Qualifying for affordable and comprehensive life insurance or income protection insurance can be a difficult task when you have chronic bronchitis. If you’ve been turned down in the past, there’s still hope – turn to Special Risk Managers to determine what your insurance options are whilst suffering from chronic bronchitis.
We’ve partnered with a number of leading insurance providers and reinsurance companies, enabling us to source and secure life insurance, income protection insurance, TPD and trauma insurance for people with pre-existing medical conditions or health issues such as bronchitis. Your health doesn’t have to hold you back – we are committed to doing everything we can to help “high-risk” clients get the financial security they deserve, regardless of their circumstances.
So if you’re suffering from bronchitis, please fill out the short questionnaire below and one of our insurance advisers will be in touch with you shortly to discuss your life insurance options. If you have any questions or would like to find out more about what we can do for you, you can contact us on 1300 665 356 or by filling out our online enquiry form.
Bronchitis in Australia
Bronchitis is a respiratory disease where the mucous membrane in the lungs becomes irritated and inflamed, causing ongoing coughing spells that are sometimes accompanied by phlegm and breathlessness. It appears in two forms: acute bronchitis and chronic bronchitis.
Acute bronchitis is a short-term illness, usually caused by a viral infection, and sufferers will typically recover on their own within a few weeks without any specific treatment.
Chronic bronchitis, on the other hand, is a serious long-term disorder that requires regular medical treatment. It can last anywhere from three months up to two years or more, and in many cases occurs together with emphysema as part of a larger chronic obstructive pulmonary disease (COPD).
Chronic bronchitis is commonly found in smokers, but other demographics at risk include the elderly, those with lung conditions such as asthma, those who frequently inhale irritating substances like chemical pollutants and dust, and those with poor immunity. The disorder causes an ongoing cough, wheezing, aches and pains, fevers, difficulty breathing and chest tightness.
In Australia, more than half a million people suffer from moderate to severe forms of chronic bronchitis and its umbrella condition COPD. It is especially common in smokers, found in approximately 18% of male and 14% of female smokers, compared to 7% of male and 6% of female non-smokers.
Your Life Insurance Options with Bronchitis
Due to the complicated nature of chronic bronchitis and the variables surrounding it, applying for life insurance can be a more complex and lengthy process. It is, however, still possible to secure quality cover as long as you take the time to go through the underwriting process properly and provide all the information required of you.
Insurance providers will generally want to know the following details about your condition:
– When you were initially diagnosed with chronic bronchitis
– How frequently you experience symptoms
– Any medications you are taking for the condition
– How often you visit your doctor or pulmonologist
– If you have had any relevant diagnostic tests in the past 12 months
– If you smoke or have any other lifestyle practices that may make your condition worse
By taking all these details into account, the insurance provider will assess how well you are managing and controlling your condition. If you can show that you are getting regular medical attention, taking your required medications and making healthy lifestyle changes such as maintaining a proper diet, exercising regularly and avoiding bad habits such as smoking, your application is likely to be viewed more favourably.
With a well-controlled condition (i.e. you take medication regularly, have had no recent hospital visits and don’t use any tobacco products), there’s a chance that you will qualify for standard premium rates. If your condition is moderate or more severe, you may only be eligible for substandard rates.
It’s important to remember that there could be options available for life insurance, income protection insurance, TPD insurance and trauma insurance if you have chronic bronchitis. Even if you get declined, don’t give up. There will always be other providers to go through; ones that look more favourably upon bronchitis sufferers and will offer more cover options suited to your condition.
Special Risk Managers: Securing Quality Life Insurance with Bronchitis
At Special Risk Managers, we are experts at finding affordable life insurance options for bronchitis sufferers and helping you obtain the cover you need. With our industry knowledge and established connections to reputable insurance companies, we are often able to deliver outcomes that other advisers werent able to.
We’ll also work with you to compare your options and provide valuable life insurance advice to make sure your cover gives you the financial security you need and deserve. We can find the right life insurance providers for your situation and help you with your application to give you a better chance of approval and more affordable premiums.
So don’t let chronic bronchitis hold you back from protecting your loved ones and securing their future. If you’re looking for life insurance, income protection insurance, TPD insurance or trauma insurance, reach out to us today.