Life Insurance with Asthma – Breathe a Little Easier

life insurance with asthmaLooking for low life insurance rates while dealing with Ashtma?  It can be an easy task if you just find the right insurance company. Sound daunting?  It doesn’t have to be; look at some of the information we’ve provided here and then reach out to us!

Asthma is a very common impairment affecting nearly 5% of the US population and each life insurance company is going to look at your asthma differently.

Getting life insurance with asthma will come down to the frequency and severity of asthma attacks, as well as control of the condition.

Life insurance underwriters will place your asthma into 4 classes:

Seasonal Asthma:  Generally occurs a few times every year, typically with the changing of seasons.  Medications can be prescribed and you can still qualify for PREFERRED PLUS rates (best rates available)!

Mild Asthma:  Infrequent attacks that don’t require hospitalizations and are treated easily with inhalers or oral medications can qualify for PREFERRED and in some cases PREFERRED PLUS rates.

Moderate Asthma: More frequent attacks that will occasionally result in a hospitalization.  Moderate asthma typically can require steroid based inhalers or nebulizers.  Standard rates can be expected with some carriers.  However if it’s been over 5 years since a hospitalization and you are using medications on an “as-needed” basis, we can secure preferred offers.

Severe Asthma: Frequent attacks that require regular hospital visits treated with medications including steroids.  This will be considered a sub-standard risk and rates will be based on a number of factors that we’ll list below.

Keep in mind it matters what life insurance company you use.  For example, last week we helped someone with mild asthma that takes 2 medications.  He had recently received a “Standard” offer from a very reputable company.  We were able to secure “Preferred Plus” rates and save him over 20% on his payments.  We simply used the right company for his situation.

Life Insurance with Asthma Information

As agents ourselves we know that matching a client with the correct carrier is key, to start that process we have to ask some questions on your current asthma situation and how its developed over the years.

  • Date of diagnosis?
  • What type of asthma has been diagnosed?
  • Do you know what leads to the asthmatic attacks?
  • What is the frequency of attacks? During last year, last 2 years and last 3 years?
  • Have you ever been hospitalized from an asthma attack?  If so, date? How long in hospital? Circumstances?
  • What medications are you taking? Dates used? Quantity? Frequency?
  • Do you currently smoke?  Have you in the past? (details)

If you’ve been speaking with other agents and none of them get your details on the situation, then politely walk away.  They’ll only be guessing when you get a quote and it could be way lower than what you end up paying.

Once we talk with you we’ll take your answers and match them up with the over 60 companies we represent, giving you a great chance to find a low cost plan.

No Medical Exam Life Insurance with Asthma Options

If you have moderate, mild or seasonal asthma, we can secure you life insurance without a medical exam.  Keep in mind, asthma life insurance rates with no exam will be a little more expensive than taking the exam, but it’s an easier process.

We’ve obtained very affordable life insurance rates for those with asthma and other respiratory issues.  Our experience in underwriting asthma is second to none and we’d love to work with you.  We’ll provide the information you need to make an informed decision.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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1 Comment

This is great information that needs to be shared. Thanks for posting it! Those who suffer are always looking for their best options…

June 18, 2012 at 4:24 pm
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