Wallace Group - Insurance Blog

Life Insurance for People with COPD

If you or a loved one is living with chronic obstructive pulmonary disease, you are well aware of the daily physical challenges and the uncertainty when it comes to the future. With medical technology the way it is today, many of the symptoms of COPD can be successfully managed, but since it is a condition that is deemed “incurable”, the subject of life insurance can be a touchy one. Many people with COPD are unnecessarily declined for life insurance because they did not start with the right carrier or their agent was not properly equipped to write life insurance for chronic obstructive pulmonary disease patients. If you have COPD and need life insurance, you have come to the right place. You can go ahead and begin by clicking the quote link below.

Luckily, life insurance for people with COPD isn’t just a pipe dream. You can be eligible for life insurance, and the peace of mind that comes along with it, even if you have already been diagnosed with the disease. At The Wallace Group, we can usually offer first day coverage depending on your circumstances. There will be several factors to consider when buying life insurance for people with COPD.

Since COPD isn’t just a black and white condition, getting life insurance if you have COPD isn’t black and white, either. Your insurance provider will require specifics about how the condition started and how it has progressed since the diagnosis. Some of the most common information you will be asked to share includes, your age when first diagnosed, current stage of the disease, any preceding lung condition (asthma, emphysema, cancer, chronic bronchitis), current tobacco use, hospitalizations since you were first diagnosed

If you have other health issues or conditions, they will play a significant role in getting life insurance if you have COPD. If the disease is being managed sufficiently and you do not have other risk factors that endanger your overall health, the chances of being approved for first day coverage are much greater. Some of the major risk factors that come into play include cancer, prior cardiac issues or heart disease, obesity, high cholesterol, high blood pressure and current tobacco use. Of course, if your COPD is still in the mild or moderate category and other conditions are being managed, you can still qualify.

One of the main keys to being approved for life insurance if you have COPD is to find a life insurance agent that specializes in getting results for people just like you. Some companies automatically decline COPD patients without getting into the details, while others welcome people with COPD.

When you sign on with The Wallace Group, you can feel confident that we will do everything in our power to get you the life insurance you deserve. We have extensive experience insuring people with COPD at various stages of the condition, so there is hope.

Just because you happen to have a high-risk medical condition doesn’t mean you and your family don’t deserve coverage. Give us a call today or click on the quote link below to get the process started.

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