COPD & Life Insurance
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COPD & Life Insurance
When you are living with COPD you will find that most insurers have questions about this, when you apply for life insurance. The insurer just wants to check how the COPD is affecting you and overall health.
There are many things about your circumstances and your COPD that could alter which insurer is going to be best for you.
To get things started we will ask you:
- When were you diagnosed with COPD?
- What treatments do you take for COPD?
- What symptoms do you experience of COPD?
- Are you currently using any form of nicotine products or nicotine-free vapes?
- Do you have any outstanding tests or investigations?
When you apply for life insurance it is likely that any terms you are offered are what is known as non-standard terms. This means that the insurer has increased the cost of the life insurance above their normal premiums, due to having COPD. This doesn’t mean that you are going to be paying a ridiculous premium for your life insurance, but it is important to be aware that the premium you first see when you apply for life insurance is unlikely to what is offered after underwriting has taken place.
If you are currently a smoker you will find that your life insurance policy needs to be placed with more specialist insurers that can consider your application. It can be quite tricky with insurance as they will class you as a smoker for any nicotine based product that you use, so if you don’t smoke cigarettes and use nicotine patches, you are still classed as a smoker. Life insurance with the specialist insurers can be a potential option for you, but it generally is not the cheapest option.
There are some life insurance products where this change of premium doesn’t happen. These are often quite easy to arrange and don’t go into a lot of medical information, but they usually include quite extensive exclusions and it is essential that you understand what these are.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
COPD & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
When you have COPD it is unlikely that you will be able to arrange critical illness cover with most insurers. You will find that any options for critical illness cover will exclude claims that are related to the COPD.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
COPD & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
When you apply for income protection you will need to place your application with a specific insurer that can consider your cover. Many mainstream insurers will not be able to accept your application for income protection.
With any personal income protection policy that you arrange there will be exclusions for any claims relating to your COPD. There are sometimes options that don’t have exclusions, these are potentially available through your employer.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
COPD & Travel Insurance
Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place. You can find out more about getting a quote on our travel insurance page.
What is COPD?
COPD is diagnosed when a person is having persistent and long-term difficulty with their breathing. This can be caused by a number of factors, but it is most commonly linked with people that are smokers or have smoked significantly in their life. Environmental factors, occupational exposure and genetics, can all play a part in the development of COPD.
Also: Chronic obstructive pulmonary disease
Linked with: Emphysema, chronic bronchitis, lung cancer, high BMI, diabetes, smokers
Possible Effects on Lifestyle
Some of the symptoms people may experience living with COPD:
- Chest infections
- Chest pain
- Difficulty sleeping
- Shortness of breath
- Swollen ankles
- Tiredness
Medications and Treatments
- Acetylcysteine
- Aclidinium
- Ambulatory oxygen therapy
- Aminophylline
- Antimuscarinic inhalers
- Beta-2 agonist inhalers
- Bullectomy
- Carbocisteine
- Formoterol
- Glycopyronium
- Indacaterol
- Ipratropium
- Long-acting bronchodilator inhalers
- Long-term oxygen therapy
- Lung transplant
- Lung volume reduction surgery
- Nebulised medicine
- Non-invasive ventilation (NIV)
- Pulmonary rehabilitation
- Roflumilast
- Salbutamol
- Salmeterol
- Short-acting bronchodilator inhalers
- Steroid inhalers
- Terbutaline
- Theophylline tablets
- Tiotropium
Further Reading and Research
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Common Questions
Hi, thank you for getting in touch. I am sorry to hear that this is what you have experienced when applying for life insurance. With your diagnosis being quite recent it could be that the insurers just want to wait a little while, to see how you respond to treatments and how your symptoms settle.
Let’s plan a time to have a chat and we can then let you know the best approach going forward.
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 836 reviews.
Review by Abigail on 23rd December 2024
“Excellent service. Very helpful, friendly service. Found me a package to fit my requirements which I was not able to find with anyone else due to my condition.” - 5
You can read more of our reviews here.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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