At Diversified Insurance Brokers, we help individuals with pulmonary diseases secure life insurance from our network of over 100 top-rated carriers. Whether you have asthma, COPD, pulmonary fibrosis, or another lung-related condition, we know which insurers are most likely to approve your application and how to present your medical history for the best results.

Request Your Pulmonary Disease Life Insurance Quote

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How Pulmonary Diseases Impact Life Insurance

• Condition Type: Asthma and mild COPD are often more insurable than advanced pulmonary fibrosis or pulmonary hypertension.
• Severity: Mild, controlled conditions may qualify for standard rates; severe cases may require high-risk or guaranteed issue coverage.
• Oxygen Use: Current oxygen dependence limits traditional underwriting options.
• Hospitalizations: Recent admissions can delay approval or increase premiums.

Who This Coverage Is Best For

• Individuals with mild or moderate lung disease seeking affordable coverage.
• Applicants who have been declined elsewhere due to breathing issues.
• Those looking for term, whole life, or final expense options despite health challenges.

What Improves Approval Chances

• Stable condition with no recent hospital visits.
• Consistent use of prescribed medications and treatments.
• Non-smoker status for several years (if applicable).

Typical Outcomes We See

• Mild Conditions: Possible standard or slightly rated traditional policies.
• Moderate to Severe Conditions: Graded death benefit or guaranteed issue plans.

Why Work With Diversified Insurance Brokers

• Access to 100+ A-rated carriers: Many with experience insuring pulmonary cases.
• High-risk expertise: We know how to position your application for approval.
• Confidential process: We protect your information every step of the way.

Example Case

A 62-year-old woman with controlled asthma and no hospitalizations for 10 years was approved for a $100,000 15-year term policy at a slightly rated premium—far better than the guaranteed issue offer she previously received.

Get started today: Submit your pulmonary disease life insurance request.