Life Insurance for Pulmonary Diseases
Over 100 Carriers to Quote From. Here are a few of them!
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.
Life Insurance with Pulmonary Disease
If you live with pulmonary disease, it doesn’t mean you’re uninsurable.
At Diversified Insurance Brokers, we specialize in helping clients with respiratory conditions secure affordable, tailored life insurance coverage.
Speak with an expert who understands life insurance for chronic pulmonary and respiratory conditions.
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.
FAQs: Life Insurance for Pulmonary Diseases
Can I get life insurance if I have a pulmonary disease?
Yes. Many people with pulmonary conditions qualify, depending on disease type, severity, treatment, lung function tests, and how well the disease is managed.
Which pulmonary diseases are considered higher risk?
Chronic obstructive pulmonary disease (COPD), emphysema, pulmonary fibrosis, severe asthma, and other interstitial lung diseases tend to present higher risk because of reduced lung function and complication potential.
What medical information will insurers ask for?
Insurers typically require recent pulmonary function tests (PFTs), oxygen use, hospitalization history, imaging (like chest X-rays or CT scans), treatment history (inhalers, steroids, etc.), smoking history, and if applicable, sleep apnea or supplemental oxygen.
How does severity or lung function affect underwriting?
The worse the lung function, the more restrictive the policy options. Insurers often compare PFTs or FEV1 values to expected norms; lower values often lead to higher premiums, table ratings, or more limited policy types.
Does smoking history make a big difference?
Yes. Current or past smoking adds substantial risk. The longer since quitting and the lighter the history, the better. Many carriers offer better rating classes for non-smokers or those who quit long ago.
Are there policy types more likely to approve people with pulmonary disease?
Simplified issue, guaranteed issue, and final expense policies are often more accessible. Fully underwritten term or permanent policies may be possible for milder cases or those with recent improvements.
Will oxygen use or hospitalizations hurt my application?
Yes. The need for supplemental oxygen or frequent hospitalizations suggests more advanced disease. Showing medical improvement, stable management, or reduced need for oxygen can help.
How long should the disease be stable before applying?
Carriers prefer several months to years of stability: fewer exacerbations, stable or improving lung function tests, consistent treatment, and minimal hospitalizations.
Does treatment with inhalers, steroids, biologics affect underwriting?
Yes. The type, consistency, side effects, and how they’ve been tolerated matters. Intensive treatment regimens may indicate more severe disease.
What coverage amounts are realistic?
For those with more severe disease, lower face amounts might be the most practical. Simplified or guaranteed issue plans usually have caps; fully underwritten policies may allow higher amounts depending on risk profile.
How long does underwriting take?
Quicker for simplified or guaranteed issue policies. Fully underwritten cases may take several weeks, especially if medical tests or records are needed.
How can I improve my chances of a better rating?
Quit smoking (if applicable), keep treatments up-to-date, maintain follow-ups with pulmonologists, have recent lung function tests, avoid hospitalizations, and demonstrate stability in symptoms.
What if I was declined before?
It doesn’t always mean you’ll be declined everywhere. Different insurers and product types (simplified or guaranteed issue) may evaluate risk differently. Reapplying with better medical evidence can help.
Will a current policy be affected if I develop a pulmonary disease later?
No. Once a policy is issued, disease developments after issue typically don’t change that policy’s coverage, as long as premiums are paid and there was no misrepresentation at application.
Do financial factors matter?
For larger face amounts, insurers may request financial or income documentation to justify the amount. Smaller, more modest plans typically have less financial underwriting.
