Life Insurance with Lung Conditions or other Lung Diseases- Ultimate Guide 2018
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
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.
- Original Date of Diagnosis
- Current Severity of the COPD
- Any infections due to the COPD
- Any use of oxygen or use of daily steroids?
Note- These are only the questions related to the actual condition at hand. Your overall health will also be a major factor in determining your overall rates or ability to be approved for life insurance.
Other Questions May Include
Do you currently use any tobacco products?
Have you used any tobacco products in the last 5 years?
Any family history of heart problems, cancer or diabetes?
Current height and weight?
Any other medications being taken for other medical conditions?