Quick answer · Congestive heart failure
Which life insurance fits someone with congestive heart failure?
Congestive heart failure is a knockout question on nearly every simplified issue application, so guaranteed issue whole life is the realistic path for most applicants. A small number of carriers will consider a graded product when the diagnosis is old, mild, and stable. Fully underwritten coverage is not a practical target.
Which coverage paths can you discuss with a licensed agent?
- 1
Guaranteed issue whole life
Any active CHF diagnosis, medication, or hospitalization history.
- 2
Graded benefit whole life
An older, mild diagnosis with no recent treatment and a carrier that asks about a shorter look-back.
- 3
Accidental death coverage as a supplement
Adds benefit alongside a small guaranteed issue policy when a larger amount is wanted.
Which coverage limitations should you check?
Term life and any fully underwritten permanent policy will almost always be declined.
When can life insurance coverage start?
Guaranteed issue starts immediately with a two-year benefit ramp. Guaranteed issue whole life asks no health questions and cannot decline you within its age band, but it pays a return of premium plus interest instead of the full benefit if you pass away in the first two years from natural causes.
Frequently asked questions
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions and product availability are set by each carrier and vary by state, age, and health history.