2024 How to Qualify for Burial Life Insurance with COPD

Getting approved for burial insurance with COPD is possible.

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 COPD?

Chronic Obstructive Pulmonary Disease (COPD) is a lung condition that makes it difficult to breathe. People with COPD often experience coughing, shortness of breath, and wheezing.

There are two main forms of COPD:

  • Chronic bronchitis: This involves a long-term cough with mucus production.
  • Emphysema: This damages the air sacs in the lungs, making it hard to breathe.

Many people with COPD have a combination of both conditions. COPD is a progressive disease, which means it gets worse over time. There is no cure for COPD, but there are treatments that can help manage the symptoms and slow the progression of the disease.

Having COPD can make getting life insurance more challenging, but it doesn’t necessarily mean you’ll be denied. Disclose your COPD diagnosis accurately. Not doing so can void your policy later. Different companies have different risk assessments, so it is best to work with an independent life insurance agent who can compare companies to get the best plan with the lowest rates.

Can You Get Burial Insurance With COPD?

Yes, you can get burial insurance if you have COPD (Chronic Obstructive Pulmonary Disease). Burial insurance can be used for burial, cremation, final expenses, or substitute for your life insurance needs.

First-day coverage policy is available to most individuals who have COPD…even if they use oxygen equipment,

People who have severe COPD and who use oxygen equipment with multiple hospitalizations in the last two years will qualify for other plans that accept more health risks.

What is My Best Insurance Option If I Have COPD?

MILD COPD – You will often qualify for a level death benefit insurance plan with 1st-day coverage if you have 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.

MODERATE COPD – You will qualify for a first-day coverage plan if you have moderate COPD and are currently taking medications and treatments. You can even qualify for first-day coverage with some companies if you are on oxygen. 

SEVERE COPD – You may qualify for a first-day coverage plan if you have severe COPD and you are using oxygen equipment, depending on what plans are offered in your state.

If 1st-day coverage is not available in your state, then a guaranteed issue whole life insurance with a two-year waiting period may be your only option. If you pass away during the first two years of the policy, your beneficiary will get all the premiums you paid plus interest, usually 7-10%. 

Do I Need A Medical Exam for COPD Burial Insurance?

You do not need to take a medical exam to qualify for burial insurance with first-day coverage. There is limited insurance underwriting and you only need to answer a few simple health questions. 

There are even plans out there that ask no health questions at all. They are, however, more expensive and come with a 2-year waiting period. We do not recommend these plans because of the higher price and 2-year wait. We talk about the best and worst companies further down in this article.

Burial Insurance Price For COPD Patients

These factors determine the cost of life insurance if you have COPD:

  • Age
  • Gender
  • State of residence
  • Smoking status
  • Type of policy
  • Coverage amount

The older and sicker you are, the more expensive burial insurance gets.

Finding the best burial life insurance rates for COPD doesn’t have to be hard. You need the assistance of an independent life insurance agency like Funeral Funds, which knows all the best insurance companies accepting COPD patients.

What Are The Best Companies For COPD Burial Insurance?

Here is a pricing example of a person using continuous oxygen:

  1. Superior Choice (Recommended) – 60-year-old female
    • First-day coverage
    • Policy amount: $10,000
    • Monthly premium: $47.25
  2. Gerber Life (Avoid) – 60-year-old female
    • 2-year Waiting period
    • Policy amount: $10,000
    • Monthly premium: $51.06
  3. Lincoln Heritage (Avoid) – 60-year-old female
    • 2-year Waiting period
    • Policy amount: $10,000
    • Monthly premium: $96.80

Superior Choice would be the best choice for a COPD patient due to its first-day coverage and lower pricing. It does not have a waiting period and is more affordable than plans with a waiting period.

Getting Approved for 1st-day Coverage Burial Insurance With COPD

You will typically see health questions about COPD this way in the application:

  • 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 would answer “yes” to these health questions, which may impact your eligibility with some companies.

Here is a list of common medications the insurance carriers may look for to confirm if you have COPD:

  • 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 can have medications that treat both conditions.

If you are on these medications and have filled a prescription, the insurance carriers may use this to confirm a COPD diagnoses:

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

If you are taking any COPD medication, you can still be eligible for burial insurance with a handful of burial insurance companies.

Insurance companies that ask about daily oxygen use will decline your application if you answer yes to oxygen use. However, some insurance companies do not care about oxygen equipment use and will approve your application for insurance coverage (depending on what state you are living in per carrier regulations).

Information We Need If You Have COPD

To help you prepare for a life insurance qualification, we may ask you some of the following questions:

  • 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?

How Can Funeral Funds Help Me?

You don’t have to waste time searching with multiple insurance companies because we can do this work for you. We work with many A+ rated insurance carriers specializing in covering high-risk clients. 

Our licensed insurance agents will search all the best companies to get you the best rates, and we promise to make the process quick and easy. 

Fill out our quote form on this page or call us at (888) 862-9456, and we can give you an accurate quote.

Frequently Asked Questions

Can I get life insurance with COPD?
You can get affordable life insurance with COPD (chronic obstructive pulmonary disease). Your insurance eligibility will depend on the severity of your condition.

Can a person with COPD get life insurance?
Yes, life insurance for people with COPD is possible. However, the type of plan you will qualify for will depend on the severity of your condition.

How much is life insurance with COPD?
Your life insurance premium will depend on your age, gender, state, smoking status, policy type, coverage amount, and overall health.

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.

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.

Is it hard to get life insurance with COPD?
Getting life insurance on your own can be challenging because only a handful of insurance providers offer first-day coverage to people with COPD. The best way for people with COPD to get life insurance is to work with an independent life insurance agent who knows these final expense insurance companies.

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 COPD.

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 companies 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.

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


Call Now ButtonCALL NOW (888) 862-9456