Overall, if you are still smoking then you will be considered high risk, and depending on your treatment, you may be declined.Īgain, having any type of lung disease like COPD with a combination of active smoking is a double WHAMMY!! In addition, they will want to know if you are still smoking. Life insurance carriers will want to know when the diagnosis was. The bottom line, stop smoking and you will live longer than if you continued. If you have smoked you’re just getting there faster.
So if you are asking yourself, “can you die from COPD”, the answer is yes.
Overall, life insurance is based on mortality.
I guess we have answered the question, “Can I get life insurance if I have COPD”.Īgain, it will come down to a few things when it comes to COPD life insurance underwriting.ĬOPD insurance coverage and life insurance rates will be determined on which carrier to go with.Īn experienced independent agent will lead you to the best choice.
