Chronic Obstructive Pulmonary Disorder (COPD)

Life Insurance with Chronic Obstructive Pulmonary Disorder (COPD)


Life Insurance can be available for those with COPD (Chronic Obstructive Pulmonary Disorder). However, those with COPD and/or other complications may be declined by standard insurers.

The condition usually presents a marked increased risk to longevity. Life Insurance premiums are almost inevitably going to be higher.

It is however a misconception that COPD will result in an automatic decline for Life Insurance.

The following guidance is aimed at those who have been diagnosed with COPD.


Key Issues for COPD

The impact of COPD will depend on your age and severity: –

  • Mild COPD, where no medication is required and the effect is minimal with coughing or mild shortness of breath after exercise, will not always see insurers decline or increase rates significantly
  • Moderate COPD, which causes notable coughing and shortness of breath and usually involves some medication, will increase premiums and may see some insurers decline to cover you.
  • Where your lung capacity is radically reduced, a Life Insurance Specialist like Pulse will be needed to find cover and premiums will be more expensive.

If you have not already been declined for life cover, you could consider approaching mainstream insurers first.  Some may even be able to offer instant, online cover.

Pulse Insurance specialise and may well be able to find cover for those with COPD and other conditions, when other insurers decline.


The main aspects affecting the availability and cost of Life Insurance for those with COPD are :-


  • Lifestyle
    • Smoking
    • Alcohol consumption
    • Over-eating / obesity
    • Exercise & fitness

It is quite likely that we will require a Medical Report before cover can be issued. We will discuss this with you when you enquire.


If you need a specialist underwriter 

Pulse specialise in taking your COPD and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.  

We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.


Why Pulse Insurance?

  • Pulse Insurance have been focused on finding unusual cover since 1998
  • We strive to offer a caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are rather good at helping people find the cover they need.

In most COPD cases we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not.


Being Transparent

It is always important to declare your COPD and any other medical conditions completely.  Failure to be transparent with any insurer can result in a claim being denied – confounding the very reason for paying any premium in the first place.


Your Personal & Medical Details

Everything you disclose about your COPD to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.


Your Health

Every person with more severe COPD knows that their state of health, any complications and their lifestyle will impact their risk and the cover available. These factors will be explicitly considered when determining the fair premium, you would pay.

Life cover is issued based on a “snapshot” of your health.  Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens. 


Requirements for more information

While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your COPD and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

As you have a serious medical condition, it is likely that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.

Pulse will never sell your details to anyone ever. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.


Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication. 
Please send these either to [email protected] or post them to us
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.

Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.

The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.


Useful COPD resources

We suspect if you have read this far, you are relatively well informed about your COPD.

You may know of or find these external resources useful; although Pulse are inevitably not responsible or in control of the accuracy or nature of the information provided.

Make an enquiry