Can I Get a Final Expense Policy with Heart Disease?

Written by Kim Wilhelm

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Last Updated 14 Apr 2024

Heart disease is the #1 cause of death in America. According to the CDC, someone dies every 36 seconds from cardiovascular disease.

The most common type of heart disease is coronary artery disease, followed by heart attack. One-fifth of people have silent heart attacks, which means you don’t even know you had a heart attack, but that doesn’t stop the damage to your heart.

While these statistics are scary, we offer them so you know you aren’t alone if you suffer from heart disease. The main causes of heart disease are:

If you don’t already have life insurance, can you get life insurance with heart disease? While you might think the answer is no, you’d be surprised that you can get approved for life insurance with heart issues.

Can I Get Life Insurance with Heart Disease?

The short answer is yes, you can. But if you’ve been diagnosed with a heart condition, it is difficult to get approved at an affordable rate going the traditional life insurance route.


Well, life insurance companies base your approval and rates on your mortality risk, or how likely you are to die compared to your expected lifespan. When you have heart disease, your mortality risk is much higher than healthy seniors.

That means the company is more likely to pay your death benefit sooner with fewer premium payments. So, you pay a lot more than other people, or they might think you’re too risky and deny you altogether.

Luckily, we don’t use the traditional life insurance method at Final Expense Direct. We can get you covered in just one phone call, even with a heart condition.

Do I Have to Take a Medical Exam to Get Approved for Life Insurance with Heart Conditions?

No, you don’t have to take a medical exam to get approved for life insurance with heart issues

At Final Expense Direct, we don’t work with companies who make you take a medical exam. The companies we work with offer you better solutions so you can get approved faster at affordable rates.

Best Life Insurance Companies with Heart Attack

  1. Independent American - Best if diagnosed with Heart Disease
  2. Prosperity Life Insurance - Best with Congestive Heart Disease
  3. Mutual of Omaha - Best if you had Heart Attack
  4. Liberty Bankers - Best if you had an Aneurysm
  5. American Home Life - Best with Hearth Bypass

* The "best company" depends on other health factors as well as age, state of residency, and coverage desired.  For your best chance to be approved with low rates, speak to one of our experienced insurance professionals.  

To get started, click here for a quote now.

What Types of Life Insurance Are Best for People with Heart Disease?

If you have heart disease, it can be hard to get approved for life insurance if you have to take a medical exam. And if they approve you, it can be really expensive and outside of your budget.

We understand that many God fearing American seniors are on a tight budget. The traditional way to buy life insurance is intrusive and can take a long time to get approved — time you may not have.

At Final Expense Direct, we focus on life insurance plans that you can get approved for easily. You don’t have to take a medical exam or wait weeks or even months to get a decision. We have two life insurance options for you and can help you decide which one is best and cheapest.

Simplified Issue Final Expense

With simplified issue life insurance, you only have to answer a few health questions to be approved. We make the process really easy for you, and get our customers covered in just one phone call.

You get connected right to one of our agents when you call. There’s no automated system or hoops to jump through. 

Then, we ask you a few questions about your health. This is our way of finding out what type of life insurance is best to get you approved. 

After that, we help you decide on a plan with some of the top rated life insurance companies in the country. Once you’ve selected a plan, we help you apply right over the phone and get you approved.

It’s really that simple. 

Depending on the type of heart issues you have, your treatment plan, and any surgeries you’ve had because of it, you might not get approved for simplified issue life insurance.

If that’s the case, we have a better solution for you.

Guaranteed Issue Final Expense

No matter how bad your health is, we can get you approved for guaranteed issue life insurance.


Well, guaranteed issue means guaranteed acceptance. There are no health questions to answer or medical exam to complete.

You just fill out the application with our agent over the phone, and you’re approved. 

Our goal at Final Expense Direct is to offer you and your loved one’s peace of mind and life insurance coverage. No matter what heart issues you have, there is a life insurance policy for you.

What Life Insurance Riders Should I Consider with Heart Issues?

Having heart issues can certainly lower your life expectancy and increase your chances of being diagnosed with chronic,critical, or terminal illness. Riders are an add-on you can include in your life insurance policy that will offer coverage besides a death benefit. 

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Accelerated Death Benefits

One of the most important life insurance riders someone with heart disease should consider is accelerated death benefits. This rider is also called a living benefit rider because it lets you access some of the death benefit while you’re still alive.

If you’re diagnosed with a chronic, critical, or terminal illness, you can get access to your death benefit while you’re still here to use the money. You can use that money for anything you want — paying for medical bills, hiring a housekeeper or nurse, or even flying your grandkids out to see you.

Accidental Death

Another rider you might want to consider is accidental death coverage. Though you’re more likely to die from heart disease or related condition, accidental death coverage pays out if you die in an accident. And it usually doubles your death benefit, which means your beneficiary gets even more money to pay for your final expenses, debts, and anything else you want covered.

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FAQ Life Insurance with Heart Disease

What if I’m Denied Life Insurance Because I Have Heart Issues?

If you’re denied life insurance because of heart issues or disease, don’t panic. Final Expense Direct is here to help! We can get you approved for life insurance no matter what heart condition you have.

Can I Get Life Insurance After a Heart Attack?

Yes, you can get life insurance after a heart attack or stroke. What you qualify for depends on how long it’s been since your heart attack and the severity. If you’re not sure what kind of life insurance you can get after a heart attack, give us a call at Final Expense Direct.


Seniors can face many challenges when getting life insurance, especially with heart issues. The great thing is you can get approved for life insurance no matter how advanced your heart disease is, even if you’ve been denied before. With a greater chance of dying sooner, you want to get life insurance as soon as possible to protect your loved ones financially. Call us at Final Expense Direct today to talk directly with one of our agents. We can guarantee we can get you approved in just one phone call.


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