Life Insurance with Lung Conditions or other Lung Diseases- Ultimate Guide 2019
Finding life insurance with lung conditions can be difficult. We want to help.
If you currently have a lung or respiratory disorder, you may be a bit discouraged or fearful to begin the life insurance process. We don’t blame you and we understand the fear.
The good news however, is that you shouldn’t be so hesitant to openly shop the life insurance market. Chances are you can get approved and don’t even know it yet.
The rates may even be lower than what you are expecting. Of course, as always, this is no guarantee either.
However, depending on the lung or respiratory issue you’re currently facing, different information and steps need to be taken to accurately navigate the life insurance market.
Lung diseases are extremely common and impact people differently depending on the condition and age of the individual.
Our number 1 goal is to provide you with all the information needed to help you filter and determine your best course of action.
Finding life insurance with a lung disease should be much easier after reading our easy step by step guide to life insurance with lung conditions.
Read on to find out where you truly land.
And OH, don’t forget, if you find your specific condition within our blog post, navigate straight to that page for a complete in-depth answer on how to obtain life insurance with lung conditions. You can also skip straight to the bottom of the page for frequently asked questions about life insurance with lung conditions.
Let the fun begin.
Breaking down Life insurance with Lung conditions- What Category do you fall in?
Good Life Protection handles just about any lung disorder you can think of. However, we prefer to group them into categories to make the navigation for life insurance much easier.
Don’t hesitate to navigate straight to your condition to find out more information on how to be approved for life insurance with lung conditions.
Here’s your categories for common lung diseases and the diseases that group within them. Feel free to click to read each individual blog post for a much more in depth investigate the life insurance process for that said condition.
Category 1- Lung Diseases Impacting and Affecting the Airways
Asthma– Consistent inflammation of the airway causing occasional spasm. Can cause wheezing and shortness of breath. Typically, onset from allergies, or pollution or physical labor/ activity.
Chronic Obstructive pulmonary disease (COPD)– Inability to exhale normally.
Chronis Bronchitis- Persistent productive cough that usually presents itself with COPD.
Emphysema- Air becomes trapped in the lungs in this version or form of COPD. Difficulty exhaling is a trademark symptom.
Acute Bronchitis- Another form of COPD. Chronic productive cough.
Cystic Fibrosis- Genetic condition that causes poor clearance of mucus from the bronchi which in turn, causes repeated lung infections
Sleep Apnea – is a common condition in the United States. It can occur when the upper airway becomes blocked repeatedly during sleep, reducing or completely stopping airflow.
Category 2- Lung Diseases that impact the Air Sacs (Alveoli)
Pneumonia– Infection caused by bacteria impacting the alveoli
Pulmonary Edema– This is when fluid seeps or leaks out of the blood vessels in the lung into air sacs in surrounding areas. This can be caused by heart failure or built it up pressure in the lungs from direct injury.
Lung Cancer– See Good Life’s Protection Cancer Area to view more on this lung disease.
Acute Respiratory Distress Syndrome (ARDS) – This is caused from severe injury to the lungs. Typically, life support is needed until lungs have fully recovered.
Pneumoconiosis- Conditions caused by inhaling substances that damage the lungs. Coal Dust or asbestosis can be a primary cause of this condition.
Lung Diseases that Impact the Interitem
Interstitial lung disease (ILD), Sarcoidosis, Pulmonary Fibrosis- Broad collection of disorders that impact the interstitial in the lungs.
Lung Diseases that Impact the Blood Vessels
Pulmonary Embolism (PE)- A blood clot either in a deep leg vein breaks off and travels to the heart. It than travels to the lungs and causes low oxygen levels in the blood quickly
Pulmonary hypertension- Grouping of conditions that typically leads to high blood pressure in the pulmonary arteries.
Lung Diseases Affecting the Pleura
Pleural Effusion- Fluid that collects tiny pleura space between the lungs and chest wall. Pneumonia or heart failure usually causes this condition.
Mesothelioma- Rare form of cancer that forms on the pleura. Tends to emerge after asbestos exposure.
Lung Issues that Impact the Chest Walls
Obesity- or hypoventilation syndrome can place extra weight on the chest and abdomen which can make it difficult for the chest to expand.
Neuromuscular disorders- Poor function in the nerves around the respiratory muscles can cause difficulty breathing. Myasthenia gravis is an example of a disorder or a lung disorder falling into this category.
So how does the process work? How do I apply for Life Insurance with Lung conditions?
Now that you know all the possible conditions that Good Life Protection frequently works with, let’s dive into what’s important when it comes to your life insurance application.
First and Most Importantly- What Condition do you have currently?
Narrowing down your specific condition you currently have is the first step to see how these lung conditions can impact your life insurance application.
For this blog post we are going to use COPD as an example to how the life insurance with lung conditions can be impacted during the application process.
Please note- Everyone has different circumstances so reading the detailed information on how the lung condition is treated is extremely important.
The first thing to remember is that detailed information is imperative to your application. Common questions using the COPD example may include.
Your condition can then be classified one step further
After the initial questions are complete, it’s possible to give the condition a more detailed and accurate rating for pricing purposes. To continue with the example of COPD, your condition can be broken down to
Now we have a good baseline for your condition and we can proceed to the next steps. The price will be determined based on which class you get approved at.
Here’s a quick idea of what class you may ultimately get with COPD.
Minimal COPD- Standard Rating Possible- No other impairments- inhaler is permitted
Mild COPD- Table 2 Rating is Best Case- Routing Use of inhalers is perfectly fine.
Moderate COPD- Table 4 Rating is the best case- Occasional infections but no steroid use
Severe COPD- Table 7 Rating is best case- Frequent infections- unable to perform rigorous work
Extreme COPD- Declined Life Insurance application- See Guaranteed Issue Life Insurance
Life Insurance with Lung Conditions Part 2- What comes after understanding your rating and ability to gain coverage?
Ok so now we know which class you can achieve and a proper path to take to obtain life insurance with lung conditions so what’s next?
Next would be applying for the life insurance coverage.
Your goal here is to find an independent agency or independent life insurance agent.
When you go to apply, have your information ready to go in detail. In most circumstances, you are only going to need 15-20 minutes to complete the entire application and be on your way to obtaining coverage.
Information that you should have ready to go before applying for life insurance with lung conditions
This is a list of the information you should have ready to go before making the call to apply for life insurance after lung conditions.
Life Insurance with Lung Conditions Part 3- The Medical Exam
This will be the last step you need to be heavily involved in for life insurance after lung conditions.
Unless you consider patience and waiting a part of the process as well. Which guess what?
It is a huge part of the process.
During your application process, you will need to schedule a medical exam for the coverage. This is where an individual or RN will do a 15-20-minute drop by at a location you prefer. This is also 100% FREE of charge.
During this exam expect the following information to be collected.
The examiner will also ask you several questions about your overall health. It will feel like a repeat of the questions you already answered for your independent life insurance agent.
Life insurance with Lung Conditions Step 4- Be Patient and Wait for your Approval for Coverage
This step is crucial.
After everything is completed, you are simply waiting for an underwriter to review your case. Sometimes this is very fast. Sometimes it’s slower.
It depends greatly on if they need additional information or the Attending physician statement that we discussed previously.
Trust us. Once we have an answer or approval for you. We will get in touch immediately.
In Summary- Life Insurance with Lung Conditions
Do we all still think life insurance with lung conditions is something to turn away from?
Hopefully not, or we did a bad job explaining the process or how it works.
Our goal was to ease your mind and show you obtaining life insurance with lung conditions is still possible. Will everyone be approved.
Will many be approved if the steps detailed above are followed.
It’s all about being prepared and following the steps to obtaining an approval for life insurance after lung conditions.
Please don’t forget that if you have a specific lung condition you want to read further into about life insurance with lung conditions, click on the individual links for the said condition at the top of the page.
If you feel you have figured out what to do and how to move forward than reach out to us or drop a comment below. We would love to hear from you.
Good Life Protection handles life insurance with lung conditions daily and would love to give you a free 15 min consultation to see if your insurable as well.
Don’t forget to check out or Frequently Asked Questions and Answers area below about life insurance with lung conditions.
May the Best Price Win!
The Good Life Protection
Frequently Asked Questions and Answers Section
Can I be approved for life insurance with Lung Conditions?
YES, you can.
How long does the process take for life insurance with lung conditions?
How much will life insurance with lung conditions cost?
Varies case to case.
Who’s the best life insurance company for life insurance with lung conditions?
How many kinds of conditions does Good Life Protection handle for life insurance with lung conditions?
All. We are always willing to look and help where we can.
Josh Martin is the founder of Good Life Protection. He began his career as a captive Agent working for New York Life Insurance Company. After continued education and designations, Josh founded Good Life Protection to provide consumers with more options and insurance that truly fits into your budget and health classification.