At Diversified Insurance Brokers, we specialize in helping individuals with COPD (Chronic Obstructive Pulmonary Disease) find life insurance coverage through our network of over 100 top-rated carriers. With decades of high-risk underwriting experience, we know which companies are most open to COPD cases, how to present your medical history effectively, and how to secure the most competitive rates available.

Request Your COPD Life Insurance Quote

Click here to complete our confidential quote request form

How COPD Impacts Life Insurance

• Severity: Mild COPD may qualify for traditional coverage, while severe COPD often requires alternative solutions.
• Oxygen Use: Current use of supplemental oxygen can limit traditional options.
• Smoking History: Past or current smoking habits will influence underwriting decisions.
• Related Conditions: Heart disease, pulmonary hypertension, and other complications may impact approval.

Who This Coverage Is Best For

• Applicants with mild or moderate COPD in otherwise good health.
• Former smokers with a period of tobacco-free living.
• Those declined by other insurers seeking specialized high-risk underwriting.
• Individuals looking for final expense or guaranteed issue coverage.

What Improves Approval Chances

• Stable lung function and no recent hospitalizations.
• Good medication adherence and regular pulmonary checkups.
• Smoke-free for several years (if applicable).

Typical Outcomes We See

• Mild COPD: Standard or substandard term or whole life coverage may be possible.
• Moderate COPD: Often approved with a rating or graded death benefit.
• Severe COPD: Guaranteed issue or final expense policies are the best fit.

Why Work With Diversified Insurance Brokers

• Access to COPD-friendly carriers: We know which companies are more flexible.
• Proven results: Our high-risk experience leads to better approvals.
• Confidential process: Your health details are handled with discretion.

Example Case

A 58-year-old man with moderate COPD, tobacco-free for 5 years, was approved for a $50,000 whole life policy at a rated premium—avoiding the costly guaranteed issue plan other agents offered.

Get started today: Submit your COPD life insurance request.