A COPD diagnosis limits your options for traditional term life insurance, but you still qualify for final expense coverage. Depending on severity and whether you use oxygen, you'll qualify for either a graded-benefit or guaranteed-issue plan — and in both cases, your family gets a tax-free payout for funeral costs.
Mild-to-moderate COPD without oxygen typically qualifies for graded-benefit plans. Oxygen users, severe COPD, or recent hospitalizations qualify for guaranteed-issue coverage.
Mild-to-moderate COPD, inhalers only, no oxygen.
Oxygen use, hospitalization within past year, or severe COPD.
Yes. Guaranteed-issue plans do not ask any health questions — oxygen use does not affect eligibility. Coverage builds to full benefit after 2 years.
Yes — guaranteed-issue plans accept every applicant ages 50–80 regardless of health, including severe COPD.
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