Getting Life Insurance If You Have Emphysema
If you have emphysema or chronic obstructive pulmonary disease (COPD), and you want to buy life insurance, you must read the following:
Unless you work with an agent who specializes in high risk life insurance and understands how to get life insurance for someone with emphysema or COPD, you will quickly become frustrated by the confusing and misleading information that does not answer this most urgent question, “Can you even purchase life insurance if you have emphysema?”
Thankfully, Local Life Agents has extensive knowledge about buying life insurance if you have COPD, emphysema or chronic bronchitis.
What Is Emphysema?
According to the Mayo Clinic, emphysema involves damages to the air sacs in your lungs, which leaves you experiencing acute shortness of breath. Smoking is the main cause of emphysema.
As the air sacs become weaker and then rupture, there is a reduction in the amount of oxygen that enters your bloodstream.
Since these sacs no longer function properly, and as there is no space for fresh oxygen to be released, breathing becomes more difficult and painful.
Certain treatments may slow the advance of emphysema, but there is no medication to undo the damage caused by this form of CPOD.
According to the American Lung Association, COPD is the third most common cause of death in the United States. Recent statistics put that number at 134,676, though 12.7 American adults have some form of COPD.
There are at least 4.7 million Americans with emphysema, of which 92% are 45 or older. In contrast, 10.1 million Americans have chronic bronchitis.
Overall, more women have COPD than men, with 70,000 females compared to 64,000 males.