Can I get life insurance if I have COPD?


Can I get life insurance if I have COPD (Chronic Obstructive Pulmonary Disease)?

Case study

We have recently been approached by a client who had applied for life insurance with one of the industry’s leading providers through an online broker. However, due to her medical history of mild COPD (Chronic Obstructive Pulmonary Disease) she was instantly declined.

As we are protection experts who specialise in helping people with pre-existing medical conditions, she then contacted us in the hope that we would be able to help her.

The client told us that she rarely gets any symptoms and that her lung function is very good. We were surprised to hear her story, especially as the insurer made the decision to decline without even requesting further medical evidence from her GP.

Our research

After we had gained a good understanding of her medical history, we conducted research with all of the insurance providers, including the company that she had applied with previously. This involves us talking through a client’s medical history directly with an underwriter. This process means that we can assess which company is likely to offer our client the best terms. This is important as it helps to save us and our clients a lot of time and ultimately potential disappointment.

Possible outcomes

It turned out that the company that she had applied with previously, always apply a minimum premium increase (a loading) of 150% (this is on top to the basic premium). We spoke to another leading provider would be happy to offer her life insurance cover on standard terms under the following circumstances:

  • The client only has symptoms that are confined to the winter months.
  • The client does not need to use a Nebuliser or heavy oxygen treatment.
  • The client has an inhaler and this inhaler relieves all symptoms.

If the client does not meet all of the above conditions then the premium will be increased by a minimum of 50% or higher depending on whether the COPD it is classified as mild, moderate or severe.

If the COPD does not fit the mild category it is likely that insurance companies will require further evidence from the GP.

A good outcome:

Our client required a decreasing term policy (mortgage protection) with an initial sum assured of £70,000 over an 11 year term. After assessing the medical evidence the insurer offered a premium with a 50% increase (loading), so the final premium was £24.96 a month.

Our client was very happy to get the much needed protection in place, especially as she had previously been declined.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

It’s worth bearing in mind, everyone’s situation is different. If you have any questions, or would like some (free) advice, the best thing to do is call one of our friendly advisers.
They would be happy to explain your options. 

Call our award-winning team on: 0800 644 4468

Other case studies you may be interested in:

Do you suffer with a medical condition and are concerned you can’t secure Life or Critical Insurance?  

Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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Please click on this link for more blogs on COPD

For more independent information on COPD please click on the following links:

NHS Choices

British Lung Foundation

Client ID: 99984889

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