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Asthma Life Insurance

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It may feel as though it is more difficult to find life insurance with asthma, but I’m Insured are experts in helping those with the condition find cover at the best rate available

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Asthma and Life Insurance: what you need to know

For many people who have asthma, finding life insurance may feel more stressful, with the worry that it could cause an increase in premiums or make finding the right cover more difficult.

The good news is that getting life insurance at a standard rate is very common and it is getting easier to be able to.

However, when applying for asthma life insurance, it is best that you are prepared. Knowing what life insurance providers are likely to ask about

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What is asthma?

[/et_pb_text][et_pb_text _builder_version=”4.20.4″ _module_preset=”default” text_font=”Alegreya Sans||||||||” text_line_height=”26px” custom_margin=”||20px||false|false” hover_enabled=”0″ text_font_size_phone=”16px” text_line_height_tablet=”26px” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” global_colors_info=”{}” sticky_enabled=”0″]Asthma is a long-term respiratory condition which causes breathing problems for those who suffer with it. It is a condition that affects people of all ages, however, it usually starts in childhood.

Asthma is very common, as of 2019, Asthma UK stated that around 4.8 people have the condition. It can be caused randomly or from exposure to triggers such as allergies, smoke, cold air and exercise.

There can be varying levels of severity for those with asthma, however, the main symptoms are.[/et_pb_text][et_pb_text module_class=”life-insurance-main list-styles-marked-image” _builder_version=”4.20.4″ _module_preset=”default” text_font=”Alegreya Sans||||||||” text_line_height=”26px” custom_margin=”||20px||false|false” text_font_size_phone=”16px” text_line_height_tablet=”26px” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” global_colors_info=”{}”]

Whistling sounds when breathing
Breathlessness
Tight chest
Coughing

Symptoms can temporarily get worse, this is called an asthma attack.

Treatment is widely available for asthma. There are reliever inhalers and preventer inhalers, which are the most common form of treatment, however some people need to take tablets for the condition.

How does asthma affect life insurance?

As asthma is a pre-existing medical condition, it is something that life insurance providers will typically want to know more about. Even if you have lived with the condition normally for years, it is something you can expect to be asked for more information on.

As with many conditions, asthma can also be something that can lead to further medical conditions, so life insurance providers may want to assess the risk of this. This could have an impact on the cost, but it is dependent on a range of factors, including the severity of your condition.

Can I get life insurance with asthma?

As you can live a normal life with asthma, it is typically straightforward to get life insurance, and to get this insurance at a standard rate.

In the cases of more severe asthma, it is still possible to get life insurance, however, it may be at a higher cost. Your premiums will be calculated based on your condition and also general information about you, including your general health and lifestyle.

Why do insurers need to know about asthma?

While asthma is a lower risk condition, especially in cases where symptoms are mild and the diagnosis was given years ago, it is still a pre-existing medical condition.

This means that life insurance providers will want to know about your asthma and in many cases, will request further information to assess the risk. This helps to provide the right cover for you and to determine the cost of your life insurance.

Failure to disclose a medical condition such as asthma could mean that your policy could be voided in the unfortunate event of your passing.

What information do you need to provide to insurers if you have asthma?

As mentioned, when applying for life insurance with asthma, it is likely that you will need to provide some further information to insurance providers.

While this tends to differ for each life insurance company, you can expect to be asked the following questions about your asthma:

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The date of your asthma diagnosis
The date of your last asthma attack
Any hospitalisations due to asthma
Medication or treatment used for asthma (e.g. inhalers or medication)
Information about any time off work due to asthma

While not directly related to asthma, sometimes, you may be asked whether you have smoked in relation to you having asthma.

It is important to be accurate and provide as much information as you can about your condition, as this helps insurance providers to offer you the best life insurance policy.

Using an insurance broker for asthma life insurance

[/et_pb_text][et_pb_text _builder_version=”4.20.4″ _module_preset=”default” text_font=”Alegreya Sans||||||||” text_line_height=”26px” custom_margin=”||0px||false|false” hover_enabled=”0″ text_font_size_phone=”16px” text_line_height_tablet=”26px” text_line_height_phone=”24px” text_line_height_last_edited=”on|phone” global_colors_info=”{}” sticky_enabled=”0″]It can be daunting trying to find the right life insurance when you have a health condition such as asthma. The cheapest insurance may not be the most suitable for you and your loved ones.

Independent insurance brokers have specialist expertise and knowledge of the market and can help you to navigate the process. I’m Insured is an independent insurance broker with specialist knowledge in life insurance with asthma.

Our expert team has a wealth of experience in finding the right life insurance cover for people with medical conditions. If you have asthma and want support with your life insurance application, you can contact the I’m Insured team or get your free insurance quote through our website.[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” _builder_version=”4.20.4″ _module_preset=”2e9db382-663f-4df5-ac0a-0f1c016fd8d6″ background_color=”#f3f6fa” custom_padding=”112px|30px|82px|30px|false|true” custom_padding_tablet=”70px||70px||true|true” custom_padding_phone=”50px|20px|50px|20px|true|true” global_colors_info=”%91%93″][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.25.2″ _module_preset=”a035c992-5d8b-479d-aaef-356b31a09d94″ width=”100%” max_width=”1140px” custom_margin=”||90px||false|false” custom_margin_tablet=”||70px||false|false” custom_margin_phone=”||45px||false|false” custom_margin_last_edited=”on|tablet” custom_padding=”0px||0px||true|false” custom_css_main_element=”align-items: center;” locked=”off” global_colors_info=”%91%93″][et_pb_column type=”1_2″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text module_class=”gm-top-headline” _builder_version=”4.24.2″ _module_preset=”1bbc64cf-be08-4634-a743-083d9e849edb” text_font=”Alegreya Sans|700||on|||||” text_text_color=”#92559D” text_font_size=”16px” text_letter_spacing=”1.6px” text_line_height=”1.5em” custom_margin=”||10px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”%91%93″]latest news[/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”4b35362e-cf4a-4c01-a910-e4b2b28208ff” text_font=”Alegreya Sans||||||||” text_line_height=”24px” header_font=”Alegreya Sans|700|||||||” header_text_color=”gcid-6fb9d9f2-4d80-4841-a3dc-f22ec5db8b82″ header_font_size=”64px” header_letter_spacing=”-1.28px” header_line_height=”64px” header_2_font=”Alegreya Sans|700|||||||” header_2_text_color=”gcid-6fb9d9f2-4d80-4841-a3dc-f22ec5db8b82″ header_2_font_size=”48px” header_2_letter_spacing=”-0.96px” header_2_line_height=”48px” header_3_font=”Alegreya Sans|700|||||||” header_3_font_size=”34px” header_3_letter_spacing=”-0.68px” header_3_line_height=”37.4px” header_6_font=”Alegreya Sans|700|||||||” header_6_font_size=”24px” header_6_letter_spacing=”-0.24px” custom_margin=”||0px||false|false” custom_margin_tablet=”||30px||false|false” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|phone” text_font_size_phone=”18px” header_font_size_tablet=”60px” header_font_size_phone=”40px” header_font_size_last_edited=”on|phone” header_line_height_tablet=”1em” header_line_height_phone=”1em” header_line_height_last_edited=”on|phone” header_2_text_align_tablet=”center” header_2_text_align_phone=”center” header_2_text_align_last_edited=”on|tablet” header_2_font_size_tablet=”” header_2_font_size_phone=”35px” header_2_font_size_last_edited=”on|phone” header_2_line_height_tablet=”” header_2_line_height_phone=”1.1em” header_2_line_height_last_edited=”on|phone” global_colors_info=”{%22gcid-6fb9d9f2-4d80-4841-a3dc-f22ec5db8b82%22:%91%22header_text_color%22,%22header_2_text_color%22,%22header_text_color%22%93}”]

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Asthma