Life Insurance with Emphysema


Life Insurance can be available for those with Emphysema. However, if there are other complications may be declined by standard insurers.

Life Insurance premiums are almost inevitably going to be higher.

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

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


Key Issues for Emphysema

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

  • Mild Emphysema 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 Emphysema 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 Emphysema and other conditions, when other insurers decline.

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

  • Other Health conditions e.g.
    • High Blood Pressure
    • Heart disease
  • 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 Emphysema 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 Emphysema 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 Emphysema and any other medical conditions completely.


Your Personal & Medical Details

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


Your Health 

Your Pulse underwriting specialist will look to gain a detailed picture of your condition and you should take care to disclose everything.


Requirements for more information

While our initial enquiry questions about your Emphysema may always gather adequate information to provide an indication of cover and cost, our insurers may ask for more in depth information regarding your Emphysema and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

As you have a 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. 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 cover brings peace of mind for you and your family.

Useful Emphysema resources

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

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.




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