Can You Get Life Insurance If You Have Heart Failure? [Options + Tips]

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life-insurance-with-heart-failure

Life Insurance After Heart Failure

Heart failure unquestionably falls under the category of high-risk life insurance and can be difficult for even the most aggressive life insurance company to cover.

Life insurance with any heart condition is going to require a few more steps than a normal life insurance application.

That’s for sure.

Can you get life insurance if you have heart failure? Yes, you can get life insurance if you have heart failure. If your heart failure is stable and mild, you’re improving your health with diet and exercise, and you’re beyond 1 year from diagnosis, you can receive standard rates!

 Admittedly, people with heart failure face unique challenges when getting life insurance.

That’s why we recommend you begin by comparing rates with all of the top-rated life insurance companies.

You can compare rates easily below using our free rate engine tool below to display rates with over 50 of the most reputable life insurance companies in the country.


Our article will share everything you need to know about how to get life insurance if you have heart failure.

However, feel free to use any of the links below to skip ahead to specific sections of this post:

3 Tips to Get Life insurance with Heart Failure

What Life Insurance Companies Look For With Heart Failure

Best Companies to Get Life Insurance with Heart Failure

Options if You’re Declined for Life Insurance with Heart Failure

Final Thoughts on Getting Life Insurance with Heart Failure

3 Tips to Get Life insurance with Heart Failure

Heart failure is a serious condition that affects many Americans, but getting life insurance with heart failure does not need to be complicated.

The tips that we layout in this post will improve both your chances and speed of getting life insurance after heart failure.

Tip 1: Work with a High-Risk Life Insurance Broker

Life insurance with heart failure is not a case for a rookie agent freshly licensed or your local Farmers life insurance agent who can only sell one company.

Life insurance and heat failure is a job for an expert high-risk life insurance broker.

Pro tip: Life insurance brokers don’t work for a life insurance company; they work WITH life insurance companies get you the best deal that they can.

As veteran high-risk life insurance brokers, we help clients find affordable life insurance with pre-existing conditions daily with over 25 top-rated life insurance companies.

Tip 2: Give your Broker as Much Information as Possible

Getting life insurance with heart failure can range from a standard rate to a decline.

A life insurance underwriter will look at your heart failure carefully to determine its severity, so having a copy of your medical records and prescriptions can significantly speed up the process.

Your cardiologist may tell you that you’re in great health, but your medical records may tell a different story about your heart failure in the opinion of the life insurance underwriter.

The life insurance underwriter will want to see your medication history, EKGs or echocardiogram results, and your doctor’s notes on your progress before considering an offer.

Additionally, requesting medical records is the largest bottleneck in the life insurance process.

Pro Tip: Waiting for medical records is the number 1 delay in life insurance underwriting. Having a copy of your medical records can save you weeks or more in waiting.

No joke, some doctor’s offices can take weeks or more to deliver medical records to an insurance company.

Even worse, some life insurance companies will not give you a copy of your medical records if they decline you.

This means that if we need to get a second opinion from another life insurance company, that you may need to start all over again!

You can usually request a copy of your medical records for a small fee from your cardiologist, but having access to your records may save you weeks or more of waiting to get covered.

Tip 3: Make Lifestyle Changes to Improve your Health

Life insurance companies want to see that you are making permanent lifestyle changes to improve your health after a heart failure diagnoses.

Doctor’s will often recommend that you change your diet, lower your cholesterol, and frequently exercise to improve your overall health.

Additionally, quitting smoking or tobacco can not only improve your health but your chances of being approved for life insurance with heart failure at an affordable rate.

Finally, be sure that you are in strict compliance of all recommendations from your cardiologist by taking your medications regularly and completing all tests and follow-up visits.

What Life Insurance Companies Look For With Heart Failure

Life insurance companies will base their decision to approve your for life insurance with heart failure based on the severity and location of the condition.

Heart failure and life insurance are nuanced because there are often other underlying conditions that are a root cause of your heart failures, such as coronary artery disease or myocardial infarction.

Anytime you are purchasing life insurance with heart disease, you will be asked a few additional questions.

Additionally, the underwriter will want to know if your heart failure is still present and its severity.

Life insurance companies will look at a number of factors to determine how severe your heart failure is by the amount of blood it can pump to the rest of your body measured by ejection fractions.

As your heart’s pumping power weakens, you face a higher risk of death.

Once you get to the point where you experience congestive heart failure (when fluid builds up around the heart to further reduce its pumping efficiency), your health is critical.

However, if you can catch heart failure before it gets to the later stages, you increase your chances of being approved for coverage and extending your life expectancy.

Making positive lifestyle changes can help stabilize your heart failure with medication, but sometimes you need hard data to make your case.

In some instances, getting a letter from your cardiologist attesting to your improved health or taking a recent EKG to demonstrate your progress.

In a worst-case scenario, we can always ask for a second opinion from another life insurance company.

Best Companies to Get Life Insurance with Heart Failure

If you are going to work in the high-risk life insurance space, then you need to work with the best life insurance companies.

Not every life insurance company views risk the same, but one thing for sure is that you don’t want to skip the exam for this unless you’re looking for burial insurance.

As veteran high-risk life insurance brokers, we have compiled a shortlist of companies that we like to go to that will take a nuanced look at your heart failure.

Best Life Insurance Companies with Heart Failure

If you are only looking for enough coverage to pay for your final expenses, burial insurance may be an easier option for you to get life insurance after heart failure.

Good news is that burial insurance companies will not require you to take a medical exam to get life insurance if you have heart failure.

The bad news is that burial insurance companies will look at your medications with greater scrutiny.

Best Burial Insurance Companies with Heart Failure

Options if You’re Declined for Life Insurance with Heart Failure

If you are declined for life insurance after heart failure, there are other options for you.

There are guaranteed issue life insurance companies that will issue up to $25,000 of death benefits without any medical questions at all.

These policies have a modified death benefit in the first 2-years that return your premiums plus interest instead of paying the full death benefits.

After the modified period is over, the policy will pay the full death benefit like any other insurance policy.

While guaranteed issue life insurance is good for final expenses, if you need higher amounts of coverage, you may need to supplement it.

Accidental death insurance doesn’t have medical underwriting and is an affordable alternative to life insurance to cover you for fatal catastrophic accidents.

Final Thoughts on Getting Life Insurance with Heart Failure

It is absolutely possible to get life insurance after heart failure.

Making lifestyle improvements such as quitting smoking, diet, and exercise can improve not only your health but your life insurance rates as well.

Work with a professional high-risk life insurance broker who works with the best life insurance companies for heart failure.

Working with an expert can be the difference between securing affordable coverage and getting declined and leaving your family unprotected.

Take a look at our websites quote tool to easily compare the rates of the top life insurance companies for heart failure.