Life Insurance with Lung Conditions [Rates + Options]


Life Insurance With Lung Conditions

Life Insurance with Lung Conditions

If you are currently looking for life insurance and have lung conditions, you may be a bit discouraged or fearful to begin the life insurance process.

We don’t blame you and we understand the fear.

It’s 100% considered high-risk life insurance and luckily for you, we consider ourselves a top high-risk life insurance broker.

Anytime you fall into this group or attempt to get life insurance with pre-existing medical conditions, you may have several questions.

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 and yes it impacts life insurance.

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 lung disease should be much easier after reading our easy step by step guide to life insurance with lung conditions.

Understanding Life Insurance With Lung Conditions

Life Insurance with lung conditions is completely possible.

However, we prefer to group them into categories to make 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 are 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.

Life Insurance For Lung Conditions That Impact 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.

Chronic 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.

Life Insurance For Other Lung Conditions and Lung Diseases

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 view more on this lung disease.

Acute Respiratory Distress Syndrome (ARDS) – This is caused from a severe injury to the lungs.

Typically, life support is needed until the 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.

Life Insurance After Pulmonary Embolisms.

Pulmonary Embolism (PE)A blood clot either in a deep leg vein breaks off and travels to the heart.

It then travels to the lungs and causes low oxygen levels in the blood quickly

Obesity or hypoventilation syndrome can place extra weight on the chest and abdomen which can make it difficult for the chest to expand.

Applying 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.

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 of how 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 Date Your Lung Condition Was Diagnosed Impacts Life Insurance

The first thing to remember is that detailed information is imperative to your application.

Common Questions Life Insurance Companies May Ask:

  • Original Date of Diagnosis
  • Current Severity of the COPD
  • Any infections due to the COPD
  • Any use of oxygen or the use of daily steroids?

How Severe Is Your Lung Conditions Will Impact Life Insurance Rates

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

  • Minimal COPD
  • Mild COPD
  • Moderate COPD
  • Severe COPD
  • Extreme COPD

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:

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 the best case- Frequent infections- unable to perform rigorous work

Extreme COPD- Declined Life Insurance application- See Guaranteed Issue Life Insurance

Other Factors Impacting Life Insurance With Lung Conditions

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.

  • The current information related to your lung condition
  • Your current primary care physician information
  • This is due to the life insurance carrier will most likely order what’s known as an APS or Attending Physician Statement- Always remember, the more details the better.
  • List of current medications being taken for the lung condition or other conditions
  • Amount of coverage you are applying for- if you aren’t 100% sure, that’s our job to help you with that.
  • The kind and duration of the life insurance you’re looking for- for example- Term 15 Years


Fully Underwritten Life Insurance With Lung Conditions

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 for 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.

  • Blood Pressure Reading
  • 1 Blood Draw
  • Urine Sample


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.

Shop Around For Life Insurance With Lung Diseases

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.

Final Word, Life Insurance With Lung Conditions is 100% Possible

At the end of the day, even if you have to consider guaranteed issue life insurance with a company such as AIG Life Insurance Company, it’s still better than nothing.

Don’t run from the ability to cover your family when they may need it most.

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.

You bet.

It’s all about being prepared and following the steps to obtaining 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 then 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 you’re insurable as well.



Resources: MedlinePlusLung.Org