COPD Life Insurance

We understand at Your Life Protected that finding an insurance policy if you have a pre-existing medical condition can be difficult. If you suffer from COPD, it can be particularly hard. With a wealth of knowledge in the Life Insurance market, we know where to look to ensure the highest chance of securing a life insurance policy for people with COPD.

Many companies who offer life insurance will nearly always increase premiums after a confirmed diagnosis of COPD. Knowing which insurer will be most sympathetic to your situation can be key.  That’s where we come in.

Part of the process of purchasing COPD Life Insurance is understanding why Life Insurance providers may increase your premiums when you have a pre-existing medical condition. The following information helps to answer any questions that you may have.

Will having COPD affect the cost of Life Insurance?

Chronic obstructive pulmonary disease, often shortened to COPD, is an irreversible condition of the lungs, in which the small airways become narrowed (bronchitis) and the air sacs become damaged (emphysema). To find out more on the causes and symptoms of COPD, read more from the British Lung Foundation.

Almost all cases of COPD are as a result of smoking. The severity of disease often correlates to the amount and length of time an individual has smoked for. According to the British Lung Foundation: “People who don’t smoke but have long-term severe asthma can get COPD. It can also be caused by long-term exposure to air pollution, fumes and dust from the environment or your place of work.

Because of the potential complications caused by COPD, you may find that insurance providers will want to increase the price of Life Insurance policies. Before offering a quote, the underwriters will want to get a good understanding of your condition, including the length of time that you have suffered and the treatment methods you use to control the symptoms. The more severe your COPD, the greater the impact you will be likely to see in life insurance premiums.

Life Insurance with COPD

You will find that insurers will want to know a number of pertinent details about your COPD as part of the process of determining a life insurance premium. They are likely to ask you the following questions before quoting for COPD life insurance:

  • When were you diagnosed?
  • Do you ever use an oxygen cylinder?
  • How often do you use a Nebuliser?
  • Are you able to work because of this condition?
  • When you have symptoms does your inhaler resolve your symptoms?

At Your Life Protected, we work with the leading Life Insurance providers in the UK, as well as specialist insurers, to secure you life insurance with COPD. We understand their underwriting procedures and will be able to identify which company will be able to offer the best COPD Life Insurance quote for you.

To find out more, get a better understanding of our process or to obtain a quotation simply go to Get a Quote or give our experts a call on 01275 404268.

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We work with the best

We work with the UK's leading & specialist Life Insurance providers.

  • AIG
  • Aviva
  • Legal & General
  • Liverpool Victoria
  • Royal London
  • Scottish Widows
  • The Exeter
  • Vitality
  • Zurich
  • Guardian
  • Shepherds Friendly
  • HSBC Life

All conditions we cover:

If you are looking for Life Insurance and you have a medical condition, we can help. Talk to our Life Insurance experts today.