The Truth About Burial Insurance With Congestive Heart Failure

The Truth About Burial Insurance With Congestive Heart Failure

February 15, 20249 min read

Do you suffer from a chronic illness such as congestive heart failure? You might be in danger of drowning in debt if this is the case. You can purchase burial insurance to give your loved ones security and comfort as they handle the arrangements following your demise.


A Complete Guide to Burial Insurance For Congestive Heart Failure

Can someone with congestive heart failure purchase life insurance? The truth is that only a few highly regarded insurance providers can provide CHF patients with affordable burial insurance.

Whatever the severity of your ailment, there will always be an affordable insurance option.

With burial or final expense insurance plans that are created to absorb the risks of anyone with CHF at very reasonable prices, we at have access to some of the nation’s top-rated insurance providers.

What about life insurance for my congestive heart failure parents? We have assisted countless people with CHF in finding the greatest coverage option available. We can definitely assist you!

“The REALITY of how burial insurance companies deal with CHF…”

Unfortunately, because of the extremely high risk of survival, almost all insurance companies will deny coverage to someone who has CHF.

The horrifying reality is that many insurance companies lack insurance coverage that can handle the significant risks that CHF involves.

Thankfully, there are a few highly regarded insurance firms that will accept CHF candidates without a waiting period and with slightly higher costs.

These top-tier insurers are able to provide “Graded” plans, which are burial insurance policies with instant partial benefits.

Given the risks, a graded plan is by far the best choice since you receive immediate coverage starting on day one even though you are only partially protected.

And never forget that promises that we can always get you covered, regardless of how severe your CHF is.

We only have access to the nation’s top-rated insurance providers, so you can be sure you’re getting the best offer available, period.


CHF Underwriting Process Of Final Expense Insurance Companies

Is it possible to obtain life insurance for someone with congestive heart failure? Insurance companies will examine your medical history and ask you questions about your health as part of the underwriting process. Inform your agent if you have been given a congestive heart failure diagnosis by a doctor. They will connect you with the appropriate carrier while maintaining your eligibility for last expense insurance.

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

The health inquiries from burial insurance firms will inquire about life style, tobacco use, alcohol usage, and major diseases, treatments, or procedures.

Generally speaking: To put it succinctly: If something is asked, it is significant to them. In fact, they might be okay with it provided it isn’t asked for or addressed.

Health Questions with CHF

An extremely dangerous condition is congestive heart failure. The leading cause of death in the nation for both men and women is heart disease, which includes conditions like coronary artery disease, congenital heart disease, myocardial infarction or heart attack, among others.

None of the insurance companies will not inquire about CHF when evaluating applicants’ health.

To underline, you will always be asked if you have ever been diagnosed with or treated for CHF because the condition is chronic and progressive without a cure.

If you continue on with us…

Now, if you choose to work with us, we will have a cordial phone talk regarding the specifics of your CHF (and other diseases that you may have)

Simply provide your information so we can review all of the best insurance providers.

your CHF status is ideal. This implies that you can unwind while we do the legwork to locate you the best insurance provider.

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’ll also inquire about your previous use of prescription drugs.

Your responses must, of course, be completely honest in order for us to evaluate each insurance provider fairly and determine which will provide the best value.

CHF And Other Related Pre-Existing Conditions

As you are aware, heart-related illnesses including Atrial fibrillation, needing stents or pacemakers, and CHF are all pre-existing conditions.

Make sure you set up a policy when you have any heart-related condition, such as an irregular heartbeat, a heart attack, or if you have a family history of CHF.

It must be kept in mind that tomorrow is not certain!

To put it another way, your family is the one who benefits from final expense insurance. in order to shield them from the cost. Because of this, everything you do today will safeguard them tomorrow.

Prescribed Medication History Assessment

Insurance companies will examine your history of prescribed medications to determine if you have any more dangerous ailments. Basically, simply being aware of the drugs that have been recommended to you.

They can also find out if you have any health problems.

Most of the time, doctors will recommend many drugs to treat CHF.

The most typical combos, which can be hard on your kidneys, are blood pressure drugs and diuretics, or water pills.

The typical combination therapies for CHF are listed below:


  • 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, you should not be concerned if you are prescribed some of these meds but do not have CHF.

We will also resolve this with reputable insurance providers who do not have a protocol for drug combinations alone to strictly rely on when determining if 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

You are therefore considered to be at the highest risk.

In actuality, the waiting period can last up to 36 months and the monthly premiums will be at their highest. All of your payments will be reimbursed with modest interest if you pass away at any point during the waiting period.

Therefore, this is typically referred to as a “modified” plan.

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

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

A graded strategy will be the best option for CHF, this much is true. In actuality, this will only be provided by one insurance provider.

The most realistic increase with a chronic illness like CHF is between 15% and 40% more than what a person in excellent health would pay.

To be clear, throughout the time period listed below, you will be instantly entitled to a portion of your total death benefit:

  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

It’s crucial to understand that you need to pick a company that has connections to the exclusive group of highly regarded insurance providers who can confidently offer CHF burial or final expense insurance coverage.

When looking for CHF burial insurance, the insurance company you would need to work with must also possess the attributes listed below.

  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 firm with a team of highly skilled Final Expense Insurance Specialists who have access to the top-rated A+ insurance companies in the nation and who only offer premium burial insurance policies with cutting-edge additional benefits offered at no additional cost.

Additionally, we are driven by a mission to guarantee that EVERYONE has access to the best final expense insurance coverage available! regardless of how grave, ill, or incapacitated their conditions may be.

We are experts when it comes to any reputable burial or final expense insurance provider that we represent, including their underwriting requirements and pricing.

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.


Congestive heart failure patients often are not eligible for burial insurance. There are only a few well regarded companies that provide competitively cost coverage for people who need funeral insurance due to their CHF. Request a quotation right away to see if we can assist!

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