Can I Qualify for Burial Insurance If I have COPD?

Finding affordable burial insurance is possible even if you have COPD, a condition that insurers consider when evaluating applications. Factors like age, gender, and medical history affect the rates, but there are options available for individuals with COPD.

Your rates are determined by the health questions you answer, leading to different plan types:

• Preferred: Lowest cost, no medical problems, no waiting period.
• Standard: Slightly higher cost, mild medical problems, no waiting period.
• Graded: More expensive, significant health issues, two-year waiting period (partial death benefit during waiting period).
• Modified: Most expensive, dire health problems, two-year waiting period (premium refund during waiting period).

If your COPD doesn’t require oxygen equipment, you can qualify for lower-cost burial insurance without a waiting period. However, if you rely on oxygen equipment, you’ll likely need a plan with a waiting period and higher rates.

For $20,000 coverage, the monthly costs based on age are as follows:

• Age 45: $60.97 (male), $49.57 (female)
• Age 55: $81.13 (male), $64.64 (female)
• Age 65: $129.24 (male), $95.08 (female)
• Age 75: $266.39 (male), $183.87 (female)
• Age 85: $557.59 (male), $400.88 (female)

Insurers verify COPD status through application questions and prescription history. It’s crucial to secure coverage promptly due to age being a significant factor.

Don’t let your condition deter you from obtaining coverage. We are here to help you with affordable burial insurance, regardless of your health issues. Contact us at (800) 398-9821 today.