Can You Get Life Insurance with COPD?
Yes, though it depends on the severity. Mild COPD (GOLD stage 1) usually results in a modest premium loading. Moderate COPD (stage 2) may see higher premiums. Severe COPD (stages 3–4) can be more difficult but is not impossible with specialist brokers.
How Insurers Assess COPD
| GOLD Stage | FEV1 | Typical Insurance Terms |
|---|---|---|
| Stage 1 (Mild) | 80%+ | Moderate loading (50–100%) |
| Stage 2 (Moderate) | 50–79% | Significant loading (100–200%+) |
| Stage 3 (Severe) | 30–49% | Difficult, specialist required |
| Stage 4 (Very Severe) | <30% | Often declined |
Key factor: Your most recent lung function tests (FEV1 percentage) are the single most important factor in how insurers assess COPD. Keeping your GP records up to date with recent spirometry results helps your application.
If you have been declined for standard cover, consider no medical life insurance as an alternative. These guaranteed acceptance policies require no health questions but have lower maximum payouts.
Frequently Asked Questions
Yes for mild to moderate. Premiums depend on FEV1 results. Severe COPD needs a specialist broker.
Mild: 50–100% loading. Moderate: 100–200%+. Depends on lung function results.