Chronic Obstructive Pulmonary Disease (COPD)

A variety of diseases that cause chronic progressive irreversible airway obstruction.

Likely Underwriting Decision

The younger the applicant, the higher the rating. Ages over 70 may be more favorable. Current smoker, likely decline

Chronic Bronchitis or Emphysema (ages 40-69):

  • Mild: Standard to 150%
  • Moderate: 175 to 250%
  • Severe: 300% to decline
  • Very severe: decline

Factors Affecting the Decision

  • Current age
  • Smoking history and current tobacco use
  • Build, any recent weight loss
  • Severity of symptoms
  • Speed of disease progression
  • Alpha-1 antitrypsin deficiency or other biochemical abnormality
  • Any concurrent impairment (e.g., CAD, cancer, malnutrition)
  • Any hospitalization
  • Any treatment with oxygen is a decline

Fast Track the App


Fast Track:

  • PFT, serial PFTs
  • Details of lifestyle modification
  • Level of activity