Can I Get Burial Insurance With COPD or Heart Disease?
Serious conditions like COPD and heart disease are still coverable.
No obligation. No pressure. Just answers.
Quick Answer
Yes, in most cases. Guaranteed issue burial insurance accepts applicants regardless of a COPD, heart disease, or prior heart attack diagnosis, since it asks no health questions at all.
This ties directly into guaranteed issue whole life insurance, which we cover in detail separately.
These conditions are among the more common reasons people are declined for simplified issue or traditional life insurance, which is exactly why guaranteed issue coverage exists. Approval is based on age, not health, so a serious respiratory or cardiac diagnosis does not stand in the way.
A graded death benefit period commonly applies to guaranteed issue policies, so it’s worth asking a licensed agent to explain exactly how your policy would pay out in the first two years versus after that period.
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