical exams or submit any kind of medical records. We will just simply have a friendly conversation about your details on the phone, no pressure at all!

The Truth About Underwriting Health Questions With CHF

Burial insurance companies’ health questions will ask about serious diseases, treatments or procedures, tobacco use, alcohol consumption, and lifestyle.

As a general rule: In a nutshell, If something is asked, it means it is serious for them. In fact, if it’s not asked or mentioned, they are probably fine with it.

Health Questions with CHF

Congestive heart failure is a very serious disease. Along with other heart diseases like coronary artery disease, congenital heart disease, myocardial infarction or heart attack, etc. are the number one cause of death in the country for men and women.

There is not a single insurance company that will not ask about CHF in their underwriting health questions.

To emphasize, with CHF being chronic and progressive without a cure, it will always be asked if you ever have been diagnosed or treated for CHF.

If you move forward with us…

Now, if you decide to move forward with us, we will have a friendly conversation over the phone about your details about having CHF (and other diseases that you may have)

We simply need your details to review every top-rated insurance companies that will view

your situation with CHF the best. This means you can just relax and we will do the hard work for you in finding the best insurance company for you.

In general, here are the questions that we will ask you about CHF:

  1. How long have you had CHF?
  2. What other health conditions do you have?

We will also ask about your prescribed medication history

Now, needless to say, your answers must be nothing but the truth so that we can accurately assess every insurance company that will offer the best deal possible.

As you know CHF is a pre-existing condition along with any heart-related conditions including Atrial fibrillation, and needing stents or pacemakers.

When you experience any heart-related condition from an irregular heartbeat, heart attacks, or having a family history of CHF, you want to make sure you put a policy in place.

Must be remembered, tomorrow is not a guarantee!

To put it differently, final expense insurance is for your family. To protect them from the financial burden. For this reason, what you do today, protects them tomorrow.

Prescribed Medication History Assessment

Insurance companies will review your prescribed medication history to find out if you have other diseases they find serious. Basically, by knowing what medications you have been prescribed.

Also, they can discover any health issues that you might have.

In the vast majority of cases, doctors will prescribe multiple medications to manage CHF.

In fact, the most common combinations are blood pressure medications and water pills (diuretics), which can put a strain on your kidneys.

Here are the common multiple medications for CHF:


  • BiDil (Hydralazine / Isosorbide dinitrate)
  • Inamrinone
  • Inspra (Eplerenone)
  • Milrinone
  • Natrecor (Nesiritide)
  • Primacor (Milrinone)

Additionally, below is another set of medication combinations that will strongly suggest to insurance companies that you have CHF.


  • Bumetanide (Bumex)
  • Demadex (Torsemide)
  • Edecrin, Sodium Edecrin (Ethacrynic Acid)

Now, there are prescription combinations that will conclusively indicate that you have heart failure to some insurance companies.


  • Furosemide (Lasix)
  • Microzide (Hydrochlorothiazide)

Hypertension/Cardiac Medications:

  • Coreg (Carvedilol)
  • Valsartan (Diovan)
  • Qbrelis, Zestril, Prinivil (Lisinopril)
  • Lopressor (Metoprolol)

Now, if you do not have CHF and you are prescribed some of these medications, you don’t need to be worried.

In addition, we will sort this out with top-rated insurance companies that do not have a protocol for drug combination alone to strictly rely on when concluding that a person has CHF.

Possible burial or final insurance plan offers for CHF

Offer #1 Application will be declined

A common response from a lot of insurance companies that have CHF and other high-risk diseases in their blacklist.

Offer #2 Highest premium with a full waiting time period

This means that you are categorized at the highest risk.

As a matter of fact, the monthly premiums will be at the highest and the waiting time period can be as long as 24 to 36 months. If you pass away anytime within the waiting time period, all of your payments will be refunded with some interest.

In other words, this is usually called a “modified” plan.

Good to know: You should consult with independent Final Expense Insurance Specialists (like us) to assess if this will be the best option, there are other different burial insurance plans for CHF that may be much better than a modified plan.

Finally, Offer #3 Graded plan (The best offer for CHF)

With CHF, a graded plan will be the best offer there is, this is the truth. In fact, there is only one insurance company that will offer this.

Indeed, you will pay around 15 to 40% higher than what a perfectly healthy person would pay and that is the most reasonable increase with a chronic disease like CHF.

To clarify, you will be immediately entitled to a percentage of your full death benefit in the following time frame:

  1. First-year starting on day 1 – Your beneficiaries will receive 40% of your full death benefit.
  2. Second-year – 75% of your full death benefit can be received.
  3. Third-year onwards – The full death benefit (100%) can be received by your beneficiaries if you pass away.

These are ALL of the existing possible burial or final expense insurance offers from insurance companies out there.

How To Find The Best Burial Or Final Expense Insurance For Congestive Heart Failure

Important to realize, that you need to find an agency that has access to the few top-rated insurance companies that can assertively offer burial or final expense insurance policies for CHF.

Equally important the insurance agency that you would need to move forward with must have the following qualities when it comes to finding burial coverage for CHF:

  1. The agency must be independent to have access to a lot of different insurance companies that can possibly offer the best coverage.
  2. To emphasize, the agency must have insurance agents that are highly experienced burial or final expense insurance specialists that have the passion to help you! Specifically, not the companies.
  3. Certainly, the agency only offers the best policies from the country’s top-rated insurance companies that have stood the test of time in the insurance industry with stable finances and a proven track record.

We here at can honestly and absolutely claim to have these qualities!

We have helped a lot of folks who are dealing with CHF secure the best existing burial insurance plan in the market and they did not pay a small fortune for it.

We are an independent insurance agency with a team of highly experienced Final Expense Insurance Specialists that has access to the country’s top-rated A+ insurance companies that only offers top-tier burial insurance policies with innovative additional benefits at no extra cost.

Moreover, we have the driving passion to make sure that EVERYONE gets the best burial or final expense insurance coverage in the market! No matter how sick, disabled or severe their conditions are.

We have a masterful knowledge of the underwriting questions and rates of every top-rated burial or final expense insurance company that we represent.

What we only need from you is a little bit of your time to know your current situation so we can accurately help you achieve your burial insurance goals.

Talk to us now! We promise you a simple no-nonsense interview process with no pressure at all whatsoever.

For more information on CHF, CLICK HERE.


Burial insurance is not typically offered to those who have congestive heart failure. If you need burial insurance because of your CHF, there are only a couple of top-rated companies that offer reasonably priced coverage for these individuals. Get a quote today and see if we can help!