We know it can be frustrating searching for a life insurance policy with a history of COPD.
Don’t fret, We can help!
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with COPD? And if so…
2. How much will it cost?
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – The best rating for COPD would be a “Mild Substandard” rating. These cases are usually those with less frequent symptoms and attacks of labored breathing and excessive sputum production. Symptoms are relatively controlled with medications, so compliance is crucial. Click here for quote at “Mild Substandard.”
Moderate Case – “Medium Substandard” rating may be appropriate for those whose COPD have been detected early and had decided to quit smoking immediately. These cases will have relatively decreased symptoms of excessive coughing and sputum production. Quitting smoking plus compliance with medications will also slow down the progression of COPD. Click here for a quote at “Medium Substandard.”
Severe Case – A severe case would be that of a non-compliant individual who continues to smoke, in spite, of COPD. It would also be a severe case if there are obvious complications to the heart and poor lung function test results. The best approval that may be obtained in these cases is at a “Severe Substandard” rating or worst a decline. Click here for a quote at “Severe Substandard.”
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
1. How many years since you were diagnosed with COPD?
Early diagnosis of COPD with less frequent symptom attacks may get the best rating at “Mild Substandard.” Chronic COPD, on the other hand, with more frequent symptoms of forceful breathing and cyanosis may qualify for a “Medium Substandard” or “Severe Substandard” rating.
2. How many years have you been smoking and how many sticks or packs a day did you consume?
Smoking has been specifically associated with the incidence of developing COPD. So, the longer the number of years of smoking and the more pack years you have, the less chance you can get a good rating or worse you may get a decline because of your smoking.
3. Have you stopped smoking?
This is one of the most important questions that will establish your health class. If you have stopped smoking, an improved pulmonary function test will prove that. There will also be less symptoms of shortness of breath and labored breathing. If, however, you are still smoking right now, the best rating you may get is at “Severe Substandard” or worse you may get a decline for it.
4. How many times do you experience COPD symptoms in a period of one year?
The less frequent your COPD symptoms are the better chance of getting a good rating at “Mild Substandard” or “Medium Substandard.”
5. Are you taking any maintenance medications?
Compliance to medications may slow down the disease progression and lung damage. There may also be less frequent symptoms of labored breathing. These cases have a good chance of getting a “Mild Substandard” or “Medium Substandard” rating.
6. Are you or is anyone in your household smoking?
Smoking is the most common trigger for COPD attacks, so if anyone is smoking in your office or household, it means symptoms may be frequent than usual. This may get you a “Severe Substandard” rating.
7. Have you had any relevant diagnostic tests within the past six months?
Recent laboratory and pulmonary function tests will be the best ways to assess the actual condition of your lungs.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Chronic Obstructive Pulmonary Disease
Chronic obstructive pulmonary disease (COPD) or chronic obstructive lung disease is a disease state that is characterized by persistent mild, moderate or severe airway obstruction.
Most cases of COPD are irreversible in nature and prognosis is highly dependent with compliance and management.
The triad symptoms of COPD include excessive sputum production, severe coughing and forceful breathing. Other COPD cases also present symptoms of bluish discoloration of the nail beds (cyanosis) due to lack of Oxygen.
Related Keywords: chronic obstructive pulmonary disease, COPD, lung disease, acute COPD, chronic COPD