Getting Burial Insurance With COPD

Securing burial insurance coverage with COPD can seem challenging, but it doesn’t have to be. In this article, we will show you how to obtain coverage without waiting periods and clarify the types of coverage available. You have options, and we’re here to guide you.

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First Things First: You Can Qualify for Burial Insurance with COPD

Securing burial insurance while managing COPD can be daunting, but it’s important to know that it’s not an insurmountable challenge. Many individuals with COPD have faced misinformation, leading them to believe that obtaining coverage is impossible. However, as an Independent Broker, I specialize in helping people, including those with COPD, overcome these barriers.

The key message is clear: you can qualify for burial insurance coverage, even with COPD. Previous setbacks and misunderstandings should not deter you from protecting your final wishes and providing for your loved ones. In this guide, we’ll explore the coverage options, considerations, and costs involved, ensuring that you’re equipped to navigate the insurance landscape confidently.

By the end of this guide, you’ll have the knowledge and insights needed to make informed decisions about burial insurance, ensuring that your COPD doesn’t stand in the way of securing the coverage you rightfully deserve. Let’s proceed to uncover the information that will empower you to make the best choices for you and your family.

How Much Coverage Can I Get with COPD?

When it comes to coverage, you can get as much as you need. Burial coverage typically ranges from $1,000 to $50,000, and sometimes even more. If you require additional coverage, we can explore stacking policies for added protection. To determine the right coverage amount, consider factors like:

  1. Your final wishes: Burial or cremation?
  2. The broader purpose of your burial policy.
  3. The number of beneficiaries you want to designate.

Your answers to these questions will help us tailor your coverage to your unique goals and needs.

What Kind Of Coverage Can I Get?

This is a more difficult question to answer. The best way to find out what kind of coverage you can get is to reach out to us either by getting a quote here, or sending me an email or phone call! 

There are basically 4 types of coverage that people can get with burial insurance, and I actually talk about them in a few articles that you can check out by clicking here

The four types are

  1. Level
  2. Modified
  3. Graded
  4. Guarantee Issue

Discussing these options with our experts can help you choose the right one for your circumstances.


If you qualify for level coverage, you qualify for day one coverage. Meaning if something were to happen to you the day your policy goes into effect, you are covered completely. No questions asked. 

The cool thing is even with COPD, you can qualify with one of my absolute favorite Insurance companies of all time, CVS, for “standard” coverage. 

So what is standard? It is still day one coverage! That’s incredible right? 

This is for my COPD clients who are not currently using oxygen, but still have the diagnosis of having the disease. So if that is you, we need to talk ASAP. 


Modified coverage is still great for clients with COPD! It is not day one coverage, there is a waiting period. 

The good news is the waiting period is only sometimes 12-24 months! So unless you plan on passing away in the next year or two, you are good to go with a policy that will work wonders for your family. 

I typically do not find many of my COPD clients getting a modified policy. I will explain when I talk about the next type!


Graded is a great option for my clients with COPD. 

If for some reason I can’t get them approved with CVS for day one coverage, my next move is to go to another top carrier of mine, Prosperity, and go for their graded policy. 

I am convinced that Prosperity has the absolute best graded policy in the business. It does have a waiting period, but that doesn’t mean the beneficiary won’t get anything if you were to pass away. It just means they wouldn’t get the full amount. 

This is a great option for those whose COPD is a little farther along than others!

Guarantee Issue

Lastly, Guarantee issue policies are for my COPD clients who have progressed to the last stages. When they are on oxygen or are taking a few different inhalers, we start to look at guarantee issue policies. 

This type of policy guarantees that the client has no chance of getting denied. In fact, the health questions pretty much go away on the application. 

These policies are great, but they are definitely my last go to when I have a COPD client. I personally believe that most of the time, if I do my job, I can get a COPD client better coverage. Not always, but most of the time. 

How Much Will It Cost

This is probably the number one question that I get in my day to day life. There is no definite answer, because each client is different. Their needs, wants, and goals are all different and no two clients are the same. 

The best way to find out how much it will cost is to get a quote on the right side of this screen! This will give you an idea of price, and then I can get involved and find you the best option out there for your specific needs. 


In conclusion, if you have COPD, rest assured that you can obtain burial insurance coverage. Don’t let previous misinformation prevent you from securing the financial protection your family deserves. Don’t let them end up on GoFundMe due to misunderstandings. Please reach out to us through comments or email; we’re here to help you make an informed decision.

Don’t wait any longer—take the first step towards securing your family’s future. You can get coverage, even with COPD. Your peace of mind is priceless.

Contact us today to get started on your journey to secure burial insurance coverage with COPD.

God Bless