2023 How to Qualify for Burial Life Insurance with COPD

Qualifying for burial insurance with COPD can be challenging. As you may already know, it can be tough to find affordable burial insurance when you have COPD. Chronic lung disease is one of the hardest issues to cover regarding burial insurance.

Here’s the good news!

Getting approved for burial insurance with COPD is possible.

Many people with COPD were able to get insurance coverage. There are several ways you can secure affordable burial insurance coverage with COPD.

Finding the right life insurance company is the key to getting affordable burial insurance with COPD.

Find the life insurance company that specializes in offering high-risk policies. The easiest way to do that is by working with a knowledgeable life insurance agency like Funeral Funds that can assist you in finding the right company that will accept your lung disease and get you covered with the lowest pricing.


What Is My Best Insurance Option If I Have Copd?


You will qualify for a level death benefit if you have mild COPD with no other health conditions. Your coverage is immediate (effective on the first day), and you don’t have to settle for a two-year waiting period.

When you die, your beneficiary will get 100% of the death benefit.

Best Option: Level Death Benefit (First-day Coverage)


This is the next best type of burial insurance. If you have moderate COPD and are not healthy enough to qualify for a level death benefit plan, this is the next benefit level you should try to get.

You can even qualify if you are on oxygen (as long as you are not on oxygen 24 hours a day).

You may be eligible for first-day benefits with additional coverage phased in over time.

Best Option: First Day Benefits (Hybrid first-day coverage)


You will qualify for guaranteed acceptance life insurance if your COPD is severe or you have end-stage chronic obstructive pulmonary disease.

This will be the only plan you qualify for if you are on oxygen 24 hours a day.

If you pass away during the first two years of the policy, your beneficiary will get all the premiums that you paid, plus interest, usually 10%. All guaranteed issue policies have graded or modified death benefits; none of them offer a level death benefit.

Best Option: Guaranteed issue (modified death benefit)

What Types Of Burial Insurance Should I Avoid?

Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $100,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate

What Type Of Burial Insurance Is Best?

1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES

If I Have COPD, Do I Need A Medical Exam To Qualify For Burial Insurance?

Burial insurance companies do not require a medical exam to qualify for coverage. If you have COPD or any progressive lung disease, getting burial insurance with no medical exam is your best option.

Burial Insurance Underwriting If You Have COPD

Burial insurance companies conduct underwriting by asking health questions and checking your prescription history to verify your medical condition.

You will typically see COPD asked this way:

  • During the past 24 months, have you been diagnosed by a physician as having or been treated for emphysema or chronic obstructive pulmonary disease (COPD)?
  • Within the past 24 months, have you been medically diagnosed or treated, taken medication for chronic obstructive pulmonary disease (COPD), or required oxygen equipment to assist in breathing?
  • Have you ever been diagnosed with, received, or been advised to receive treatment or medication for chronic obstructive pulmonary disease (COPD) or emphysema?

If you have COPD, you must answer “yes” to these health questions.

Do you have other health problems aside from COPD? Check this table to understand your eligibility.

AFIB1st-day Coverage

CancerOver 2 years = First day coverage
Under 2 years = Hybrid coverage
Cholesterol1st-day Coverage
Congestive Heart FailureHybrid Coverage
COPDPossible 1st-day coverage if no oxygen or smoking
Dementia2-year wait only
Diabetes1st-day Coverage
Dialysis2-year wait only
Heart AttackOver 2 years = 1st-day coverage
Under 2 years - Hybrid coverage
Heart SurgeryOver 2 years = 1st-day coverage
Under 2 years - 2 year wait
High Blood Pressure1st-day Coverage
Hospice2-year wait
Liver DiseaseHybrid Coverage
Neuropathy1st-day Coverage
Nitroglycerin UseHybrid Coverage
Nursing home2-year wait only
StrokeOver 2 years = 1st day coverage
Under 2 years - Hybrid coverage
Terminal Illness2-year wait only
Oxygen UseHybrid coverage in no 24 hour oxygen use
Wheelchair UseHybrid Coverage

What Medications Do The Insurers Look For When I Have COPD?

Burial insurance companies will look for your medication to determine whether or not you have COPD. They will not look for your prescription to determine the severity of your condition. Their only purpose is to discover if you have COPD or don’t.

Part of your burial insurance underwriting process is when the insurance companies check your prescription history.

The insurance company will electronically check your prescription history to verify your medical condition. The prescription check is a critical component of their risk analysis.

There are certain medications they will look for if you have COPD. Here is a list of common COPD medications.

If you ever take these medications, you will be considered a COPD patient.

  • Aclidinium bromide
  • Anoror Ellipta
  • Arformoterol
  • Arcapta
  • Atrovent HFA
  • Brovana
  • Budesonide
  • Combivent
  • Daliresp
  • Duoneb
  • Fluticasone
  • Ipratropium Bromide
  • Prednisone
  • Spiriva

Here are some of the most common dual-purpose COPD and asthma medications on insurance companies’ watch list. Both asthma and COPD have the same medications that treat both conditions.

If you are on these medications, it does not mean that the insurance carriers will view you as a COPD patient, but if you have filled a prescription for these medications, it could be for COPD.

  • Advair
  • Azmacort
  • Albuterol
  • Dilor
  • Serevent
  • Symbicort
  • Proventil
  • Tilade
  • Theodur
  • Ventolin
  • Xopenex

If you are taking any prescription medications to treat your COPD, disclose that information on your life insurance application.

Will These Medications Make Me Ineligible For Burial Insurance With COPD?

Some insurance companies look for a combination of certain drugs. If you are taking 2-3 medication combos for asthma and COPD, they may consider you as a COPD patient. It varies from company to company, and they have different procedures to come to these conclusions.

If you are taking any COPD medication, you can still be eligible for burial insurance with COPD. Most individuals with COPD can qualify for burial insurance without a medical exam.

Funeral Funds works with top-rated insurance companies that will qualify you for COPD burial insurance.

COPD Oxygen Use And Life Insurance

If you are on oxygen to treat your COPD, your best option is our hybrid first-day benefits program (if not using oxygen 24 hours a day).

Every life insurance carrier will ask about oxygen use. If you say yes to oxygen use, you will be flat-out declined by all companies that offer first-day coverage. We recommend our hybrid first-day benefits program (if not using oxygen 24 hours a day).

EXCEPTION: The only exception for oxygen use is if you use it due to sleep apnea.

Why Do You Need Guaranteed Issue Burial Insurance If You Have Severe COPD?

We recommend buying a guaranteed issue burial insurance plan despite the two-year waiting period because your health could change at any time. We don’t know what will happen tomorrow, and your lung function could worsen. You will be prescribed oxygen to breathe.

Postponing your application is not wise.

Getting a guaranteed issue policy will be your only option for coverage. Since a guaranteed issue policy is your only option for coverage, apply now and start working on your waiting period.

This means you still have to wait two years before being covered for a natural cause of death. If you get a policy now, you start on the waiting period immediately, and whatever happens to your health, you are covered after the waiting period.

Guaranteed acceptance life insurance is the best life insurance plan for severe COPD. It may be more expensive than plans with health questions, but it is, guaranteed. Your acceptance is guaranteed without having to answer any health questions or undergo any medical exam.

Purchase a guaranteed acceptance life insurance NOW if you have COPD. You won’t lose money with this plan, and it costs less than not having insurance coverage.

How Should I Pay My Premiums?

Savings or checking accounts are the best. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month, and you will not worry about your policy lapsing due to non-payment.

COPD And Burial Insurance Riders

You have the option to add a policy rider to your basic policy. Insurance riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your specific needs.

Some riders can be added to your policy without additional cost. However, some riders come with some extra costs. Don’t worry; riders are affordable and involve little to no underwriting.

Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans

Benefits Of Burial Life Insurance

Ease of issue. Easy to qualify and be eligible for insurance coverage. No medical exam is required; you are only required to answer a few health questions.

Level premium. Your premium will never increase for any reason. It is locked into a rate at your approval date age, and the premium will never increase regardless of advancing age or medical conditions.

Tax-free. The death benefit payout is paid to your beneficiary tax-free.

Fixed death benefit. Your death benefit amount is fixed and guaranteed to never decrease for any reason.

You can get a smaller amount of coverage. A burial insurance policy can range from $1,000 to $50,000 you can purchase the amount you need.

Has a cash value component. Burial insurance is a whole life insurance policy that builds cash value over time.

Not cancelable. Your insurance policy can never be canceled by the life insurance carrier as long as premium payments are made on time.

Information We Need If You Have COPD

To help you prepare for a life insurance application, let’s look at some of the question life insurance providers will ask you about your COPD:

  • When were you diagnosed with COPD?
  • Do you have other lung issues like asthma, emphysema, or chronic bronchitis?
  • Were you hospitalized for your COPD? What treatment did you receive?
  • Do you smoke?
  • What prescription drugs are you taking for your COPD?

Can I Get Burial Life Insurance With COPD?

Getting approved for a burial life insurance policy with first-day benefits with COPD is possible.

A mild case of COPD may often qualify you for a level death benefit with some companies, meaning you are immediately covered from day one (just like a healthy person).

With a moderate case of COPD, where coughing, shortness of breath, and other symptoms are present, your ability to get approved can be impacted. You will need to find a life insurance company that offers high-risk policies.

Buy it now if you can qualify for a level death benefit with COPD! There is no known cure for COPD, this disease will progressively get worse, and your medical situation will often worsen. The more symptoms you develop over the years, the more treatment you get will prevent you from your desired level of coverage.

How To Get The Best Burial Insurance Rates With COPD?

Finding the best burial life insurance rates when you have COPD is simple.  You need the assistance of an independent life insurance agency like Funeral Funds to do the work for you.

An independent life insurance agency represents multiple life insurance companies. They will be able to compare prices from different insurance companies. Doing this will give you the best deal based on your medical situation.

Letting us compare prices will help you get the best burial insurance rates with COPD.

How Can Funeral Funds Help Me?

Need burial insurance? Instead of wasting hours talking to different agents, and answering the same questions repeatedly, let us do the work for you to find affordable burial insurance.

Funeral Funds is an independent insurance agency that can shop your application to many companies available. This way, you can be sure that you will get the best carrier that favors your age and health.

We specialize in assisting people in finding low-cost burial policies to cover final expenses. We work with the top-rated life insurance companies in the United States, many of which offer immediate coverage at the lowest rates.

It is essential to work with us to help you through the process of looking for an affordable burial insurance policy. We will help you get the right insurance company with the best price and best value of coverage.

You can choose from many life insurance companies on the market today. Some of them are more lenient towards your COPD diagnosis than other carriers. We have worked with many applicants with COPD, and we know the companies that will give you the best plans with immediate coverage.

If you need help finding burial life insurance, please don’t hesitate to contact us at (888) 862-9456. Fill out our instant QUOTE form on this page, and we will give you the best rates available for final expense life insurance.

Additional Questions & Answers On Burial Insurance With COPD

Can I get life insurance with COPD?

Yes, you can get life insurance even if you have a chronic obstructive pulmonary disease (COPD). Your insurance eligibility will depend on the severity of your condition.

Can a person with COPD get life insurance?

Yes, people with COPD can get life insurance. However, the type of plan you will qualify for will depend on the severity of your condition.

Is COPD considered a pre existing condition?

Yes, COPD is a pre-existing condition. Any health condition you have before you apply for a life insurance policy is considered a pre-existing condition.

Is COPD classed as a terminal illness?

No, COPD is not considered a terminal illness. It is a chronic illness that gets worse over time.

What is the average life expectancy after diagnosed with COPD?

COPD is a chronic illness that gradually progresses over time. People diagnosed with COPD often live beyond five years after diagnosis, but their life expectancy varies by the severity of their condition.

Can I get burial insurance with COPD?

Yes, you can get burial insurance even if you have COPD. If you are 50-85 years old you can qualify for burial insurance with COPD.

What is considered high risk for life insurance?

People who are at high risk of dying prematurely are considered high-risk life insurance applicants. Significant medical conditions with high mortality are generally considered high risk. Life-threatening hobbies or occupations are also considered high risk for life insurance.

Is COPD a reason for disability?

COPD can be a reason for disability if you go out of work for 12 months, and it is so severe that can cause death.

Can I get funeral insurance with COPD?

Yes, you can still qualify for funeral insurance even if you have COPD. Funeral insurance is available for people who are 50-85 years old.

Which is worse asthma or COPD?

Asthma and COPD are long-term conditions. However, asthma is more manageable compared to and controlled with COPD. COPD tends to worsen over time.

Can I get cremation insurance with COPD?

Yes, you can get cremation insurance with COPD. The type of plan you will qualify for will depend on the severity of your condition.

Can I live 20 years with COPD?

Yes, you can live up to 20 years if your condition was diagnosed early or while you are still in the mild stage of COPD. However, the length of time you may live will depend on your age, health, and symptoms.

At what stage of COPD do you need oxygen?

You will generally need supplemental oxygen at stage 4 or end-stage COPD.

Can a non smoker get COPD?

Yes, non-smokers can also get COPD if exposed to air pollutants like chemicals, dust, and fumes. Genetics can also cause COPD, even if people are exposed to air pollutants.

Which is worse COPD or emphysema?

The symptoms of COPD and emphysema are the same. However, with emphysema, your lungs are permanently damaged.

Is COPD reversible?

Although COPD can be prevented and treated, this medical condition is not reversible. It will not be gone once you have it and worsens over time.

Can I get final expense life insurance with COPD?

Yes, final expense insurance is available for people with COPD. However, your life insurance eligibility will depend on the severity of your condition.

Can insurance deny coverage for preexisting conditions like COPD?

Yes, life insurance companies have a list of preexisting conditions they accept. High-risk medical conditions that significantly affect mortality may be denied coverage.

How do insurance companies know if you have a pre-existing condition?

Insurance companies ask health questions as a part of the insurance underwriting. They can also access your medical records via the Medical Information Bureau to know your health status.

What is the life expectancy for someone with COPD?

People diagnosed with COPD has a life expectancy of 5 years, depending on the severity of their condition. People with severe COPD may only live up to years.

Funeral Insurance, Final Expense Insurance, Burial Insurance With COPD Infographics


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