Complete Financial Questionnaire

Life Insurance for Someone with Ephysema (COPD)

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.

Life insurance with COPD

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.

Can you get mortgage protection with COPD?

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.

What is severe COPD?

This is how the life insurance companies generally classify the types of COPD:


  • Up to two attacks per year, with little or no breathlessness except on strenuous exertion.
  • No clinical abnormalities between attacks except for smoker’s cough.


  • Recurrent attacks in summer and winter.
  • Shortness of breath on moderate exertion.
  • Symptoms are continuous.


  • Continual symptoms with prominent cough and wheeze.
  • Shortness of breath on minimal activity.
  • A lot of time off work.

How much does life insurance with COPD cost?

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.

Will I need to do a medical?


First you’ll need to complete an application form and a questionnaire.

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)

How long will it take to find out if I can get cover?

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

Why should I choose

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.

Your turn…

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.

Nick McGowan | making life insurance

life_insurance_schedule_a _call

Blog Medical Issues & Life Insurance
Give us a quick outline of how we can help and we'll be right back to you.

Children's Life & Serious Illness Cover

When you think of life insurance, you automatically think of insuring the life of an adult.

It's hard enough contemplating your own morbidity, it's heartbreaking thinking of a child.

But life insurance for a child is available for free on all life insurance policies.

Don’t know where to start?

Have a nose through our free life insurance guides

View our guides

Life Insurance Quotes - Free and Easy!

As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

Watch our video