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Find the Best Life Insurance with Asthma

Licensed Life Insurance Agent/Marketing Manager
April 03, 2020

If you have asthma read on to find out how it could affect your life insurance. The reality is, the best life insurance companies are all over the board when it comes to how much you will pay for a policy if you have asthma. 

This article will cover the following: 

  1. Can I get life insurance with asthma?
  2. How much will life insurance cost with asthma?
  3. What is the process of applying for life insurance?

Can I get life insurance with asthma?

The short answer is, yes. 

The life insurance company may want to get more information about your asthma such as: 

  • How often do you have attacks?
  • When was your last attack?
  • What medications you take?
  • Do you take any steroids?
  • Have you been hospitalized for asthma?

The good news for asthma sufferers looking for the best life insurance rates is that there are asthma-friendly life insurance companies out there where you can qualify for the cheapest rates. 

How much will life insurance cost with asthma?

The cost of life insurance is going to depend on your situation. Life insurance companies determine how much you pay and they typically look at things such as your age, health, gender, and lifestyle among other things when deciding how much it will cost for you. 

If your asthma is well controlled you might be able to qualify for the cheapest rates. 

If you suffer from severe asthma you may want to consider a guaranteed issue life insurance policy. This policy doesn't factor in any health information. As long as you are in the qualified age bracket and the amount of coverage is in the approved range you can get life insurance. It is important to note that the coverage amounts on these policies are generally much lower than a more traditional life insurance policy. 

The type of policy you choose can also determine your overall costs. For example, a term life insurance is the cheapest option, though that doesn't mean it is the best for your situation. To find out which type of life insurance is right for you, give a life insurance agent a call.

The amount of coverage you are looking for will also impact your rate. The more coverage you want, the more you will pay.

What is the process of obtaining life insurance with asthma?

A no medical exam life insurance policy may be the best route for you to take to procure life insurance with mild seasonal asthma. With a no medical exam life insurance policy, you will need to answer a health questionnaire, but you won't have to undergo a medical exam. The life insurance company will still do a prescription database check and DMV search. For more on the difference between a medical exam and no medical exam policy, please see Life Insurance: Exam vs. No Exam

A traditional life insurance policy requires a life insurance medical exam. The examiner typically comes to your home and checks your height and weight and takes a small blood and/or urine sample. The life insurance company will request physician statements and look into your medical records. The carrier will also do a prescription database check to see what medications you are currently taking for asthma both now and in the past. The company will use all the health information they have gathered and your application to determine your eligibility and cost for life insurance. 


The key to achieving the lowest price on life insurance for asthma sufferers is to apply with the right company.

Not all life insurance companies are friends to the asthma sufferer. You need to apply with the right asthma-friendly life insurance company for your specific profile.

If you aren't sure which companies are right for you, give us a call and a life insurance agent can guide you in the right direction.

Written by
Chelsie Ball
Chelsie is fixated on developing innovative ways to present complex ideas and maneuvering people to the information they need. She has worked in digital marketing for the past eight years and has been a licensed life insurance agent since 2010. When she isn’t looking out for the user, you can find her watching Netflix or desperately trying to find a real hobby.