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Qualifying for Life Insurance with Chronic Bronchitis.

Whenever we get a life insurance quote request for a client who mentions that they frequently suffer from bronchitis, we’ll usually assume that this individual suffers from chronic bronchitis, as opposed to acute bronchitis.

You see, acute bronchitis is that flu like condition that we all might get once every couple of years and while it may make life pretty uncomfortable for a couple of weeks, eventually you’ll recover and that will be the end of it.

Chronic bronchitis…

On the other hand, is a more “serious” type of bronchitis which either keeps coming back over and over throughout the year, or simply doesn’t go away, leaving those to have to suffer its affects year-round!

Chronic bronchitis is also one of several medical conditions including emphysema, that makes up the condition commonly known as COPD or chronic obstructive pulmonary disease.

Common causes of chronic bronchitis may include:

  • A compromised immune system.
  • Smoking or exposure to second hand smoke.
  • Gastroesophageal reflux disease (GERD).
  • Other environmental factors that may irritate ones’ lungs.

Symptoms of chronic bronchitis may include:

  • Wet “mucusy’ cough.
  • Chest congestion.
  • Difficulty breathing.
  • Labored breathing and/or wheezing.
  • Feeling like you constantly have the flu.

Treatment options.

The good news is that even if you suffer from chronic bronchitis, chances are, you should be able to recover on your own in a couple of weeks.  In rare situations, where your bronchitis is caused by a bacteria, it is possible that you may be prescribed an antibiotic, but again, these cases are few and far between.  Aside from your unusual bacteria cases, no treatments are usually necessary.  This is why insurance companies aren’t going to be all that concerned about folks who simply suffer from an acute case of bronchitis.

That being said however, chronic bronchitis cases are a whole different ball game.

Chronic bronchitis and life insurance.

The main problem that you’re going to run into when applying for traditional term or whole life insurance policy after being diagnose with chronic bronchitis isn’t necessarily the bronchitis itself, it’s more an issue of:

“What’s causing you to continue to suffer from bronchitis?”

  • Do you have a compromised immune system?
  • Are you a current smoker or are you being exposed to a lot of smoke which is harming your lungs?
  • Is your GERD seriously damaging your bronchial tubes to the point where you may be at risk for more serious medical conditions?
  • Do you live or work in an environment that may not be health for you?

These are the types of questions that an insurance underwriter is going to want to learn about before he or she will be able to make a decision about your life insurance application.

Slippery slope…

It’s also going to be tough to distinguish between those “mild” cases of chronic bronchitis vs someone who simply gets sick a lot!  This is why, insurance underwriters will also ask you questions like:

  • When were you first diagnosed with bronchitis?
  • How often to do get sick/bronchitis?
  • Do you have any idea why you continue to suffer from bronchitis?
  • Do you smoke cigarettes?
  • Do you have any other pre-existing medical conditions such as cancer, heart disease, stroke or diabetes?
  • Do you have any other pre-existing lung diseases such as COPD, emphysema, or asthma?
  • In the past 2 years, have you had to go to the hospital or emergency room due to your bronchitis or other medical condition?

From here, the insurance companies will generally have a pretty good idea about the severity of your bronchitis and can usually make a reasonable prediction about what “health” class you may or may not qualify for.

As a general “rule of thumb”…

What you’ll typically find is that those who have been diagnosed with a “mild” case of bronchitis, qualifying for a “table rating” just below Standard should be possible.

Whereas those who have been diagnosed with a more “sever” case, will most likely be considered a greater risk, and will therefore either qualify at a lower health class or be denied coverage all together.

If you are denied coverage, it is important to know your options. There is a difference between simplified issue vs guaranteed issue life insurance.

Simplified issue life insurance will ask health questions and may do some background investigation into different databases, such as the medical information bureau.

Guaranteed issue life insurance does not ask any questions and no exam is required. However, these policies are limited in that the face amounts don’t exceed $25,000 and they include graded death benefits.

So what policy is for you? That depends.

The problem is…

That we really won’t know for sure what you may or may not be eligible for until the insurance underwriter is able to review your completed application along with your medical exam results and any notes/records that may be obtained by your doctor.

The good news is that…

Because we here at InsuranceBrokersUSA, have chosen to remain an independent life insurance brokerage, we’ve been able to establish relationships with dozens of highly rated life insurance companies, including the best final expense and burial insurance companies.

Which means that even when we’re confronted with the most “challenging” life insurance application, we’ll usually be able to find a good match for our client.

You see…

Here at InsuranceBrokersUSA, our goal isn’t to sell you a life insurance policy, it’s to help you find the best possible life insurance policy that you can qualify for.

So, what are you waiting for?  Give us a call today and see what we can do for you!

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