COPD life insurance

Are you looking for COPD life insurance? Are you wondering where you might find affordable cover with a reputable insurer? iLL specialises in helping people with impairments and other medical conditions like COPD to find cover that protects them should anything happen in the future. Our network of approved impaired insurance specialists and simple comparison service can bring you complete peace of mind in helping you to find the right policy.

COPD stands for chronic obstructive pulmonary disease, and is a condition that causes breathing problems and issues with the lungs. Such issues include damage to the air sacs within the lungs (known as emphysema), and chronic bronchitis, which causes the airways to become repeatedly inflamed. COPD is more common in older people, and especially those who smoke. Breathing can become more difficult and laboured if the condition is left untreated.

Common symptoms of COPD include feeling breathless, a chesty cough, repeated chest infections and wheezing. COPD can often be mistaken for other conditions, and occurs when the lungs have become damaged. You are more likely to develop COPD if you smoke frequently and have done so for many years. It is possible however to get COPD through genetics, in more rare cases.

The most effective treatment for COPD is to stop smoking. The taking of inhalers can also make breathing more comfortable. In extreme cases, surgery or a lung transplant may be required.

There is a wide range of options available on the market for life insurance cover, and it can be difficult to choose one that's right for your circumstances. As COPD syndrome is considered a long-term chronic medical condition, some insurers can be cautious about accepting applications, especially if your symptoms are severe and you have required surgery. All insurers have to underwrite applications they receive from customers looking for COPD life insurance, and need to assess their level of risk. If you are considered a high risk case because your COPD is severe, you may find it more challenging to find an insurer that will accept you for cover. At iLL, we can help you to find the right insurer that understands your personal circumstances.

COPD is considered by insurers to be a long-term chronic medical condition. It is also common in older people and smokers, which is why cover is frequently offered, usually at higher premiums. If your COPD symptoms are mild and you have received treatment but have managed to keep your condition under control with inhalers, you should expect to pay higher premiums than a person with no health conditions at all, but the increase may be minimal. That said, if your condition is not under control with medications or inhalers and you have had to have surgery because of complications, you may be offered cover at much higher rates. Your premiums for COPD life insurance will always depend on the severity of your COPD, the medications and treatment you are undertaking, and whether your condition is linked to any other complications.

Prices from insurers will vary depending on who you speak to, which is why iLL is the perfect place to find the best impaired COPD life insurance specialist.

You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if your condition is severe, you have previously been a heavy smoker, and there is a greater likelihood of you making a claim to an insurance company in future, an insurer may apply a loading fee to cover this risk.

At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal for your budget. Getting your quote is quick and simple.

Get your COPD life insurance quote

iLL works with many of the UK's leading COPD life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one COPD life insurance broker. Just submit your details through one of our easy online forms to receive quotes and be specially matched against the UK's leading FCA-regulated insurance providers. This should help you to find:

  • COPD life insurance cover at the best price
  • A policy with substantial cover for what you need
  • An insurer with an understanding approach towards those with COPD

Get your COPD life insurance quote

Further cover for COPD life insurance

When you apply for critical illness cover with COPD, you'll need to provide the insurer with some further details about your general health, lifestyle and how your condition impacts on your everyday living. An insurer may typically ask for details outlining the severity of your COPD, including when you were diagnosed, whether you require an oxygen cylinder, and whether your condition affects your ability to work. Many insurers process applications for critical illness cover in the same way that they do for life insurance.

With iLL's policy comparison service, you can find the right cover that suits your needs. Every application is assessed differently. To receive your quotes from the right approved and vetted insurer, fill in one of our quick and simple forms.

For more information about living with COPD, visit the following links:

COPD Foundation

British Lung Foundation

European Lung Foundation

With iLL's simple comparison service, you can save money and take the hassle out of buying life insurance cover. If you have an impairment like COPD, we understand that the last thing you need to worry about is whether or not you'll be accepted for life insurance cover for the future. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for COPD life insurance.