Life Insurance With Chronic Obstructive Pulmonary Disease (COPD)

Written by The Life Insurance Blog

life insurance with copd 3Looking to find the best life insurance with COPD? Welcome to the The Life Insurance Blog where we help many consumers with all kinds of health risks, such as coping with diabetes, seeking life insurance coverage with liver disease or life insurance coverage with kidney disease, find the best rates available to them.

Chronic Obstructive Pulmonary Disease, or COPD, can definitely make it harder to find coverage, but there are plenty of carriers who specialize in affordable options for those with less than perfect medical histories. There are also options for finding a one million dollar life insurance policy with no medical exam, which may work for you.

We help you find and apply to those carriers to give you the best shot at an approval, whether that be including a medical exam, without the medical exam or a guaranteed issue life insurance policy, we will do our best to get you the coverage you deserve!

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Life Insurance With COPD

There are several ways in which you could expect to have difficulty finding the best rates for life insurance. Things like your driving record, family history, past and current health, and even daily habits or activities can all have a significant impact.

When it comes to any type of lung disease, like COPD (also called Chronic Obstructive Lung Disease, or COLD), insurance carriers need to make sure they aren’t taking on too high of a risk before they approve you. Each company has different underwriting guidelines, so finding cheap life insurance with COPD is a matter of discovering which underwriting guideline best suits you and your situation.

Here are the primary questions you may be asked about your COPD:

  • Date of Original Diagnosis
  • Type (asthma, bronchitis, emphysema, etc.)
  • Prescriptions
  • Results of Pulmonary Function Tests
  • Results of X-Ray or ECG
  • Tobacco User (Y/N)

Your answers to these questions give underwriters a little insight to how your COPD has advanced over time, as it is a degenerative disease. The worse your COPD has become overtime, the worse rating you could expect, which results in higher premiums.

Depending on the severity of your condition, life insurance with COPD ranges from very slight price increases all the way down to a possible decline. While different carriers awards different ratings based on severity, it’s tough to know where to go unless you use an independent resource, like us, who understand how to navigate the many companies.

Possible Ratings For Life Insurance With COPD

Here are some general ideas of what you may be able to expect when you apply for life insurance with COPD:


With a very mild case of COPD, you could expect as good as Non-Smoker to Table 2 rates, although we’ve seen as high as Standard Plus, which is a discounted rate. Mild is classified as undergoing no long-term treatment regimens, near normal pulmonary function tests, and no inhaler use.


With a moderate case of COPD, you could expect in the range of Table 2 to Table 4 rates. Moderate is classified as having active symptoms like persistent coughing, dyspnea, increased number of infections, and irregular abnormalities on chest x-ray. Use of steroids is restricted, although use of an inhaler can be seen if used sparingly.


With a severe case of COPD, you can expect a very low table rating or no approval at all. Severe is classified as have persistent cough, shortness of breath even for mild activity, weak to poor pulmonary function tests, and necessary use of inhalers, medications and steroids.

If you’ve ever been turned down for life insurance because of your health, don’t think that you can’t get affordable coverage. There are plenty of options for life insurance for people with COPD. One of the worst financial mistakes you can make for you and your loved ones is to not buy life insurance. Every year there are countless stories about families that lost a loved one unexpectedly. All of a sudden their lives were turned upside down and then the bills started coming in.

Not having life insurance can put your family in one of the most difficult and stressful times possible. Not only will they be dealing with the loss of a loved one, but they will also find themselves with thousands of dollars in debt that they can’t pay for. Life insurance can give them the resources they need to get through this difficult time without adding any financial stress. You can’t put a price on the peace of mind that having a life insurance policy will bring.

In all scenarios, continued use of cigarettes or other tobacco related products will greatly hurt your chances at getting approved as it greatly hastens the degeneration process of COPD. On the flip side, an excellent health record matched with an exercise regimen and healthy eating habits could play in your favor. Not only will tobacco usage harm your health, but it will also put a hurt on your wallet. Smoking cigarettes can double or triple your life insurance premiums.

One of the best ways to find the lowest insurance rates possible is to receive quotes from several different companies before you choose one. Because each company is going to look at your condition differently, they will all give you different rates. More than likely, the first company isn’t going to give you the lowest rates. Instead of spending hours and hours on the phone answering the same questions, let us do all of the work for you. We can save you hours of time and frustration.

If you are looking for life insurance with COPD, the rest of your health also matters. If you have any other health condition which could be an additional risk to the life insurance carrier, you’ll have a significantly more difficult chance of a great approval. Contact us and we’ll do our best to get you the coverage you deserve.


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