Thanks for your query.
A fetal pole
with no heartbeat definitely indicates a missed abortion
In an anembryonic pregnancy
, a fetal pole is never formed - just an empty gestational sac
without a fetal pole is found.
In your case, there is a fetal pole, but no cardiac activity.
Hence this is a missed abortion, where the heartbeat failed to develop.
Your doctor is absolutely right, as there is no point retaining the dead fetus inside the uterus.
Please go for a D and C as advised.