Life Insurance for COPD
Over 100 Carriers to Quote From. Here are a few of them!
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.
Life Insurance with COPD / Pulmonary Conditions
If you live with COPD or another pulmonary condition, it doesn’t mean you’re uninsurable.
At Diversified Insurance Brokers, we specialize in helping clients with respiratory and pulmonary health challenges find affordable, tailored life insurance coverage.
Speak with an expert who understands life insurance for chronic pulmonary and respiratory conditions.
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.
FAQs: Life Insurance for COPD
Can I get life insurance if I have COPD?
Yes—even with COPD or other pulmonary conditions, you can often obtain coverage. Your approval depends on how severe the COPD is, your treatment history, lung function, and any related health issues.
What COPD-related factors do insurers evaluate?
They’ll consider the severity of your disease, use of supplemental oxygen, history of smoking, presence of complications (e.g., heart disease or pulmonary hypertension), recent hospitalizations, and stability of lung function and treatment adherence.
How do different levels of COPD affect policy options?
Mild COPD often allows for traditional term or whole life policies (maybe with rating). Moderate COPD may lead to higher-rated policies or graded death benefits. Severe COPD usually limits options to final expense or guaranteed issue policies.
What improves my chances of better rates?
Stable lung function, no recent hospital stays, being smoke-free for several years (if applicable), consistent use of medications, regular pulmonary follow-ups—all help in improving your underwriting outcome.
Who tends to get good offers for COPD cases?
Former smokers with meaningful smoke-free intervals, mild to moderate disease in otherwise good health, well-controlled symptoms, and clear medical documentation tend to secure more favorable terms.
Why work with Diversified Insurance Brokers for COPD?
We have access to 100+ carriers, experience with high-risk underwriting, knowledge of which insurers are more lenient, and proven track records helping clients with COPD get better offers than they might elsewhere.
Diversified Insurance Brokers specializes in helping high-risk applicants secure coverage, even after serious health conditions.
