Printer FriendlyLife Insurance for People With Chronic Bronchitis
I Have Chronic Bronchitis. Now What?
Chronic bronchitis can be a problem especially if other factors are present. For example, if this disease is a result of, or related to, smoking then this is of concern to life insurance companies. Or, if your chronic bronchitis is complicating another condition such as asthma this too will be of concern. Allow extra time in the application process for the life insurance company to obtain and review your medical records. Also, expect to pay more for life insurance depending on the severity of your condition.
Chronic Bronchitis’ Effect on Insurance Rates
Here is a very rough idea of what type of ratings to expect for chronic bronchitis. Do note that if smoking and/or other diseases are complications to your condition, then these will be evaluated in conjunction with your chronic bronchitis, which will worsen your ratings.
|
Condition |
Expected Rating |
|
Mild chronic bronchitis; minimal reduction in lung functionality |
Standard |
|
Average chronic bronchitis; some reduction in lung functionality |
Table 1 through Table 4 |
|
Severe condition |
Table 4 through decline |
More Information on Chronic Bronchitis
Bronchitis is an inflammation of the
large airways that extend off the trachea. This condition is often
caused by infection but can also be a result of irritation from
particles or gas. When symptoms last 90 days or longer then the
bronchitis is usually classified as being “acute.” Bronchitis
lasting longer, for either months or years, is then classified as
being “chronic.” When chronic bronchitis also decreases airflow
this is classified as a defining characteristic of Chronic
Obstructive Pulmonary Disease.
Important Things to Know for Those with Chronic Bronchitis
What are some of the issues that interest underwriters?
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What are the results of your most recent pulmonary function test?
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Do you smoke? Do you use any other tobacco products?
-
What kind of medication are you on?
-
How often do you visit the doctor for this condition?
What can I do to help the underwriting process?
The life insurance company will need contact information for all your treating physicians and medical facilities that you have visited. A pulmonary function test will also likely be required in order to assess the functionality of your lungs.
Complete the following form, or call us toll-free at 888-854-7526 if you would like to speak with someone or get more information.