Worry Free Life Insurance with COPD taking SPIRIVA
Let’s be clear up front. Having COPD is a big deal. And as such, life insurance underwriters are particularly careful gathering information about applicants who have been diagnosed with it. People who suffer from COPD typically have it as a result of Chronic Bronchitis or Emphysema, or both. Patients with COPD are certainly not alone since about 16 million people in the U.S. are suffering from the disease. We’ll show you the best way to find Worry Free Life Insurance with COPD taking SPIRIVA.
Overview of COPD
To understand what COPD is and how it affects your ability to breathe, we need to understand how important our lungs are.
When an individual breathes in, the air travels down your windpipe into tubes inside your lungs. These tubes are referred to as bronchial tubes (your airways).
Inside your lungs, your bronchial tubes branch into many, much smaller and thinner tubes called bronchioles. These bronchioles end in clusters of tiny air sacs that are called alveoli.
There are very many blood vessels (capillaries) that run along the walls of your air sacs. When the air you breathe reaches your air sacs, oxygen passes through the sac walls and into the blood within the capillaries.
While you are breathing air in, a waste product known as carbon dioxide (CO2) moves from your capillaries into your air sacs. This process, known as gas exchange, brings air in for your body to use for vital functions and removes the CO2 (waste Product).
An individual with healthy lungs has healthy airways and air sacs that are elastic and stretchy and allow for breathing in and out without issue. If you have COPD, not only can it be hard to get air in, but also hard to get air out. The inflammation that accompanies COPD damages the bronchial tubes and the air sacs which cause the following issues:
Your air ways and your air sacs lose their elasticity.
The walls between the air sacs are destroyed.
The walls of your airways are thickened and inflamed.
Your airways make much more mucus than usual and can get clogged up.
The Outlook of COPD
Most individuals that have COPD have some form of emphysema combined with chronic bronchitis, and each condition can vary from person to person. Because of this, the general term COPD (Chronic Obstructive Pulmonary Disease) is used.
Insurers understand that COPD is a major cause of disability in the U.S. and the disease has become the third leading cause of death here. There are currently over 16 million people that have been diagnosed with COPD, and there are many more who do not realize they have it.
Although there is no cure for the disease at this time, there are many medications available to help patients manage the disease and have some quality of life. The disease is progressive and starts with minor symptoms but eventually can lead to loss of the ability to take care of one’s self.
Managing COPD with SPIRIVA
SPIRIVA is different than a rescue inhaler and does not replace it. The medication is designed to be inhaled once per day every day. When SPIRIVA is taken as directed, it will relax the airways and keep them open for about 24 hours. The medication makes it easier to breathe and improves your overall lung function.
Although the drug starts working with the first inhaled dose, it can take a couple of weeks for you to notice its full effects on your breathing, so it’s important to give the drug enough time to work for you. It’s important to note that SPIRIVA is not a replacement for a rescue inhaler. Patients are advised to keep prescriptions for a rescue inhaler up to date and always have one nearby. As with most drugs, there are certain side effects that have been reported by users of SPIRIVA:
• Dry mouth
• Sinus infection
• Sore throat
• Upper respiratory tract infection
• Chest pain
• Urinary tract infection
• Runny nose
• Blurred vision and eye pain
Patients who should not take SPIRIVA are those who may be allergic to tiotropium and ipratropium. Patients are advised to gargle with water after each dosage.
What Questions Your Underwriter will ask if You’re Taking SPIRIVA
Since SPIRIVA can be prescribed for more than one health issue, your underwriter will have specific questions about it:
o Why were you prescribed SPIRIVA and when was it first prescribed?
o Are you taking any other medications such as a rescue inhaler?
o Have you smoked tobacco in the past 12 months and if so, how much?
o Have you smoked marijuana in the past 12 months and if so, how much?
o Have you ever been hospitalized for your condition?
o Have you had to visit the ER because of symptoms?
o Are you currently working?
o Have you applied for or received any form of disability benefits?
Please check out our article on Worry Free Life Insurance with COPD taking Atrovent
Setting Your Expectations
If you are in the early stage of COPD and experiencing minor symptoms, it’s unlikely that you will have been prescribed SPIRIVA. In these cases, many insurers who entertain high-risk applications are likely to assign a standard rating, and you will be paying what most others pay for your life insurance.
If your case of COPD has progressed to the point that you need to use medications like SPIRIVA, you may still be offered traditional life insurance coverage, but you will likely be assigned a table rating which will result in a higher rate.
For people suffering from COPD and the disease has progressed to a point where you are unable to work, have been awarded disability benefits, or need some assistance with normal daily activities, your application will likely be declined, and your only alternative will be simplified issue life insurance policy.
There is an Alternative
There is good news even if you’ve been turned down for traditional life insurance. If you were smart and took advantage an experienced independent insurance professional, he or she can offer you a simplified issue life insurance which does not require a medical exam and only a few medical questions. Yes, you will pay more than you would have for traditional coverage, but it is certainly better than having no life insurance at all.
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)
For more information about getting worry free life insurance with COPD taking SPIRIVA, take advantage of our world class quote engine to receive a free and confidential quote or contact the insurance professionals at Life Policy Shopper through our website when it’s most convenient for you.