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Qualifying for Life Insurance with Emphysema.

Do you have emphysema but still want to get life insurance? If that’s you, then you are in the right place. Keep reading this article for a brief overview of applying for life insurance with emphysema. We’ll help you understand:

  • The basics of emphysema.
  • What will happen when you apply for life insurance after benign diagnosed with emphysema.
  • What rates to expect.
  • What to do if you’re life insurance application gets denied.
  • And how to find the best life insurance company that you can qualify for.

So, without further ado, let’s dive right in by first explaining exactly what we mean by being diagnosed with emphysema.

What is emphysema?

Emphysema is a medical condition that is usually defined by when ones’ alveoli (air sacs in the lung) become inflated beyond their capacity for regular intervals.  This “over inflation” will impact the way you breathe and may actually change the way your lungs look and function.

Causes of Emphysema.

Like most lung-function diseases, smoking is the most often the leading cause of emphysema.

Treatment for Emphysema.

Once you know you have emphysema (and realistically, before you ever get it), the number one thing you can do for your lung health is to STOP SMOKING.

This will:

  • Slow down the deterioration of your lungs
  • Possibly even improve lung function

Next, you may be prescribed bronchodilation medications that help you breathe more easily. This may be an inhaler that you take at regular intervals or that you take in case of an emergency.  Some doctors will also prescribe steroids or antibiotics.  Worst case scenario: You may need surgery, including a lung transplant.

***Important Reminder***

At this point we usually like to remind people that we here are InsuranceBrokersUSA aren’t doctors of medical specialists of any kind.  We’re just a bunch of life insurance agents.  So if you think you may have emphysema or any other medical condition for that matter and you have questions about it, go see a doctor!

We’re not going to be able to diagnose your condition or help you out in any way.  But…If you’ve already been diagnosed, and you’re looking for life insurance well then, now you’re talking.  This is what we’re good at!

Applying for Life Insurance with Emphysema

Any sickness that impacts the functionality of a major organ like the lungs will be a problem when it comes to applying for life insurance. With emphysema, you will not qualify for a preferred rate or even a standard rate. However, you may qualify for a Table A rating.

What is a Table A rating?

Table rates are life insurance rates usually reserved for “higher risk” applicants who can still qualify for traditional term or whole life insurance, they just can’t qualify for a Standard or Normal rate.

Now there are 10 different “Table Rates” an individual can qualify for ranging from Table A all the way to Table J.  The good news is that Table A is the “best” table rate that there is (AKA will have the lowest prices), and many individuals with emphysema can often qualify for them.

How to get a Table A rating with Emphysema?

If you:

  • Are responding well to treatment,
  • Have shown improvement in lung functionality,
  • Are not showing signs of lung function deterioration,

Then you may get a Table A rating.

If not…

Then you could get any of the other Table ratings, B-J. This will all depend on your symptoms, treatment response and so on.

In some cases, you may get denied.

This is particularly true if you have been diagnose with emphysema and you continue to use ANY tobacco product.  In fact, most if not all traditional term or whole life insurance policies will automatically decline anyone who has been diagnosed with emphysema and continues to use any form or tobacco or nicotine.


If your emphysema is really bad, then a life insurance company may see it as life threatening. In this case, they will reject you for a term or whole life insurance policy as well.

If you are rejected…

You may want to consider another life insurance company. Not all life insurance companies will view stages of emphysema in the same manner. This is also why it’s important to get professional help when applying for life insurance.

To get the best rate

You need to have some knowledge of the life insurance industry. You may only qualify for a Table H rating with one company, but another company will offer you a Table B rating. Wouldn’t you prefer the table B rating which would probably mean paying a whole lot less for your insurance?

If so…

Then the best way to get it is to seek out professional help when applying for your life insurance policy.  Now here at JustBuryMe, we’ll do all the leg work to help you get the best possible rate on life insurance with Emphysema.

We know what different life insurance companies offer and how they will rate people with emphysema, depending on their symptoms and severity.

Now.. we may not be able to magically offer you a preferred rate, but we will be able to help you find a good rate considering your circumstances.

And if it turns out that…

You simply can’t qualify for a traditional term or whole life insurance policy, we also have plenty of alternative life insurance products such as guaranteed issue life insurance policies that you may still qualify for.

Guaranteed Issue Life Insurance

This may be your best and only bet for a life insurance policy. It may not offer you everything that a term or whole life insurance policy does, but it’s still enough to make sure your family and loved ones are not stuck with the bill of your final expenses (i.e. last medical expenses plus funeral and burial/cremation costs).

Why you still need expert help for guaranteed issue life insurance.

Not all guaranteed issue life insurance policies are the same, and not all work for all people. This is why when you call JustBuryMe, we’ll do our very best to find the life insurance company that offers the policy that is right FOR YOU.

All of our recommendations are personalized to the needs of our clients. We hear you out and make our recommendations based on your needs.

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

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