Don’t overpay for life insurance due to your respiratory disease!
Did you know that there are life insurers that specialize in respiratory diseases?
It’s true…and getting to the right company requires a high risk life insurance expert.
Respiratory Disease Overview
Millions of Americans suffer from lung diseases according to the American Lung Association.
Conditions such as asthma, COPD, bronchitis, sleep apnea and many other respiratory diseases.
How to Find Affordable Life Insurance with a Respiratory Disease
The more you know about your own health details, the better we are able to help you with life insurance underwriting for your respiratory health issues.
We’ll give you the questions to ask your doctor if you don’t have all the answers.
Rest assured that physicians (or more likely their staff) get these calls all the time.
The benefit to you is that the life insurance quotes we provide are accurate…no unexpected surprises!
Life Insurance by Type of Respiratory Disease
The National Heart, Lung and Blood Institute (NIH) provides helpful information about the organs and tissues that make up your respiratory system.
Check out the following guides to respiratory diseases and disorders:
Asthma is a chronic lung disease affecting your ability to breathe.
More than 3 million Americans are affected by asthma.
Underwriting for asthma may be complicated unless you know how the process works.
Read More: Asthma Life Insurance
Sleep apnea is a sleep disorder where breathing repeatedly stops and starts again.
There are many types of sleep apnea, and details about underwriting are found in our guide.
Read More: Sleep Apnea Life Insurance
How does your respiratory disease affect life insurance rates?
Chronic respiratory diseases require ongoing checkups, treatment and/or medication.
Most important to life insurers are the steps you take to manage your health issue as best as possible.
Do you take your medications and are you following your physician’s advice?
Have you taken steps to improve your health since being diagnosed with your respiratory disorder?
When your symptoms are difficult to control, a life insurance table rating may be added to the price of your life insurance.
It’s important to let us know if you have other health issues such as heart conditions, cancer history , mental health issues or endocrine disorders as some conditions may contribute to respiratory issues.