life insurance for people with COPD
COPD affects life insurance underwriting based on severity. Mild COPD (FEV1 over 70%) is often insurable at standard or slightly higher rates. Moderate to severe COPD faces more significant underwriti...
life insurance for people with COPD
COPD affects life insurance underwriting based on severity. Mild COPD (FEV1 over 70%) is often insurable at standard or slightly higher rates. Moderate to severe COPD faces more significant underwriting challenges. An independent agent can identify which carriers are most favorable for your specific FEV1 and treatment history.
What You Need to Know
- Mild COPD (FEV1 over 70%) is often insurable at standard or slightly higher rates
- Moderate COPD (FEV1 50–70%) typically results in higher rates
- Severe COPD (FEV1 under 50%) may face denial from many carriers
- Non-smoker status significantly improves COPD underwriting outcomes
- An independent agent specializing in impaired risk knows which carriers are most favorable
The Patriot Plans Difference
Patriot Plans is 100% independent. We work for you — not the insurance companies. When you have a health condition, finding the right carrier is critical. Different carriers have very different underwriting guidelines for the same condition. An independent agent who knows the market can often find coverage that a direct-to-carrier application would miss. We've helped 400,000+ families find the right coverage — including thousands with pre-existing conditions.
Ready to Find the Right Coverage?
Patriot Plans is 100% independent. We compare plans from vetted carriers and find the one most likely to offer you the best rate for your specific situation.