Last Updated on August 15, 2017 by lifepolicyshopper
Worry Free Life Insurance with COPD taking Symbicort
Due to the nature of the disease, buying reasonably priced life insurance with COPD can be difficult. Because there is no recognized cure for COPD, the seriousness of the disease, as well as your overall health, will be the defining factor if a life insurance company will offer you Worry Free Life Insurance with COPD taking Symbicort and how much the company will want to charge for it.
Symptoms and Treatment
Given that about 15 million Americans have been diagnosed with COPD, and an additional 12 million may have it but know it yet, the disease is well known to Americans all across the country.
What is COPD?
COPD is the result of chronic bronchitis and emphysema intersecting in a patient. Whenever you breathe in, the air goes through the tubes (airways) in your lungs to countless numbers of extremely small air sacs. If your lungs are healthy and strong, the airways are open, and so the air sacs fill up with the oxygen you breathe in and is subsequently breathed out.
When you have got COPD (chronic obstructive pulmonary disease), It becomes challenging to get oxygen through your airways and subsequently in and out of your air sacs. The illness will normally consist of two major problems:
1. Chronic Bronchitis – Chronic bronchitis presents as an increase in coughing and an increase in the production of mucus which results from inflammation of the airways. It is considered to be chronic when a patient coughs and generates considerable mucus during most of the days of a three-month time frame in a year for two successive years.
2. Emphysema – Emphysema comes about when there is an injury to your air sacs or a collapse of the smallest breathing tubes in your lungs.
Causes of COPD
Experts acknowledge that cigarette smoking is the primary cause of COPD. In fact, smoking cigarettes is considered to be accountable for 80 to 90% of all cases of the disease. Experts have also found that being exposed to industrial pollutants for long time periods makes up the other 20% of COPD cases.
Both of these exposures can end up in inflammation of the linings of the airways in the lungs and can also make your airways lose their elasticity.
The most typical symptoms and indications of COPD are coughing that usually produces mucus, shortness of breath, and fatigue or exhaustion. Normally, as the disease becomes more serious, these symptoms are very likely to become problematic. Since the condition is progressive with no identified cure, it will get increasingly worse over time and has to be managed, so the affected person will have a quality of daily life.
Getting diagnosed with COPD is concerning and disappointing but most certainly not regarded as the end of the world for the patient. Patients with a mild stage of the disease will very likely require only lifestyle modifications such as quitting smoking, not being exposed to second-hand smoke, and getting out of working environments where there is constant exposure to chemical pollutants.
Treatment with Symbicort
For individuals who are suffering from COPD that is no longer considered to be in its mild stage, the symptoms can become very challenging, and a stronger medication will be prescribed in order to manage these symptoms. Symbicort is one of the more popular medications among pulmonologists.
Symbicort contains a combination of two drugs, budesonide and formoterol. Budesonide is a steroid that will reduce inflammation in the airways, and formoterol is a bronchodilator that relaxes the muscles in the airways and allows for easier breathing. This effective medication is used to prevent bronchospasm (shortness of breath) in people with chronic obstructive pulmonary disease (COPD). Although Symbicort can deliver significant relief to COPD patients, there are several side effects that can be associated with taking this medication:
• Frequent headaches
• Throat irritation
• Nausea accompanied by vomiting
• Upset stomach
• Back pain
• Stuffy nose
• Muscle or joint pain
• Changes in your voice
Be sure to check out the article Worry Free Life Insurance with COPD taking Anoro Ellipta
How will COPD and Symbicort Affect My Life Insurance?
Having COPD does not indicate an instant decline when you apply for conventional life insurance. In fact, most applicants with mild cases of COPD frequently receive a standard rating or a rating slightly below standard.
Individuals with moderate COPD usually experience considerable coughing and have bouts with shortness of breath. These types of symptoms will call for some form of medication, like Symbicort and will usually result in a sub-standard rating if the application is accepted.
For applicants who are suffering from severe COPD, the better route to take is Simplified Whole Life insurance where there is no medical exam requirement and the insurers that offer this product are usually experienced with high-risk cases. There are several insurers available that will allow a standard rating as long as your COPD is well managed and you do not use oxygen as a result of your symptoms.
Unfortunately, there are some applicants that have COPD and also present other risk factors as well and may not be able to obtain traditional life insurance even with a mild form of COPD. Applicants who have COPD and continue to smoke will also qualify for a simplified whole life policy as well.
Find an Independent Agent who specializes in High-Risk Cases
Since you are considered a high-risk applicant because of your COPD, it’s critical that you approach an agent who specializes in high-risk cases and represents multiple insurance companies that will insure high-risk applicants. Agents that are successful in placing high-risk cases generally spend more time helping their client get through the underwriting process and will always have an alternative insurer if things do not work out favorably for their client.
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)
Start by contacting the insurance professionals at Life Policy Shopper and take advantage of our world class quote engine to receive a free and confidential quote. For more information about Worry Free Life Insurance with COPD taking Symbicort, you can contact us through our website at your convenience.