Life Insurance with Congestive Heart Failure

Obtaining life insurance with Congestive Heart Failure (CHF) depends heavily on how much information is available to evaluate your risk. In general, the more information available, the better chance you have of getting better rates.

Underwriters want to see EKG’s and current stress tests with Ejection Fractions. If you haven’t had these tests done recently, get them done before applying for life insurance. If there’s no recent information, you’re looking at a decline. Underwriters want to know you’re actively taking control of your CHF.

Congestive Heart Failure is underwritten based on what condition or disease has lead to the symptoms of CHF, what attempts you’ve made to treat the condition and how well treatment has worked.  Newly diagnosed cases of CHF are often postponed or declined pending evaluation for cause. Once a cause is known, life insurance underwriting will be based on the severity of symptoms and documented treatment successes for the condition.

A “Standard” life insurance health rating is possible (but VERY rare) with very mild heart disease where the heart’s effectiveness is stable and near normal. The heart’s effectiveness is usually measured via the Ejection Fraction (EF). The EF measures how much blood volume is pumped effectively with each heartbeat. Ejection Fraction measures of 55% and higher can often be underwritten at Standard rates, if the condition is stable.

Table 2-Table 4 ratings are more common though. Especially if you’re under age 60 with Ejection Fractions less than 55%.

Table 4-Table 6 ratings will be likely if you’re Ejection Fraction is in the 40%-50% range.

If your Ejection Fraction is below 40%, but the underlying cause has been successfully treated and documented recovery is well underway with an increasing EF you may qualify for a Table 8 rating.

Anything not being successfully treated with an EF of below 50% will be a decline and you are only eligible for graded death benefit plans.

Most people with CHF get declined for life insurance because they take the approach of apply and “let’s see what happens”. Proper case preparation for CHF cases is a must. Here’s what we need to know:

  • Date of Diagnosis
  • What condition has been diagnosed that lead to CHF? (Atrial Fibrillation, Cardiomyopathy, Heart Valve Disease, High Blood Pressure, Hyperthyroidism, Myocarditis, etc…)
  • Approximate dates of the following (and were results normal)? Resting EKG, Stress EKG, Echocardiogram, Chest X-Ray
  • Current Ejection Fraction of the most recent Stress EKG?
  • All medications currently taken?
  • Any immediate family pass away from heart disease prior to age 60?
  • Any other underlying health issues?

With this information we can assess your congestive heart failure and give you an accurate rate. Anyone who doesn’t ask these questions is just guessing.

CHF Life InsuranceA very important part of applying for life insurance (that most agents fail to do) with Congestive Heart Failure is finding underwriting credits. By underwriting credits, we mean things like healthy eating, exercise, no family history of heart disease, non-smoker or any information that would help an underwriter lean toward a better health class rating.

Life insurance applications don’t ask this information. We ask you these questions because we volunteer it to the underwriter through a “cover letter”. We’ve been able to secure better rates for those with healthy lifestyle habits.

As you can see, we’re very experienced in underwriting Congestive Heart Failure life insurance policies. Don’t be discouraged if you’ve been declined.  More than likely you picked the wrong carrier.

It really takes an experienced agent who knows the best carrier to see your CHF most favorably. We have our “favorites” list of life insurance companies who have given favorable approvals time after time for those with CHF.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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Kennedy Stephanopoulos

Hi. I’m a 35 yr old woman diagnosed with chf in Jan of 2015. I’m looking for a 30 yr term life insurance policy if possible. I asked an insurance agent for help and was denied by every single company. I need some help and or more research. Thank you

October 26, 2015 at 11:54 am
    Jeff Root

    Kennedy, there are options for you. We do have access to a product that can get you up to $150,000 of coverage with no health questions asked. Call us at 888-430-7668 for details.

    November 16, 2015 at 12:10 pm
      chris tagel

      hi jeff,,my name is chris tagel and back in august of 2012 i was diagnosed with 39yr old and been applying for life insurance and been wondering if you could help me out or tell me which way to go..thank you

      January 26, 2016 at 5:50 pm
        Jeff Root

        Hi Chris, we sent you an email.

        May 23, 2016 at 6:16 pm
Sherrele Archer

Thank you

May 6, 2016 at 6:06 pm

Hi I am trying to get some life insurance for my husband. I am finding out just how difficult it is to get it now that he has been diagnosed with a congested Heart failure. He also have hypertension, and diabetis 2 which has been for years, but treated, and controlled.
What would you suggest I do to get insurance for him. Thanks

May 23, 2016 at 6:00 pm
    Jeff Root

    We’ll shoot you an email. Thanks for reaching out.

    May 23, 2016 at 6:15 pm
Amy Lomanto

I am currently looking for life insurance for my husband(47 years old) diagnosed with CHF due to a aortic valve closure. He has had the valve surgery, is currently being treated and is stable. Last EF just after the surgery was 25%, but we will reevaluate in August. He is otherwise healthy,good weight, recently quit smoking and is being treated with medication. I would also like quotes for myself. I am 46 and in good health,non smoker and healthy weight. Thank you for your attention.

July 28, 2016 at 11:31 am
    Jeff Root

    Hi Amy, we sent you an email. Need a few more details and can provide you with some options. Feel free to call us 888-430-7668.

    July 28, 2016 at 3:03 pm
Shavonne Greer

Hello, my husband is trying to get life insurance and he has been diagnosed with CHF. He is 45. If there’s any help you can give us please do. He keeps getting denied for coverage

September 18, 2016 at 12:53 am
    Jeff Root


    There are graded death benefit policies available for him. Give us a call or fill out our contact form and we’ll get in touch.

    October 16, 2016 at 5:02 pm
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