The Truth About Life Insurance With Congested Heart Failure - PinnacleQuote

The Truth About Life Insurance With Congested Heart Failure

I want to share with you some of my personal experiences when it comes to life insurance, and hopefully help everyone understand what is the best choice for them. I have congestive heart failure which means there’s a chance that I could die soon. When I was asked if I wanted to get life insurance, my answer was no because it seemed like too much money for something that may or may not happen. However, after doing more research on the subject with an unbiased third party who specializes in this field, and understanding just how important it is to know your options when planning for the future – especially as we age – then being able to make a decision about whether or not you need life insurance becomes clearer.

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Buying life insurance if you have congestive heart failure or any other pre-existing heart condition can be challenging. However, you can still obtain life insurance with congestive heart failure depending on where you’re looking.

For most life insurance companies, accepting patients with congestive heart failure is usually problematic because congestive heart failure and heart disease are regarded as severe medical conditions.

The good news is: you can still obtain life insurance if you know just where to look, that is, locate the right insurance company.

For most insurance companies, applicants are often required to wait for a period of at least one year after diagnosis and/or treatment so as to get a better idea of how their condition is progressing.



Shopping for life insurance for congestive heart failure can be daunting. It is common for the majority of people with CFH to get consistently declined by insurance companies.

This is due to the fact that they are not applying for the right type of policy given their pre-existing condition.  If you apply for life insurance that has medical underwriting, there is every possibility that you’ll be declined.

Since receiving protection depends heavily on one’s current health standing, a condition like congestive heart failure complicates the whole process. However, yes you can get life insurance for Congestive heart failure.

The type of policy received by people with such heart condition is called – Guaranteed issue Life Insurance. With a guaranteed issue policy, you do not need to deal with any medical exams, health questions, or the lengthy application process.

Also known as NO-QUESTION life insurance which means there are zero medical questions on the application, the policy is intended for people with high-risk pre-existing conditions. The main features of guaranteed issue life insurance policies across all carriers include:

  • No medical questions or exams
  • Guaranteed acceptance
  • Fixed monthly premiums
  • Guaranteed death benefits
  • Accrual of cash value
  • No expiration date (you can outlive it)
  • Has a required graded period

The only factors considered when applying for a guaranteed life insurance policy include:

  • You must be a United States Citizen
  • You must be between the ages of 40 – 85
  • Must be within the state you applied

For patients with congestive heart failure, guarantee issue life insurance is the simplest, easiest, and blatant method in receiving life insurance.


Heart disease or cardiovascular disease refers to conditions characterized by defects in the blood vessels causing blockage around those vessels, thereby leading to a heart attack, chest pain (angina), or stroke. It can also be described as a collection of diseases and conditions that cause cardiovascular problems.

In the United States, heart disease is the leading cause of death based on a study conducted by the Centre for Disease Control and Prevention (CDC). The study revealed that 1 out of 4 deaths is as a result of a heart condition, that is approximately 610,000 people losing their lives to heart diseases every year.

The risk factors for heart disease include: high blood pressure, obesity, high cholesterol, smoking, and inactivity, and a staggering 47% f Americans are at risk of heart disease. More so, almost half of the American population is at risk of heart disease, and sadly, the numbers keep increasing.

While heart disease is deadly, it can be prevented by most people through the adoption of healthy living. Consequently, finding life insurance for certain heart conditions have become quite crucial in the United States.

The good news is; you can get life insurance for heart disease but you just have to take the right steps. There is usually a high chance of getting turned down for the bigger and best rates but you can still get something simple that does pay for all you need. There are better ways of improving your chances of being approved.

This is by following the doctor’s instructions, taking your medication, and choosing a healthy diet along with exercising. As this improves your life expectancy rate, it also improves your life insurance rates because premiums are directly tied to risk and mortality. Keeping yourself healthy can improve your chances of getting life insurance.

Subsequently, if you get turned down for term life insurance, all is not lost. There are still insurers that will approve your policy. Such policies are often referred to as Guaranteed Life Insurance or Simplified Life Policies.

These types of policies may be more expensive, have a graded death benefit, and may not provide as much coverage as you would like, but at least it offers you some life insurance coverage to protect your family.


CAD affects over 15.8 million people in the United States and 8 million of those people often develop a heart attack. Since coronary artery disease is the single cause of death, it is an issue that life insurance companies must deal with on a regular basis.

Treating CAD is a lifetime process that needs to be maintained for the rest of your life. Lifestyle changes make up the first steps to prevention and treatment. The next level of treatment involves prescription medications while the third involves surgery.

Insurance plans are available at every level of treatment regardless of if the coronary artery disease is mild, moderate, or severe. Underwriters usually consider the age factor in the life insurance product that you may qualify for. The younger you are, the more likely you’re able to find coverage at lower rates.

Also crucial is the severity of the disease. Insurance policies often consider how many arteries are affected, the fewer the arteries affected, the better. Are the arteries clogged? All these are factors considered by insurers.

Applicants who get approvals for their life insurance are usually those who are older in age with fewer arteries affected, proper maintenance, and no recurring symptoms.

However, most applicants end up with substandard life insurance rates after coronary artery disease due to complications of the disease (like heart attacks and cardiac arrhythmias) and the probability of atherosclerosis elsewhere in the body.


Coronary artery disease also called CAD develops when the major blood vessel that carries blood to your heart becomes damaged or diseased.  It is a serious condition caused by a build-up of plaque in your coronary arteries, the blood vessel that transports oxygen-rich blood to the heart.

The arteries are normally smooth and elastic but when plaques build up in their inner walls, it can make them stiff and narrow. This slows down blood flow to the heart muscle and prevents it from getting the right amount of oxygen it needs.

The major symptoms of coronary heart disease include but not limited to: weakness or dizziness, aching, fullness, heaviness around the chest, burning, pressure, numbness, and so on.


Getting life insurance for infants and non-adults is a difficult process and most parents face this difficulty. Life insurance policies for children with congenital heart disease may hard to find but there are ways you can go about it.

Children with pre-existing health conditions who fall into the hard to insure category can get dependant life coverage included in the group benefits plan of their parents. Moreover, many plans offer a life insurance benefit for dependent spouses and children in the life insurance portion of the plan.

When searching for the appropriate life insurance company with congenital heart disease, it is important that you consult an experienced and knowledgeable agent who knows which companies out of over 1200 life insurance companies in the United States specialize in underwriting these conditions.

This will not only help save hundreds or thousands of dollars over the life of your policy but will also save you the rigors of searching for the right insurer.


Congenital heart disease or congenital heart defect is a heart abnormality present in infants at birth. This defect usually affects; the heart walls, the valves, and the blood vessels.

A study carried out by the Centre for Disease Control affirmed that there are over 1 million adults and 1 million children living with congenital heart disease in the United States. Treatments and follow-up care for the disease have improved drastically over the past few decades, thus the chances of children making it to adulthood have improved considerably.

While some might need continuous care all throughout their lifetime, others go on to have an active and productive life despite their condition.


Congested heart failure is a condition where the left ventricle of your heart can’t pump blood at normal pressure. Its typical symptoms include shortness of breath, chest pain, and fatigue. If you think that congested heart failure sounds like something to worry about, we get it! That’s why you should be sure to contact us for all your life insurance needs before anything happens – just in case. Get an instant quote online or over the phone by dialing one of our agents now at 1-855-380-3200.