If you want to see real quotes, fill out our quoter. Keep in mind, you will probably need to give us a call to get accurate quotes if you have other health conditions. Many people have other issues with chronic bronchitis.
Unfortunately, there is a lot of misinformation out there about a lot of health conditions, and that is no different fro chronic bronchitis, COPD, or emphysema.
The truth is, there are companies that do not penalize you at all for any of these conditions.
This article talks about chronic bronchitis specifically. If you have COPD or emphysema, read our article on those conditions here.
Table Of Contents
- How Insurance Companies View Chronic Bronchitis
- Tobacco Usage
- Oxygen Usage
- How To Find The Best Rates
How Insurance Companies View Chronic Bronchitis
Most insurance companies will either not accept this condition, offer a waiting period plan, or raise your rates considerably.
But if you know where to look and have access to many companies, you can go with a company that accepts this condition freely.
The truth is chronic bronchitis, especially in seniors, is pretty serious. Respiratory issues are the #4 cause of death in the United States, so it is no small thing to you or the insurance company.
Luckily for you, some companies have deemed chronic bronchitis as a non-threatening condition, and will insure you at the same rates as a healthy person.
Now, this article is mainly for people with current chronic bronchitis. However, if it has been over 3 years since your bronchitis, including treatment, then a few more companies will give you level rates the same as a healthy person.
If you have current bronchitis, please keep reading. If it’s been many years since you’ve had this condition, give us a call or fill out our quoter and we will find rock bottom rates for you.
One of the keys to getting approved for burial insurance is wether or not you have used any tobacco or nicotine in the past 12 months.
If you are not a smoker, congratulations! You qualify for the best rates available.
However, if you do use tobacco and have chronic bronchitis your options narrow. Keep in mind we still have companies that accept tobacco users with chronic bronchitis, there are just not as many.
Oxygen use is a huge red flag to almost every insurance company that asks you health questions. If you are not taking any oxygen and never have in the past, you can skip this section.
However, it is common for people to take oxygen for respiratory issues, especially as a senior. The key if you or a loved one are taking oxygen is the timeframe and how often.
If it’s been over 1 year since you’ve been on oxygen, the insurance company will not care.
However, if you are on current oxygen you can only qualify for a partial waiting period policy. This is because taking oxygen is a very serious health indicator.
The good news is, even is your are on oxygen, there is a company that will not raise rates on you whatsoever, just know you will be in a waiting period policy.
How To Find The Best Rates
As you can probably tell by now, the burial life insurance world can be confusing if you have this health condition.
But it’s your lucky day!
We work with seniors every day and it’s not uncommon for someone to have chronic bronchitis. We are experts in finding the best rates available to them, and most of the time without any waiting period whatsoever.
The real secret to finding no waiting period policies at very low rates is working with lots of insurance companies. Unfortunately, there is a lot of misinformation out there by agents and companies saying things like
“you can’t get day 1 coverage with that condition”
“we must raise your rates due to your health”
While that is certainly true for some companies, it’s only because you are looking in the wrong place. We pride ourselves in finding the best option available to any person, no matter their age or health.
Please give us a call today or fill out our quote form and we will be in touch ASAP to find the best rates available and go overall of your coverage options. In just minutes you can be approved for burial insurance at rock bottom rates!