Qualifying for burial insurance with Chronic Bronchitis can be a problem for some people. But, don’t get discouraged because many people are still able to get great coverage with this and other health problems. There are several ways you can obtain affordable burial insurance coverage if you have a health history that includes chronic bronchitis.
Trying to find funeral or burial insurance coverage can be tricky and nearly impossible if you’re looking at the wrong plan. That is why it is vital to work with an independent life insurance agency like Funeral Funds to help you through the process when you’re looking for an affordable burial insurance policy.
Living with chronic bronchitis doesn’t mean you can’t protect your family from the increasing cost of a funeral. Burial insurance will give your family peace of mind when you leave this world behind. Coverage is available for people with all type of health conditions including chronic bronchitis.
While it is certain that people with chronic bronchitis along with other health conditions can automatically get a guaranteed issue life insurance, our goal is always to get you a lower premium and an immediate death benefit. We will assist you in finding the coverage you need at the price you can afford.
We have lots of experience in helping people with chronic bronchitis secure affordable burial insurance policy. We will assist you in obtaining the funeral coverage you need. Today we’re going to explore how insurance companies treat someone with chronic bronchitis, what options are available for you and how to get the best plan.
WHAT IS CHRONIC BRONCHITIS?
Bronchitis is the swelling of the lining of the bronchial tubes, the airways that carry the air to your lungs.
The inflamed bronchial tubes cause a cough that produces a lot of mucus. It can cause shortness of breath, a low fever, wheezing, and chest tightness. Cigarette smoking is the most common cause. Breathing in air pollution, dust, or fumes over a long period of time may also cause it.
There are two major types of bronchitis acute and chronic:
Acute bronchitis – develops from a cold or other respiratory infection. It often improves within a few days without lasting effects.
Chronic bronchitis – when the symptoms of bronchitis last more than 90 days it is classified as chronic. The inflamed bronchial tubes produce a lot of mucus and restrict the amount of airflow going into and out of the lungs.
Chronic bronchitis is a long-term condition keeps coming back and develops into a chronic obstructive pulmonary disease. According to the American Lung Association, more than 11 million Americans have COPD and many more people don’t even know they have it.
Chronic bronchitis often appears with emphysema, which is a condition that involves the destruction of the lungs over time. It is usually diagnosed through a chest x-ray to determine the extent of the lung damage. One of the complications of chronic bronchitis is your lungs became vulnerable to infections. This condition can’t be cured but the symptoms can be managed with treatment once a diagnosis is made.
Symptoms of Chronic Bronchitis
After a long period of inflammation in the bronchial tubes, chronic bronchitis can result in several symptoms including:
- A heavy cough with white, clear, yellow or green colored mucus
- Excess mucus build up in the lungs
- Difficulty in breathing
- Chest tension
- Sinus congestion
- Weight loss
- Swollen ankles, feet or legs
- Blue shade to the lips or fingernail beds
Chronic bronchitis is commonly caused by cigarette smoking; over 90% of patients have a history of smoking.
Secondhand smoke can also cause the development of chronic bronchitis. Other possible causes of chronic bronchitis include extended exposure to air pollution, chemical or industrial, and toxic gases. Repeated infections of the lungs may also cause further damage to the lungs and make the symptoms worse.
AM I ELIGIBLE FOR BURIAL INSURANCE IF I HAVE CHRONIC BRONCHITIS?
YES, you can be eligible for burial insurance even if you have chronic bronchitis or other lung diseases.
Chronic bronchitis can make getting insurance coverage difficult, but it is not impossible. As medications improve, more companies are allowing people with chronic bronchitis to get full first-day coverage.
Some companies will give you immediate coverage and treat you as a healthy individual. Many companies offer this incredible value if you don’t have other health issues that may preclude you from getting approved.
Recent heart problems, very bad diabetes or more severe cases of COPD requiring supplemental oxygen will make it challenging to get a level death benefit without a waiting period. If you are on oxygen use, you have to wait two years before you can get full coverage.
Other companies will offer you graded benefits that pay a portion of the death benefit during the first two years.
The application process for burial insurance is very straightforward. You will not have to take physicals or medical exam. You don’t have to provide your doctor records either. You will only have to answer a few health questions.
In most cases, the insurance carrier will get you a decision regarding your eligibility in under 15 minutes.
HOW BURIAL INSURANCE COMPANIES VIEW CHRONIC BRONCHITIS
Chronic bronchitis can be complicated if it exists with other health conditions.
During the funeral insurance application underwriting, the insurance company will want to know your age when you were diagnosed, what prescription medications you are taking, and your history of tobacco use.
The biggest complication will be if your chronic bronchitis occurs with asthma or emphysema. The insurance company will ask if you have been hospitalized for your condition. In many cases, you will be able to qualify for a level death benefit if your condition is well-controlled.
If you are using medications regularly, you have no current hospital visits, and you don’t use tobacco products, your ability to manage your condition will be looked at more favorably by the insurance companies.
If your condition is moderate, you will likely be offered a graded death benefit. You will a two-year waiting period in this case. Your beneficiary will not receive your full death benefit if you pass away during that time from natural causes.
If you have chronic bronchitis, in addition to other medical conditions, there’s a good chance that you will not qualify for a level death benefit, and you will need to consider a guaranteed acceptance policy.
FUNERAL & BURIAL INSURANCE WITH CHRONIC BRONCHITIS
Funeral insurance policies are simplified issue life insurance that asks health questions and must undergo a few different medical checks through different databases, such as the medical information bureau and a national prescription database.
Level death benefit
If you have no other health conditions other than chronic bronchitis, you will qualify for a level death benefit without waiting period. You are covered immediately from day one! Your beneficiary will get 100% of the death benefit whenever you pass away.
For example, if you die six months after your policy is in force, then your beneficiary will get 100% of the death benefit. It is the highest level of funeral insurance death benefit and the first we want our clients to qualify for.
Graded death benefit
A graded death benefit is the next best type of death benefit after level death benefit.
If you have other medical conditions such as diabetes, high blood or asthma pressure in addition to chronic bronchitis you may qualify for a graded death benefit. It is the next level you should try if you don’t qualify for a level death benefit.
Your beneficiaries will not get the full death benefit when you pass away, but they will receive a percentage of the death benefit.
For example, you purchase a $25,000 death benefit and you die during the first year, and your policy will pay out $10,000 or 40% of the death benefit. If you die during the second year, the policy will pay out $17,500 or 70% of the death benefit.
Not all burial plans offer this type of benefit; check with your agent what companies provide this type of plan.
Guaranteed acceptance life insurance does not require a medical exam or ask any health questions. These policies are limited in the death benefit amount they don’t exceed $25,000, and they have a graded death benefit. It is the final type of funeral or burial insurance for severe chronic bronchitis patients who have other medical conditions or on supplemental oxygen use. It should be your last option if you can’t qualify for a level death benefit.
All guaranteed acceptance life insurance offers a return of premium plus interest which is typically 10%. If you pass during the first two years of the policy your beneficiary will get all the premiums that you paid in, plus 10%.
WHAT MEDICATIONS DO THE INSURANCE COMPANIES LOOK FOR WHEN I HAVE CHRONIC BRONCHITIS?
Chronic Bronchitis Treatment
Chronic bronchitis therapy is intended to relieve symptoms, prevent complications and slow the progression of the disease. Quitting smoking is vital for patients with chronic bronchitis.
Treatment may include:
- Bronchodilator Medications
- Oxygen therapy
- Pulmonary rehabilitation
There are two primary classes of medications used to treat chronic bronchitis – bronchodilators, and steroids.
Bronchodilators work by relaxing the smooth muscles that encircle the bronchi which enable the inner airways to expand. Steroids reduce the inflammatory reaction which decreases the bronchial swelling and secretions that allow better airflow because of the reduced obstruction in the airway.
Anti-inflammatory agents like PDE4 inhibitors are used to treat exacerbations of chronic bronchitis. They are primarily for increasing severity of the condition, particularly for excessive mucus production.
Antibiotics are also used to treat chronic bronchitis exacerbations caused by bacterial infections. Broad-spectrum antibiotics are often used to treat severe cases of chronic bronchitis.
Here’s a list or prescription medication for chronic bronchitis:
If the insurance company determines that you are taking any of these medications, you will often be considered as chronic bronchitis patient. Your prescription history is a part of the application process. If you are taking any of these medications, you won’t be able to hide it.
Every burial insurance company has different underwriting. You will need our help to look into your medications to see which companies would be most accepting of your chronic bronchitis and your medications.
If you are taking supplemental oxygen, read this article. Oxygen use prevents you from qualifying for level death benefit with any burial insurance company. However, you can get a plan that protects you partially during the first two years.
WHAT WILL INSURANCE COMPANIES OFFER ME IF I HAVE HAVE CHRONIC BRONCHITIS?
Every burial insurance company looks at chronic bronchitis differently. Below are possible offers you will receive if you have chronic bronchitis diagnosis.
- They offer you immediate coverage – The insurance companies will approve your application even though you have chronic bronchitis. You will pay a lower premium monthly, and you are immediately covered from day one of your policy.
- They will offer you immediate protection, but they will charge you a higher monthly premium.
- They will offer you a graded death benefit, and they will charge you a higher monthly premium. Your death benefit payout is limited during the first two years of the policy. They will pay 30% of the death benefit during the first year, and 70% death benefit in the second year.
- They will offer you a two-year waiting period, and they will charge you a higher premium. Your beneficiaries will not get the full death benefit if you die during the waiting period (unless your death is the result of an accident). They will receive the refund of all your premiums plus interest in the first two years for non-accident related deaths.
HOW LONG SHOULD I WAIT BEFORE PURCHASING BURIAL INSURANCE WITH CHRONIC BRONCHITIS?
If your chronic bronchitis is mild and you can qualify for a level death benefit, buy it now!
Do not be like other people who consider getting burial insurance but decided to wait. Do not think twice because there is no cure for chronic bronchitis and it may eventually lead to COPD. Your situation may progressively get worse and never improve.
The more symptoms you develop, and the more treatments you receive will often disqualify you from the desired level of coverage.
The good news is that insurance coverage is available for anyone who has chronic bronchitis. You need to be within the height and weight guidelines and pass all the health questions to qualify for a level death benefit. And, you are always eligible for guaranteed acceptance is your situation gets worse, or if you are taking supplemental oxygen.
We can guide you through the whole application process to get the right policy the first time. It will prevent getting a life insurance decline on your record. There are few companies that that will not accept anyone who has previously been declined for this insurance in the last 12 months.
HOW TO FIND THE BEST BURIAL INSURANCE POLICY WITH CHRONIC BRONCHITIS
Here’s the deal…living with chronic bronchitis does not mean you can’t protect your family from increasing funeral expenses.
You can qualify for burial insurance with this medical condition. Funeral Funds is an independent burial insurance agency with access to many A-rated companies you can work with.
Having multiple companies to choose from is vital when you have an illness like chronic bronchitis. Most burial insurance company will impose a two-year waiting period and charge you a higher premium. But we can match you with the best burial insurance company that offers immediate coverage even if you have chronic bronchitis.
This is why it’s essential to work with a company like Funeral Funds to guide you through the process when you are looking for affordable burial insurance. We can find the right plan for you with the best price and the best value of coverage.
HOW CAN WE HELP YOU?
Trying to find a policy if you have had chronic bronchitis it can be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have chronic bronchitis, let us help you; we will work with you side by side to find a plan that fits your needs.
You don’t need to waste your precious time searching for different insurance companies; we will do the work for you. We can shop your case to different companies to get your application approved.
Here at Funeral Funds, we specialize in obtaining life insurance coverage for people with burial insurance with a history of chronic bronchitis.
We work with many A-rated insurance companies that specialize in high-risk clients. We will search those companies to give you the best rate ever. We’ll match you up with your best funeral and burial insurance option.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for burial insurance with chronic bronchitis in your medical history, we can help.
Fill out our quote form on this page or call us at (888)862-9456 and we can give you an accurate quote.