State Regulated Programs For Those with COPD

Because of the nature of the disease, purchasing affordable life insurance with COPD can be problematic. Since there is no known cure for COPD, the severity of the condition along with your overall health will be the determining factor if an insurance company will issue your policy and how much they will need to charge for it.

COPD: Symptoms, Treatment, and Prognosis

Since about 15 million Americans have been diagnosed with COPD, and another 12 million may have it but haven’t been diagnosed yet, the disease is well known to Americans all across the country.

How will COPD Affect My Life Insurance?

The good news is that having COPD does not mean an automatic decline when you apply for life insurance. In fact, we have carriers that take COPD cases at the standard level and some at the preferred level.  We use affordable simplified issue whole life policies.  These state regulated programs do not require a physical.  An application typically gets approved in 2 to 3 business days.  

Applicants with moderate COPD typically experience significant coughing and have bouts with shortness of breath. These symptoms will require some form of medication, and that usually results in a sub-standard rating if the application is accepted.

We use multiple carriers that offer first day coverage for those with COPD.  Don't accept a modified or guaranteed issue product.  Let us help you find first day coverage with the most death benefits.