Burial Insurance with COPD Taking Albuterol
Everyday families are faced with the difficult task of saying goodbye to loved ones. Did you know that according to the National Funeral Directors’ Association – as of January 2013 the national median cost of an adult funeral with vault costs $8,343.00 with additional expenses? Additional expenses can include a cemetery plot. Many funerals exceed $10,000.00 dollars and that’s before any outstanding debts or medical bills.
Planning your funeral requires a careful consideration of all your final needs. Consider how you want to be remembered, where your final resting place should be, whether you wish to be buried or cremated and what type of casket or urn you prefer. A funeral director will give you a list of the services and products that it provides. The value of your final expense life insurance policy should cover the expense of the package you choose, plus any additional costs.
The most basic, economical option is generally an immediate burial plan. An immediate plan may include a modest service at the graveside and a simple casket. The expense of a viewing is not included in most immediate burial policies. The costs of the plot, a headstone and flowers must be paid for separately and should be included in the estimate of your final expense.
A traditional full service option, including a viewing, a hearse, a formal ceremony and entombment and cremation is more costly than an immediate or direct package. When you consider the costs of a package, you must take every extra expense into account in order to arrive at an accurate estimate of your financial expenses.
These programs have the following guarantees
1. First Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your premiums will never go up. Lock into a rate at your current age and the cost will never increase regardless of changes to your health and age.
4. You benefits will never go down. Regardless of changes to your health and age.
5. All programs build cash values.
6. The benefit is paid to your beneficiary tax free on the worst week of their life.
7. Your policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.
Seniors looking for a state regulated final expense life insurance policy or a whole life burial plan often have medical impairments and conditions that may raise the cost of these benefits. We keep track of these medical impairments and conditions and contract with several carriers so we can find the most benefits for the amount of money that you spend. Here we will review what we might see as we field underwrite the COPD medical condition. We can help you find first day coverage at a standard rate.
3 Top Reasons why folks use these programs
1. Because they do not have a DEDICATED amount for their funeral or final expenses
2. Because they’ve recently checked the pricing on what they currently have in place. They want to see if they can find more benefits than what they currently have.
3. Because they want to leave behind a legacy. Income for a surving spouse, money for grandkids, or to charity (Cancer Society, Church, etc)
Seniors looking for a life insurance policy or a whole life burial plan often have medical impairments and conditions that may raise the cost of these benefits. We keep track of these medical impairments and conditions and contract with several carriers so we can find the most benefits for the amount of money that you spend.
Burial Insurance with COPD Taking Albuterol
Chronic Obstructive Pulmonary Disease (COPD) is a functional diagnosis given to any pathological process that decreases the ability of the lungs and bronchi to perform their function of ventilation. It is an umbrella term that includes pulmonary emphysema and chronic bronchitis. COPD affects 12 million Americans, and it is estimated that 12 million more are undiagnosed. It is a common cause of death and disability in the United States.
The primary cause is smoking although not all patients who smoke get COPD. The extent of disease and symptoms experienced can vary widely.
Pulmonary emphysema is the permanent enlargement of the air spaces beyond the terminal bronchioles resulting from destruction of alveolar walls. As a consequence of this destruction, the lungs slowly lose their normal elasticity. Air reaches the alveoli in the lungs during inhalation but may not be able to escape during exhalation. Evidence suggests that some forms of the emphysema may be hereditary. In rare instances, emphysema is associated with a deficiency of a protein that plays a role in maintaining lung elasticity.
Chronic bronchitis is inflammation of the bronchial mucous membranes causing the lining to thicken and produce a chronically productive cough. It is characterized by hypertrophy and hyperplasia of bronchial mucous glands, damage to the microscopic hair-like extensions of cells lining the interior of the bronchi (bronchial cilia), and narrowing of the bronchial airways. The passageways become clogged with mucus.
COPD tends to develop insidiously, so no symptoms may be present initially until lung damage has already occurred. Later, a person may tire easily while exercising or doing strenuous work. The chest tightens and dyspnea on minimal exertion then develops. Chronic cough, chest tightness, and increased mucus production are exhibited.
A chronic cough with sputum production is the classic symptom of chronic bronchitis. A client with chronic bronchitis may have only a minimal increase resistance. As the disease progresses, the increase in airway in airway resistance becomes greater. Weight gain due to edema and cyanosis, tachypnea, and wheezing may also be evident.
A characteristic “barrel chest” is often seen in pulmonary emphysema. The appearance of the barrel chest is the result of lungs chronically over inflated with air causing the rib cage to stay partially expanded.
Two identifiers common in COPD are “blue bloater” and “pink puffer”. A blue bloater describes person with chronic bronchitis whose body responds to the increased obstruction by decreasing ventilation and increasing cardiac output. This leads to hypoxemia (oxygen deficiency in the blood) and polycythemia (excessive red bood cells). Together with retention of carbon dioxide, individuals show signs of cardiac failure and are described as blue bloaters.
A pink puffer describes a person with emphysema who has the decreased inability to oxygenate the blood. The body compensates with lower cardiac output and hyperventilation, causing a reddish complexion and a “puffing” appearance when breathing.
Treatment is aimed at preventing symptoms, and preventing complications. Persons diagnosed with COPD should be advised not to smoke. Broncho-dilators may be used to open the air passages in the lungs, inhaled corticosteroid medications can reduce airway inflammation and help make breathing easier, and antibiotics may be prescribed in the event of respiratory infections.
Administration of oxygen may eventually be necessary. Diuretics may be required. Surgery is an option for some. Lung volume reduction surgery removes small wedges of damaged ling tissue, creating extra space in the chest cavity. A single lung transplant may work for certain people with severe emphysema. Either surgery, however, may may not prolong life and has a number of complicated risks.
Comprehensive pulmonary rehabilitation may be able to improve quality of life. The combination of education, exercise, nutrition, and counseling likely comes from physical therapists, respiratory therapists, physical fitness specialists, and dietitians who create a program for individual client needs.
In this article we will discuss final expense life insurance considerations for someone with COPD taking albuterol.
Albuterol can quickly relieve shortness of breath, coughing, wheezing, and chest tightness. It’s in a class of drugs known as bronchodilators, which work by relaxing and opening air passages to the lungs.
Albuterol is used to prevent and treat wheezing, difficulty breathing, chest tightness, and coughing caused by lung diseases such as asthma and chronic obstructive pulmonary disease (COPD; a group of diseases that affect the lungs and airways). Albuterol is in a class of medications called bronchodilators. It works by relaxing and opening the air passages to the lungs to make breathing easier.
This medication does not present a problem when looking at getting approved for a life insurance policy with the carriers we use when placing someone with COPD and taking Albuterol.
If you’ve been diagnosed with COPD and looking for a final expense life insurance policy, we use four (4) companies that take COPD with first day coverage.
Let us help you find the lowest rate possible when shopping for life insurance with COPD. Get an online quote using our world class quote engine and begin your online research today.