Burial Insurance With COPD: Coverage Options & Rates (2026)

Can you get burial insurance with COPD? In most cases, yes. Having COPD or emphysema does not shut you out of burial insurance — you simply need the carriers that specialize in respiratory conditions. Because these are no-exam policies, you simply answer a few health questions — and with the right carrier, COPD rarely stands in the way of coverage.

Does COPD affect burial insurance?

COPD is one of the conditions carriers look at closely, and the key factor is whether you use oxygen. Without oxygen and with stable, mild-to-moderate COPD, some carriers will still offer favorable coverage. If you use oxygen therapy, you will typically move to a graded or guaranteed-issue plan.

What kind of plan will you qualify for?

Mild, stable COPD without oxygen can sometimes qualify for level or graded coverage. If you are on oxygen, a graded or guaranteed-issue plan provides guaranteed approval for ages 50–85, with the full benefit after a two-year period.

How to get the best rate with COPD

Every insurance company underwrites COPD differently, so the same person can get very different answers from different carriers. That is the biggest reason to shop with an independent broker instead of calling one company — we compare 25+ carriers at once and place you with the one that views your health most favorably, at no cost to you.

COPD burial insurance FAQ

Can I get covered if I use oxygen?

Yes. Oxygen use usually means a graded or guaranteed-issue plan, but you can absolutely still get covered — no one is turned away for health on a guaranteed-issue policy.

Written by Phillip Chin, licensed final expense specialist (NPN #8895251), licensed in all 50 states. We compare 25+ top-rated carriers to find your lowest rate — at no cost to you.