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Specialist advice from a team of COPD life insurance experts

Life insurance is an insurance policy that provides peace of mind. It means that dependants will be financially provided for in the unfortunate event of your death. There is no guaranteed payout, as there no guarantee that you will die - similarly with car insurance, it is there 'just in case' and provides comfort in knowing your loved ones will not suffer any financial hardship if you are no longer around.

The number one reason to get life insurance is to provide financial protection for your dependents to lessen the devastating effects when a household's earnings suddenly cease. Daily struggles include, but aren't limited to, paying the mortgage and household bills, any outstanding debts and long-term saving towards university or retirement. Life insurance offers a practical solution and peace of mind for loved ones to enable them to continue life without financial worries or burdens.

Sometimes life insurance is obligatory, however, as many lenders will insist on it to cover the cost of a mortgage on a property in the event of your death.

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.

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OPT Financial works on a Face-to-Face model, meaning we sit down with each individual customer and completed the process with them at a time and date (and location) to suit them.

We are experts in protection for high-risk customers and we have access to all the major insurance providers as well as specialist providers, and we have access to bespoke products specifically designed for our customers needs, so we can find you the best cover possible.

We offer clients full advice and make recommendations for life insurance to our clients to ensure that your financial needs are properly covered. As an independent life insurance specialist, we offer products from Whole Market as well as some specialist providers not available through standard companies.

Let COPD Life help you save money on life insurance.

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