Worry Free Life Insurance with COPD using a Nebulizer
Mainly because of the characteristics of the illness, buying reasonably priced life insurance with COPD can be challenging. Because there is no recognized cure for COPD, the significance of the illness along with your overall health and well-being will be the characterizing factor if an insurer will issue your insurance coverage and how much they will charge for the policy each year.
Symptoms, Treatment, and Prognosis
Taking into consideration that somewhere around 15 million Americans have been identified with COPD, and an extra 12 million may have it but have not been diagnosed with it so far, the illness is well recognized to individuals all across the nation.
Chronic Obstructive Pulmonary Disease
COPD manifests when chronic bronchitis and emphysema intersect in a patient. Each time you inhale, the air moves through the tubes (airways) in your lungs to a multitude of really small air sacs. If your lungs are in average or better shape, the air passages are unrestricted, and so the air sacs fill with the oxygen you breathe in and then easily breathed out.
When a patient has COPD (chronic obstructive pulmonary disease), It becomes stressful to get the necessary oxygen through your air tract and subsequently in and out of your air sacs. The disease will typically involve two significant problems:
Emphysema: Emphysema occurs when your air sacs are impaired, or the tiniest breathing tubes in the lungs have collapsed.
Chronic Bronchitis: Chronic bronchitis occurs when there is a substantial increase in hacking and coughing and the development of mucus which is produced as a result of inflammation of the airways. It is considered chronic when a person coughs and produces substantial mucus during the majority of days in a three-month period in a year for at least straight years.
What are the Causes?
Industry experts know that smoking tobacco is the primary cause of COPD. In fact, cigar and cigarette smoking is considered to be responsible for 80 to 90% of all sufferers. These professionals have also uncovered that exposure to industrial airborne pollutants for long durations make up the other 20%. Any of these exposures can cause inflammation of the linings of the air passages in the lungs and can further cause the air passages to compromise their elasticity.
Typical Symptoms of COPD
The most predominant indicators and symptoms of chronic obstructive pulmonary disease are repeated coughing that can produce significant amounts of mucus, shortness of breath, and ongoing fatigue. Typically, as the disease becomes more serious, each symptom will usually become problematic.
Even though COPD is regarded as a progressive disease with no known cure, it will generally get progressively more severe over time and will have to be managed effectively for the patient to have any quality of life.
Treatment for COPD
Having been diagnosed with COPD should be considered serious but certainly not regarded as the end of the world for the impaired person. Individuals with a mild type of the illness will most likely need only lifestyle modifications like giving up smoking, not being exposed to second-hand tobacco smoke and keeping away from environments where there is exposure to any artificial and chemical pollutants.
For affected individuals that keep suffering from symptoms like tightness in the chest area and trouble breathing, there are medicines such as Albuterol that can be inhaled using a nebulizer to relax and dilate bronchial tubes to breathe more freely.
Nebulizers are typically used by COPD patients that occasionally use Albuterol to relax their airways and have not been prescribed a corticosteroid. The patient should still have access to a rescue inhaler in the event of an emergency situation.
A nebulizer is also a good method to reduce the cost of using Albuterol since inhaling the drug with a nebulizer instead of through a rescue inhaler is a lot more cost effective.
Will Using a Nebulizer Affect my Life Insurance Rates?
The fact that you use a nebulizer will not have any effect on your insurance rates. The effect on your rates is caused by your diagnosis of COPD, the severity of the condition, and the medications that have been prescribed.
Although typical medications that are prescribed for COPD are for dilating the bronchial tubes which enables the patient to breathe more freely, many of them can produce significant side effects and even death from an accidental overdose.
Albuterol, for example, is prescribed in several different manners: solution for a nebulizer, metered dose inhaler (rescue inhaler), immediate-release tablet form, or extended release tablet. Common side effects of Albuterol are irregular heart rate, shakiness and nervousness, headache, sore throat, chest pain, dizziness, and a runny nose. If, after taking Albuterol, your symptoms do not subside, you should contact your doctor about a different type of medication. Using more and more Albuterol can be very dangerous.
Be sure to check out our article on Worry Free Life Insurance with COPD taking Albuterol
How to Find Worry Free Life Insurance With COPD Using a Nebulizer
If you plan to apply for conventional life insurance in order to receive the most economical rates, and you have been recently diagnosed with COPD, the agent you select to represent you is a really important decision. Professionals who have displayed success with high-risk conditions will typically submit your application in a way that features your prognosis over the actual disease.
Since independent life insurance agents generally represent multiple high-risk insurers, they will usually be in a position to provide a life insurance option no matter what condition you present. If your application is denied because of health reasons, an independent agent is very likely to have an alternative insurance policy that will help meet your needs and your budget.
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.
Program Guarantees
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 applicants with chronic or severe COPD, a simplified issue policy which does not require health information will likely be your only choice for getting 1st day coverage.
For more information about purchasing life insurance with COPD, 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.
Last Updated on August 15, 2017 by lifepolicyshopper