Can You Get Final Expense Insurance With COPD
If you live in Hillsborough, Pasco, Pinellas, Hernando, Citrus, Polk, or Manatee County, and have been diagnosed with COPD or emphysema, you may be wondering whether you can still qualify for final expense insurance. This is a common concern, especially for people who want to make sure their family isn’t left with funeral or cremation costs later on.
The short answer is yes, many people with COPD or emphysema can qualify for final expense insurance. The details matter, though, and that’s where working with a local, experienced agent makes a difference.
I’ve been helping people throughout the Tampa Bay area since 2012, meeting clients in person and walking them through their options one step at a time.
If I miss anything or you have questions, email me at support@myphss.com, and I’ll help you get a clear answer.
Table of Contents
What is Final Expense Insurance?
Final expense insurance is a whole life insurance policy designed specifically to help cover end-of-life costs. These often include:
Funeral or memorial services
Burial or cremation
Cemetery or urn expenses
Outstanding medical bills
Other final expenses your family might face
Unlike traditional life insurance, final expense insurance focuses on smaller coverage amounts, usually between $5,000 and $25,000.
Most final expense policies:
Do not require a medical exam
Are available to people between the ages 50 and 85
Provide lifetime coverage as long as premiums are paid
Pay benefits directly to your chosen beneficiary
For many Floridians, this type of insurance offers a simple and predictable way to handle funeral costs without leaving loved ones financially stressed.
What Does Final Expense Insurance Cover?
Final Expense insurance pays a death benefit to your beneficiaries (usually your family) after your passing. While many people think of funeral costs first, the payout can be used for:
Funeral service and burial or cremation
Cemetery plots and headstones
Medical bills after death
Outstanding balances on credit cards or other debt
Travel for family members
Any other last bills your loved ones may face
The payout is generally tax-free, and your family can decide how to spend it.
How COPD and Emphysema Affect Final Expense Insurance
COPD and emphysema are considered chronic lung conditions, which means insurance companies look closely at a few specific factors when reviewing an application.
Common questions include:
- When were you diagnosed?
- Do you use oxygen?
- How often do you use inhalers or breathing treatments?
- Have you had recent hospitalizations related to your condition?
- Do you currently smoke or have you quit?
Having COPD or emphysema does not automatically disqualify you, but it can affect:
- Which type of policy you qualify for
- How quickly coverage starts
- The monthly cost
This is where underwriting differences matter, and why one-size-fits-all quotes often miss important details.
Types of Final Expense Policies for People With COPD
Depending on your health history, you may qualify for one of the following:
Simplified Issue Final Expense
These policies involve health questions but no medical exam. Many people with mild to moderate COPD qualify, especially if their condition is stable and well managed.
Guaranteed Issue Final Expense
If your COPD is more advanced or you use oxygen, a guaranteed issue policy may be an option. These policies accept applicants within a certain age range without health questions, though they typically include a graded benefit period.
The key is knowing which path fits your situation before applying.
Why Local Guidance Matters
Insurance rules don’t change by county, but local experience still matters.
I regularly meet with clients in:
Tampa
Brandon
Riverview
Plant City
And I also work with people throughout nearby counties such as Pasco, Pinellas, Hernando, Polk, Citrus, and Manatee.
Meeting in person allows us to:
Review your health history carefully
Avoid unnecessary applications
Choose options that actually fit your needs
That approach saves time and avoids frustration.
Common Misconceptions About COPD and Final Expense Insurance
One of the biggest misconceptions I hear is:
“I won’t qualify because of my breathing condition.”
In reality, most people I meet do qualify for some level of coverage. The issue is rarely eligibility, it’s choosing the right policy from the start.
Another misconception is that all final expense policies work the same way. They don’t. Small differences in underwriting rules can make a big impact.
Getting a Quote or Booking an Appointment
If you live in Hillsborough County or anywhere in the Tampa Bay area and have COPD or emphysema, the best first step is to look at your options calmly and clearly.
You can:
Request a simple final expense quote online
Book an appointment at a time that works for you
There’s no obligation, and no pressure to enroll. The goal is to give you accurate information so you can make an informed decision.
Ready to speak
with your local agent?
You can schedule an In-Person appointment right now directly in our calendar below. Your local agent will come to you, you don’t have to leave your house.
If you need assistance using our online calendar, please call 813-539-0071 or email us at support@myphss.com
📍 Local, Personal Service in Tampa Bay
At MyPhss, we’re not a call center or some out-of-state company. I am a licensed local broker who lives and works right here in Tampa Bay. If you want old-fashioned personal service without any obligation, you can pick a day and time in my calendar right now.
Q&A - You ask, we answer
If you can’t find the question you have, just email your local agent.
Yes it is, your quote will be based on the following:
- Gender
- Age
- Nicotine Use
- Zip Code
- Coverage Amount
For the purpose of this quote we do not ask any medical questions regarding your health. You will have to answer medical questions if you want to apply for any insurance product and your rates might change if you are unable to answer “no” to all the medical questions on the application. Please consult with your local agent if you have any questions regarding the medical underwriting requirements.
Call your local agent @813-539-0071
To make the most of your appointment with MyPHSS, it’s helpful to have a few key items ready. Whether we’re meeting in person or over the phone, being prepared allows us to give you the best advice based on your unique situation.
Here’s what to have on hand:
📄 Current insurance paperwork (including Medicare, supplemental, or Advantage plans)
🪪 Your Medicare card and state-issued ID
💊 A list of your prescriptions and over-the-counter medications
👩⚕️ Names of your current doctors, specialists, and medical facilities
❓ Any questions you’d like to ask—it’s easy to forget them during the conversation, so jot them down ahead of time!
Our goal is to make this process simple, personal, and stress-free. Whether you’re exploring new coverage, comparing plans, or looking for cost-saving options, we’re here to help every step of the way.
📞 Call your local agent @813-539-0071
📧 Email us at support@myphss.com
🌐 Visit www.myphss.com to learn more or schedule your appointment
We proudly serve the Tampa Bay area and offer assistance statewide by phone.
At MyPHSS, we are independent insurance brokers, which means we’re not tied to just one company. Instead, we represent all the major insurance carriers available in Florida, so you can compare options and choose the plan that’s right for you—not the one a company is trying to push.
We work with trusted names like:
UnitedHealthcare®
Humana®
Aetna®
Cigna®
BayCare®
Wellcare®
Transamerica®
Mutual of Omaha®
CVS® and more
Because every person’s needs are different, we focus on what’s best for you, not what’s best for the insurance companies. Whether you’re looking for a Medicare Advantage plan, a Medigap policy, a final expense plan, or dental coverage, we’ll help you compare side by side and choose with confidence.
📞 Call your local agent @813-539-0071
📧 Email us at support@myphss.com
🌐 Learn more at www.myphss.com
We proudly serve the Tampa Bay area—including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties—and offer statewide phone assistance anywhere in Florida.
Because we don’t need your number to give you a quote!
Other insurance agents ask for your number because they believe if they don’t have it, you will go to someone else and they will lose the sale. We don’t use sales tactics like that, if you can find a better price from someone else we want to you to go to them. Save money, that is the whole point of our business.
You can schedule and appointment by clicking here or calling your local agent directly @813-539-0071
Nothing, if you decided to buy a policy and we are the writing agent the insurance company will pay us a commission for that sale. The price of your policy does not change because of that.
At MyPHSS, we proudly serve seniors throughout the Tampa Bay area, including:
Pasco County
Hernando County
Pinellas County
Hillsborough County
Citrus County
Polk County
If you’re local, we can meet in person at your home for a no-pressure consultation. However, you don’t have to live nearby to get our help—we also assist individuals anywhere in Florida over the phone or by email.
Whether you’re in Miami, Orlando, Jacksonville, or a small town in between, our licensed agents can walk you through your Medicare and final expense options from the comfort of your home.
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Learn more at www.myphss.com
No matter where you live in Florida, MyPHSS is here to help protect your golden years.
Before COVID-19, we operated several local offices in the Tampa Bay area. Like many small businesses, we closed our doors during the pandemic and transitioned to working remotely for the safety of our staff and clients.
After restrictions were lifted, we found that our services ran just as smoothly—if not better—without the overhead costs of a traditional office space. By eliminating unnecessary expenses like rent and utilities, we’re able to focus more on serving our community and keeping costs down for our clients.
Today, your local MyPHSS agent can assist you over the phone, via email, or in person—right in the comfort of your own home, just like your plumber or electrician. It’s convenient, personal, and always pressure-free.
If you need to mail us something please use the following address:
13046 Race Track Rd #190 Tampa FL 33626
We proudly serve seniors across the Tampa Bay area, including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties.
Have questions or want to schedule an appointment?
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Visit us online at www.myphss.com
Most polices come with a 15 or 30-day free look period from the insurance provider. If you don’t like something we can cancel it for you. We are here to help you find what works for you.
At MyPHSS (Protecting Your Golden Years), we help Florida seniors feel confident and prepared for retirement by offering personalized insurance solutions and guidance—at no cost to you.
Our licensed local agents specialize in helping individuals age 60 and older navigate the often confusing world of Medicare and retirement planning. We offer in-home appointments in the Tampa Bay area or phone consultations for clients anywhere in Florida.
We can help you with:
Medicare Advantage Plans
Medicare Supplement (Medigap) Plans
Prescription Drug Plans (Part D)
Final Expense Life Insurance
Dental and Vision Plans
Long-Term Care Plans
Hospital Indemnity Plans
Fixed Annuities
As independent brokers, we represent all the major insurance companies in Florida, which means we work for you, not the insurance companies. You’ll get honest advice, clear explanations, and options that make sense for your health, lifestyle, and budget.
📞 Call us at 813-539-0071
📧 Email us at support@myphss.com
🌐 Visit us at www.myphss.com
We proudly serve the Tampa Bay area—including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties—and offer remote help across the entire state of Florida.
For the Tampa Bay area, please contact your local agent at 813-539-0071
When you schedule an in-person appointment with MyPHSS, one of our licensed local agents will visit you at your home—at a time that’s convenient for you. Appointments usually last about 1 to 2 hours, depending on your questions and needs.
During your visit, we’ll take the time to explain your options and help you understand which Medicare or Final Expense insurance plans may be right for you. We typically focus on one product at a time to avoid overwhelming you—but if you’re curious about other plans, we’re always happy to discuss them.
There’s no cost, no pressure, and no obligation. We do not handle any payments, and we are not affiliated with any specific insurance company. Everything is reviewed on a secure tablet, and if you decide to enroll, any necessary paperwork or plan materials will be mailed directly to you from the issuing company.
Ready to schedule your free in-home visit? Call us at 813-539-0071 or email support@myphss.com today.
A phone appointment with MyPHSS is a convenient way to get expert help with your Medicare or Final Expense insurance options—without leaving your home.
One of our licensed local agents will call you at a scheduled time and walk you through everything step by step. We’ll take the time to understand your needs, explain your plan options clearly, and answer any questions you may have.
Phone appointments usually take 30 minutes to an hour, depending on your situation. Just like our in-person visits, there’s no cost, no pressure, and no obligation—we’re here to provide helpful information, not sell you something you don’t need.
If you choose to enroll in a plan, everything can be completed securely over the phone, and any materials you need will be mailed directly to you.
To schedule your free phone consultation, call 813-539-0071 or email support@myphss.com.
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Contact Us Today
Whether you are looking for a fair and competitive quote for a Final Expense / Burial plan, we’re here to help you every step of the way.
Call your local agent at (813) 539-0071
Email us at support@myphss.com
Visit us online at MyPHSS.com
Let’s protect your golden years with peace of mind.
We serve clients in:
Pasco County: New Port Richey, Dade City, Zephyrhills, Land O’ Lakes
Hernando County: Spring Hill, Brooksville
Pinellas County: Clearwater, Largo, St. Pete, Tarpon Springs
Hillsborough County: Tampa, Brandon, Plant City, Lutz
Polk County: Lakeland, Winter Haven, Bartow
Citrus County: Inverness, Crystal River, Homosassa
Whether you want to meet in person, talk on the phone, or do everything online, we make it simple. There’s no cost, no pressure, and no obligation — just honest help.