How To Get Life Insurance With COPD In 2023

Thanks for visiting our comprehensive guide to life insurance with COPD. You will learn how to get final expense insurance if you have COPD or emphysema in this post.

Many older persons with COPD or emphysema who have started to see a progressive loss in their lung condition or their ability to breathe realise that their health will not get any better.

They are also seeking for ways to leave a legacy of protection because they know they don’t want to leave a financial burden on their loved ones.

Seniors who have COPD insurance can better prepare for and defend themselves against the high expense of funerals and associated fees.

Can You Get Life Insurance If You Have COPD

It would be great to call us if you or a loved one has COPD so we can better assist you.

Our certified health impairment quick coverage list includes COPD. This will guarantee that you get the greatest COPD-coverage burial insurance that is available.

Yes, Day 1 coverage will be same-day immediate!

The fact that Chronic Obstructive Pulmonary Disease COPD, bronchitis, and emphysema is a high-risk disease is widely known to burial or last expense insurance providers.

The third most common cause of death in the United States has been COPD.

Unfortunately, unlike asthma, and depending on how bad the COPD is, it can significantly shorten a person’s predicted lifespan.

It makes sense that acquiring burial or life insurance for someone with COPD can be difficult given that it has no known cure and is the third largest cause of death.

We have fantastic news for you…

Over the years, has assisted hundreds of people in finding the finest insurance policies for any chronic illness, with COPD being a common one.

We are a group of independent insurance agents with connections to some of the best A+ rated life insurance providers in the nation. We can provide you with a selection of insurance plans that are both high-quality and reasonably priced in the future.

Particularly for COPD Burial Insurance

Regardless of how bad your COPD is, can find you the most affordable coverage option.

Burial Insurance Companies And COPD

I have horrible news.

The majority of final expense insurance providers are very strict when it comes to COPD.

Your responses to certain questions will be taken into account to assess how much more at risk you are for developing COPD.

Only a small number of last expense or burial insurance providers can provide COPD patients with cost-effective insurance packages.

To compensate for the significant risks associated with having COPD, the majority of insurers will raise rates by up to 40%.

The unfortunate truth about COPD is that it significantly reduces the patient’s life expectancy. And according to recent statistics, COPD is now the third most common condition that causes death.

Due to the elevated risk of COPD, practically all insurance companies will ask you to pay a higher premium.

Obtaining inexpensive insurance coverage with COPD is undoubtedly very challenging, but it is not impossible.

The good tidings

People, hold on to your hats!

In my 29 years of expertise, I’ve discovered that three top-rated A+ insurance providers may provide a COPD patient with a last expense insurance plan at the lowest price with no waiting period.

This denotes immediate insurance coverage beginning on day 1; this form of plan is typically referred to as “simple,” “preferred,” or “level.”

Although it’s incredibly uncommon, there are unavoidably some prerequisites in terms of your health and way of life before you may apply.

Please give us a call if you want to find out if you qualify for a simpler plan. It will only take a short while, and it will be well worth it.

Now, don’t panic if you did not qualify for a straightforward plan.

Hope is still alive. Never forget that even if your COPD is severe, will always offer the most cheap coverage plan.

These insurance plans will still be provided by the nation’s top-rated A+ insurance providers, who will only provide the greatest prices and added cutting-edge benefits at no additional cost.

Oh, and another plus is that final expense insurance policies never demand medical examinations.

COPD Life Insurance Underwriting

COPD will undoubtedly be brought up throughout the underwriting process.

Always bear in mind that each ultimate expense insurance provider will ask you about your COPD in a unique approach and will have distinct requirements for the calibre of life insurance policies that can be provided.

Some insurance companies only want to know if you have COPD, while others want to know further specifics like:

Your tobacco usage, living circumstances, when you had it, whether or not you were given medicine for it, etc.

We will start covering you on day one, even if you are receiving home health care.

Insurance providers will inquire about the following throughout the underwriting process:

  1. Asking about your lifestyle, COPD, and other conditions you may have.
  2. history of prescribed medications

Health Questions In The Underwriting For COPD And Final Expense Insurance

Due to the fact that COPD is one of the major chronic diseases responsible for fatalities in the nation and there is no known treatment, burial or final expense insurance will specifically question about it.

Most final expenditure or funeral insurance providers merely need to know whether you have it. The date of your COPD diagnosis, cigarette usage, lifestyle, place of employment, etc. will all be questioned by other insurers.

The typical inquiries from insurance companies are listed below.

  • When were you initially diagnosed or treated with COPD
  • Do you have COPD right now?
  • When did you receive advice for COPD treatment?
  • Do you need help in activities of daily life (ADL)?
  • When did you start treating your COPD?
  • When did you last smoked tobacco?
  • Are you prescribed to be on oxygen?
  • What is your working environment like?

Remember that each final expenditure insurance will have different requirements for health inquiries. Some insurance providers, as mentioned above, won’t bother to inquire about the severity or stage of your COPD.

Your COPD stage may be questioned by some insurance companies, and this will have a significant impact on the calibre of insurance coverage that businesses will provide.

Additionally, if you are in the last stages of COPD, these insurers will outright refuse your claim. especially if you are receiving dialysis or have other illnesses like depression.

The Stages Of Chronic Obstructive Pulmonary Disease (COPD)

The Forced Expiratory Volume (FEV) test, which measures the quantity of air you can force out of your lungs in one second during a spirometry exam or pulmonary test, was likely used to diagnose your COPD.

The COPD Stages are as follows:

  • FEV1 equals or exceeds 80%; stage 1, moderate COPD. This may or may not be accompanied by symptoms including increased salivation, evident breathlessness with effort, and a persistent cough.
  • Your FEV1 ranges from 50 to 79% when you are in stage 2, mild COPD. Symptoms may or may not accompany this.
  • Your FEV1 ranges from 30 to 49% while you are in stage 3, often known as severe COPD. Chronic symptoms may or may not accompany this.
  • If your FEV1 is less than 30%, you have stage 4, or very severe COPD. as well as COPD in its last stages.

It’s crucial to recognise the other health condition that COPD can exacerbate and set off a chain reaction with.

First things first, having sleep apnea might make your COPD worse because of the breathing pauses.

High blood pressure, heart disease, and stroke risk factors can all be increased by sleep apnea. Consequently, a COPD assessment exam is crucial.

Prescribed Medication History Assessment

To ensure that you haven’t lied about your health, the insurance company will check the medications you’ve been taking.

Insurance companies examine your history of prescribed medications using automated data or computer tools.

If you ever fill out a prescription, they will be aware of it, and by finding out what prescriptions you were prescribed, they will also be aware of any conditions you currently have or have had in the past.

To put it simply… You have the disease if you are given medication to treat it. This is the reasoning behind insurance companies looking at a candidate’s drug history.

COPD Medications That Are Red-flagged By Insurance Companies

So once more, if you are on one or more of these drug combinations, insurance companies will decide if you have COPD.

  • Aclidinium (Tudorza)
  • Anoror Ellipta
  • Arcapta
  • Arformoterol (Brovana)
  • Atrovent HFA
  • Brovana
  • Budesonide
  • Combivent
  • Daliresp
  • Duoneb
  • Fluticasone
  • Formoterol (Foradil, Perforomist)
  • glycopyrrolate (Seebri Neohaler)
  • Indacaterol (Arcapta)
  • Ipratropium Bromide (could be an allergy med)
  • Olodaterol (Striverdi Respimat)
  • Prednisone
  • Salmeterol (Serevent)
  • Spiriva
  • Tiotropium (Spiriva)
  • Umeclidinium (Incruse Ellipta)

Dual-purpose Medications For COPD That Are Red-flagged By Insurance Companies

Now, there are medications that can be used for more than one disease or health condition, a good example are bronchodilators for COPD and asthma.

Bronchodilators are the medications that COPD and asthma may share for treatment.

Here are some of the most common medications that COPD and asthma share that insurers will know of.

  • Budesonide/formoterol (Symbicort)
  • Fluticasone/salmeterol (Advair)
  • Fluticasone/vilanterol (Breo Ellipta)
  • Glycopyrrolate/formoterol (Bevespi Aerosphere)
  • Glycopyrrolate/indacaterol (Utibron Neohaler)
  • Roflumilast (Daliresp)
  • Tiotropium/olodaterol (Stiolto Respimat)
  • Umeclidinium/vilanterol (Anoro Ellipta)

To further explain Dual Medications And How Insurers May View It

To avoid any misunderstanding, conclusions will mostly be based on the doctor’s notes, as well as the frequency, mode, and dosage of your drug use.

Once more, these procedures for evaluating the history of prescribed medications will differ from insurer to insurer, particularly in the case of pharmaceuticals having multiple uses.

The bottom line is that you may prevent all of this misunderstanding on your own if you are fully informed about your past and present drugs and the reasons they have been prescribed for you.

To sort all of this out and prevent confusion, it is essential to contact and speak with one of our highly knowledgeable final expense insurance specialists. We’ll be happy to guide you through them.

Oxygen-Dependent COPD And Burial Insurance

If your doctor orders that you receive oxygen therapy, especially with a Venturi mask, this may indicate that your COPD is becoming more severe and that your blood oxygen levels are low.

Only a “Guaranteed Issue” (GI) plan is an option.

We advise you to purchase a last expense insurance coverage as soon as possible if you anticipate needing oxygen.

Any applicants for insurance with COPD who are prescribed oxygen will be rejected by other insurance firms.

This merely indicates that they do not have a guaranteed acceptance policy, in which case the time you spent applying-only to be rejected-wasted for you.

Burial Insurance Companies Various Coverage Plans For COPD

Insurance providers will contact you with policy offers that they believe will match your level of risk following your underwriting procedure with the health questions and medication history evaluation.

Given all the well-known facts concerning COPD, it’s crucial to moderate your expectations.

It will be quite challenging to obtain the lowest rate coverage for COPD because it is a well-known high-risk chronic disease among insurance firms, but it is not impossible.

Please continue reading to learn more about this unique opportunity.

Patients with COPD frequently have other serious medical illnesses that lower their risk and lower the calibre of the insurance policies that are available to them.

Here are some insurance options that might be available based on how serious your COPD condition is.

1) A higher monthly premium life insurance coverage

When compared to a simplified plan, the insurance plan will cost 15 to 40% more (the plan being offered to a person with the lowest risk).

There will be immediate insurance protection under this policy. This implies that beginning on the first day of your plan, your beneficiaries will get 100% of the death benefit if you pass away.

Considering the nature of COPD, this is still a fantastic plan. Despite the somewhat higher premium, the great part about this plan is that coverage will be immediate and begin on the first day.

We represent one of the small number of insurance providers that provide this plan.

2) A two-year waiting period in the policy

This will apply to COPD candidates who are more likely to face a waiting period from insurance companies.

There is a minimum 24-month waiting period. Your dependents will receive the amount you have already paid toward the loan plus an additional 10% if you pass away before it is fully repaid.

The benefit of this plan is that your beneficiaries will still receive more money than you have paid for it when the time comes.

It’s good to know that this is superior to bank “Share Certificates” or “Certificates of Deposit” (CD), which is another fantastic quality about it. No share certificate or CD will return 10% interest.

3) Payment will be made either in full right away or in instalments.

If you pass away during the first 12 months, a portion of your full death benefit will be paid, and if you pass away between the following 13 and 24 months, a larger portion.

This is referred to as a “Graded plan” The typical payment % is shown here.

30% for the first year.

70% over the 13 to 24 month period

If you wait 24 months, your beneficiaries will receive the entire death benefit.

The choice will ultimately be yours, and you can consult with one of our impartial Final Expense Insurance Specialists to determine if this is the best course of action for you.

Keep in mind that is here to serve your needs! For the insurance provider, no. The client—you—comes first.

4) The addition of a waiting period and increased rates

Many insurance firms will use this kind of policy when considering applicants who they believe to be the highest risk.

Each month, this will cost more—by 15% to 40%. A minimum of 24 months must pass before you can get rewards from the insurance company (if there are any benefits at all).

Thus, other businesses might have a payment plan similar to a graded plan (percentage per year).

5.)The Guaranteed Issue Plan (GI)

As the name implies, if you are of legal age to engage into a contract or have a guardian who is, you are assured of acceptance. There won’t be any inquiries made or a review of drug histories required.

Through a phone call, we can essentially get you accepted for a GI plan in 15 minutes!

The monthly rates will be higher and strictly have a 24-month waiting period due to the increased risk that the insurance companies will assume.

Your family will receive a full refund of all of your money plus 10% if you pass away before the waiting period expires.

With your choice to be ready when the time comes, to give your family peace of mind—having this option will always be a benefit. This plan is the sole alternative for the seriously ill.

Secret: Sometimes a guaranteed issue plan would be considerably more beneficial or logical than a modified strategy. You can use that math or give us a call to find out whether this is the case.

6) The most affordable prices and rapid coverage (no waiting time period)

This is incredibly uncommon, to put it mildly…

The “Holy Grail” of insurance strategies will be this. If you are eligible for this plan, which is frequently referred to as a “simple,” “preferred,” or “level” type of plan, you should consider yourself quite fortunate given that you have a significant chronic disease that is one of the leading causes of mortality. Use the name as it is now.

The least expensive monthly rates will be for a simplified plan, which will also provide insurance coverage right now.

There are some requirements that you must meet in order to be eligible for a simplified plan if you have COPD.

These conditions apply:

  1. Your COPD should have been diagnosed more than a year ago.
  2. You ought to have abstained from cigarette use for at least a year.
  3. You shouldn’t have any other major illnesses.
  4. You ought to live an active lifestyle.

We have access to the one and only burial or final expense insurance provider that will now accept you for a simple insurance plan.

Making our customers happy brings us delight and pleasure, thus we will work hard with you to obtain this fantastic COPD strategy, which is undoubtedly what you would like.

We encourage you to call us if you believe you could be eligible for a simpler plan so we can assist you in sorting all of this out.

How To Find The Best Burial Or Final Expense Insurance For Clients With COPD Emphysema

This essay about COPD final expense insurance was pretty lengthy, but rest assured that we make every effort to keep our writing clear, succinct, and incredibly educational. We also update our articles as necessary.

With COPD, time is now of the essence. Everybody who is reading this post has probably come to terms with their current state of health.

To be ready for your death, you should purchase a final expense insurance policy. Your loved ones won’t have to worry about it thanks to this.

Since you have found us, we are confident that we can assist someone with COPD in finding the greatest coverage option from the nation’s top insurance providers.

Over 95% of the clients who came to us with COPD received assistance from us, and we were able to assist each and every one of them.

Our team at is made up of a group of highly skilled Final Expense Insurance Specialists who are passionate about locating the greatest burial insurance policy regardless of their illnesses or health difficulties.

In fact, we have helped clients for over 29 years, and we are accredited in 50 states. We exclusively work with top-rated A+ insurance providers who provide competitively priced, outstanding final expense insurance products.

What We Only Need From You Is A Little Bit Of Your Time To Know Your Details.

With your information, we can without a doubt tell you which insurance provider will provide the best plan for your COPD condition given our expert knowledge of the underwriting procedure and pricing of the finest insurance providers in the nation.

Contact us right now! We guarantee you a straightforward, stress-free interview process.


A severe illness that many individuals suffer from is COPD. Let us assist you in putting an end to your concerns about what may transpire to your family when it is time to say goodbye.

As an insurance company, we would ideally like for all of our clients to enjoy long and prosperous lives, but in the unlikely event that this is not the case, they may rest easy knowing that one of our burial insurance policies would ensure the financial security of their loved ones.

We provide coverage without a medical exam or underwriting in all 50 states!