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Asthma Life Insurance

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Asthma Life Insurance

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How it works

There are several key areas that are taken into consideration when underwriters look at the risk for Life Insurance for Asthma

  • Age of Diagnosis
  • Treatment (i.e. Inhalers, Steroids, Medication etc.)
  • Date of the last attack
  • Any hospitalisation
  • Time off work

The Insurance Surgery is a leading independent life insurance expert for pre-existing conditions such as Asthma and our team of expert advisors will search the insurance market to find the best deal for you.

Case Study 1

  • Client: Male
  • Age: 48
  • Smoker Status: Non-Smoker
  • Cover Date: April 2016
  • Conditions: Asthma and Diabetes
  • Product Type: Whole of Life Insurance
  • Cover Amount: £20,000
  • Cover Term: Whole of Life
  • Premium: £46.80

Case Study 2

  • Client: Female
  • Age: 31
  • Smoker Status: Non-Smoker
  • Cover Date: April 2016
  • Product Type: Level Term Assurance and Critical Illness
  • Cover Amount: £250,000
  • Cover Term: 25 years
  • Premium: £126.33

Case Study 3

  • Client: Male
  • Age: 42
  • Smoker Status: Non-Smoker
  • Cover Date: May 2016
  • Product Type: Decreasing Term Assurance
  • Cover Amount: £25,000
  • Cover Term: 12 years
  • Premium: £7.39

Most Common Questions

It is entirely possible that we may be able to get standard rates (no increase) on your Asthma life insurance premiums dependent on the severity and treatment. Asthma is a condition that is generally classed as low risk by certain major insurance providers and therefore we are generally able to get life insurance premiums with no rating / increase.
We regularly deal with clients who have previously spoken to or dealt with a non-specialist company (i.e. Bank, Mortgage Company, Comparison Site etc.) that has declined them due to their medical history. This is by no means the end of the road and because The Insurance Surgery is a specialist we are far more likely to be able to get you and your family covered.
We simply need to know some basic information about you, your financial circumstances and your medical history for us to be able to accurately assess your case and provide you with a quote. It is helpful to know the dates of diagnosis, any recent events / attacks and the name of your medications with the dosages.
It is very difficult to say which provider would be better for you without knowing the facts about your condition so we simply need to take some basic information for us to be able to search the market for you. The underwriting criteria are very different from one insurance provider to another and it changes constantly so it’s only by experience and knowledge that we are able to make our decision on which providers may be better to provide cover for you and your family.
If you already have life insurance in place then it may well be that we can’t beat your current premium / cover depending on when you took out that policy. We will ALWAYS tell you if you are better off sticking with your current provider and our advice is FREE so we certainly won’t charge you for making that assessment.

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Facts about Asthma

Asthma is categorised as a chronic condition (constant) which causes an inflammation of the lungs and airways that result in coughing, shortness of breath, chest tightness or wheezing.

Asthma statistics

  • 5.4 million people are diagnosed / being treated for Asthma (1 in 11 children / 1 in 12 adults)
  • 1216 people died from Asthma in 2014
  • NHS spends £1 billion every year on treatment and carers for Asthma
  • Every classroom has 3 children with Asthma on average
  • Asthma attacks result in a hospital admission every 8 minutes

Most people with Asthma can and do lead perfectly normal lives with no restrictions to daily activities and therefore life insurance premiums can reflect that with normal rates.

Treatment for Asthma

Asthma is most commonly treated by using an inhaler which is also known as a pump and this equipment will insert a type of medication directly into your airways. There are lots of different types of inhalers and the most common types of inhalers are:

  • Preventer inhalers - To stop Asthma symptoms from occurring in the first place
  • Reliever inhalers - These are bronchodilators that relax the muscles and widen the airways helping you to breath

Causes of Asthma

Asthma is caused by inflammation of the Bronchi which are small tubes that carry air to and from the lungs. These tubes (Bronchi) are more sensitive for Asthma sufferers and can easily be irritated when they come into contact with certain elements (known as triggers). This will cause the airways to become narrow and the muscles around them to tighten which increases the production of sticky mucus (phlegm).

Most common triggers:

  • Cigarette smoke
  • Pet hair / fur
  • Exercise / loss of breath
  • Viral infection

The Insurance Surgery is a leading Asthma life insurance expert and we have helped thousands of families, individuals, and businesses to protect their financial future.


If you suffer from Asthma and require insurance The Insurance Surgery is here to help.

At The Insurance Surgery, we are specialists in searching for life insurance, travel insurance, and other products for clients with Asthma.

Our aim is to find the most comprehensive insurance products at the cheapest cost.

We have well over  a decade of experience sourcing insurance for all types of illnesses and have helped hundreds of people with Asthma find insurance policies that were tailored to their needs.

If you suffer from Asthma and you require a quotation for life insurance please note that we guarantee to obtain the most competitive life insurance quotes on the market.

Below is our summary of how Asthma may affect your insurance needs.

For most people with Asthma, where Asthma is under control with medication and inhalers, life insurance would normally be available at normal rates. If the Asthma is more complicated and there is a history of severe attacks or hospital admissions, then the cost of the life insurance may be increased. By using The Insurance Surgery we will find you the most competitive cover.
Critical Illness Insurance will usually be available to people with Mild Asthma and should be available at normal rates. If the Asthma is more severe, then the cost of the Critical Illness Insurance may be increased and even declined in the most severe cases.
It may be possible to obtain Income Protection Insurance at ordinary rates if you only have mild Asthma. For more severe cases the cost of the insurance may be increased or even declined.
As a general rule of thumb, Private Medical Insurance cover will usually not be offered for pre-existing, ongoing medical conditions. This means that you will probably be able to obtain insurance but the cover for your Asthma and any related conditions will be excluded.
When applying for Travel Insurance it is vital that you declare your Asthma as a pre-existing medical condition. You should then make sure that the Asthma is fully covered in case you suffer from an attack on holiday. Usually, providing the Asthma is under control, the Travel Insurance will be accepted at normal rates.

Asthma Life Insurance related News

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The Insurance Surgery Ltd is rated 4.8/5 based on 251 reviews. Read our reviews

'The best broker you can get' Sarah Angel. An angel in name and in facts. She's the customer representative that has spent months in the months in helping me getting the deal I got. Always patient, never given up looking for the right policy and me. Frankly, I never thought a lot about brokers but this company is a blessing to people that cannot get insurances by themselves for health reasons. Thank you. 4.8

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