Are you wondering how to give yourself or a loved one the best chance of getting life insurance with COPD?
You’ve come to the right place.
We’re the experts in arranging higher risk life insurance.
COPD stands for Chronic Obstructive Pulmonary Disease. It’s a common condition that affects more than 380,000 people in Ireland.
So you’re NOT ALONE.
COPD includes chronic bronchitis, emphysema or a combination of both conditions.
You can get life insurance or mortgage protection with mild and moderate COPD. But if your COPD is severe, it will be more difficult, if not impossible to get cover.
This is how the life insurance companies generally classify the types of COPD:
We got the standard price (no increase) for a non-smoking client of ours who had mild COPD.
But a smoker or someone with moderate COPD will pay around 3 times more than someone in perfect health.
The underwriters will review both and will write to your GP for an up to date medical report.
The insurer pays the GP for completing the report.
You’ll only need to do a medical if your GP doesn’t have recent test results (e.g lung function tests, chest x-rays)
This depends on your GP and how fast they send back the report. Some can send it back within a week but the majority take two to three weeks.
Once the underwriters received your medical report they will make a decision in 48 hours.
If you’re in urgent need of cover, please give me a call on 05793 20836.
Arranging life insurance for someone with COPD requires specialist knowledge. You’ll need to negotiate with several insurance companies to get the best price which takes time
We’re the brokers that specialise in arranging high risk life insurance for people with health issues.
We take all the hassle out of finding you cover saving you time and money.
Are you finding it difficult to get life insurance with COPD?
Would you like some help?
That’s what we’re here for.
Give me a quick outline using the form below and we can get started.
Or complete this respiratory disorders questionnaire and I’ll be right back.
Our discussions will be confidential.
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