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Asthma Life Insurance

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Asthma Life Insurance

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.

How Asthma Life Insurance 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.

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Asthma Life Insurance

People suffering from Asthma looking for life insurance should have no issues in getting covered for the majority of cases, especially where the Asthma is mild and diagnosed many years ago. Asthma life insurance is generally viewed by underwriters as lower risk due to the type of condition that it is and therefore terms offered will generally be either standard rates or a small loading applied. Life insurance for people with Asthma will depend on a number of factors, such as:

  • Frequency / severity of symptoms or attacks
  • Medication (e.g. which inhalers used and how often)
  • Hospitalisation
  • Use of Steroids for treatment

Asthma life insurance can be subject to additional underwriting where there is use of oral steroids or for smokers (especially heavy smokers). There may also be additional medical information required for Asthma life insurance if you have been admitted to hospital as an in-patient or out-patient within the past 5 years. More severe cases where there has been multiple attacks in the past several years and symptoms are more acute then Asthma life insurance may be offered with an increase to your premium or even declined in very serious cases.

For the majority of people who suffer from Asthma, symptoms are generally mild and well controlled which means that we are generally able to offer standard premiums for Asthma life insurance with no special terms. If you have suffered from Asthma for a number of years and have previously had life insurance accepted on special terms then it is always worth reviewing your cover to see whether your premium can be reduced due to better control or improvements in underwriting.

 

Asthma Critical Illness Cover

Due to the fact that Asthma is generally a mild to moderate chronic medical condition then Asthma critical illness cover will generally be offered at standard rates with no exclusions. Life insurance underwriters will often require more information about your Asthma such as any time off work, any hospitalisation or any use of steroids to be able to identify the severity of your condition. In cases where there are no issues or complications then Asthma critical illness cover will almost always be offered with no exclusions and no premium loadings.

In moderate to severe cases where there is evidence of more regular attacks, time off work or any hospitalisation then Asthma critical illness cover may be accepted with special terms imposed, such as premium loadings or exclusions for certain related conditions. Smoking is generally viewed as a negative factor when assessing risk for Asthma critical illness cover due to the related issues and complications which can be caused by nicotine.

If you Asthma and have been offered critical illness cover in the past which was too expensive, have been declined critical illness cover or have a policy already in place then it is worth reviewing your circumstances to see what the current view would be. Asthma critical illness cover underwriting and terms are constantly changing so it is always worth checking to see whether there have been any improvements in your case.

 

Asthma Income Protection

Due to the nature of income protection and the fact that underwriting is more strict than life insurance and critical illness cover, you may that it’s more difficult to get covered for Asthma income protection. Generally we still find that the majority of applications for Asthma income protection are still accepted with no increase to premiums due to the number of people we see that have mild symptoms or are well controlled. In more severe cases where there are more frequent symptoms / attacks (e.g. daily), recent hospitalisation or time of work then special terms will usually be applied.

Asthma Income Protection is one of the better chronic conditions in terms of underwriting, pricing and availability so it is worth looking at this product to protect your income against sickness or accident. Anyone with Asthma with an income protection policy in place currently or if you’ve been declined income protection in the past because of your Asthma, it is well worth reviewing your cover and current circumstances.

 

Case Study 1

    • Client: Female
    • Age: 37
    • Smoker status: Non-smoker
    • Medical condition: Asthma, high blood pressure and fibroids
    • Cover date: 9th September 2019
    • Product type: Level life insurance
    • Cover amount: £100,000
    • Cover term: 30 years
    • Premium: £25.37

We were approached by this lady on the 1st November 2018 when she completed an enquiry on our website. Our advisor Suzie then called her back to discuss her life insurance needs and any medical conditions that she has. At this point she disclosed that she has asthma, high blood pressure and fibroids. She also told Suzie that she was looking for £150,000 of cover over a 30-year period. Our advisor Suzie then took this information and applied to one of our mainstream providers, however the lady was not happy with the price, therefore Suzie suggested sending out for a GP report. She suggested this as a GP report may reveal that she is in better health than the insurers believe from the application and therefore they may reduce the premiums. Unfortunately, a GP report can take some time to be completed so the lady had to wait, and during this time she was referred to specialists for further tests for other conditions as well as further assessments for her asthma. This also added time onto the application as it cannot be completed until each result was finalised and the results added onto the GP report. As a result of this, the lady’s application was finally ready at the start of September 2019; due to the fact that the lady’s budget meant she was unable to afford the £150,000 of cover, Suzie applied for £100,000 of cover to another one of our mainstream providers and successfully secured her £100,000 of cover over a 30-year period for a monthly premium of £25.37. This is an amazing premium, especially as the lady has moderately serious asthma as well as various other medical conditions.

As a whole, both ourselves and the client were delighted that we could finally get her covered, especially after such a long process from initial enquiry to the application being accepted. We are passionate about protecting families and will try our hardest to get you covered, no matter how long it takes. Moreover, this is an amazing outcome for this lady considering the length of time it took to complete her application, the combination of medical conditions and the number of medical tests and specialist appointments she had to attend. All in all, this is a great premium and the lady now has peace of mind that her family is protected.

Case Study 2

  • Client: Male
  • Age: 45
  • Smoker status: Non-smoker
  • Medical condition: Depression, asthma and migraines
  • Cover date: 23rd September 2019
  • Product type: Increasing life insurance and critical illness cover
  • Cover amount: £100,000
  • Cover term: 20 years
  • Premium: £103.19

We were approached by this gentleman on the 23rd September 2019 when the he completed an enquiry through our website. Our advisor Sam P then got in touch to ask what life insurance requirements he had and what pre-existing medical conditions he has had or is currently suffering from. At this point the gentleman explained that he was looking for £100,000 of life insurance and critical illness cover for 20 years and that he suffers from depression, asthma and migraines. He explained that his depression is now mild although he does still experience some symptoms, and that 20 years ago, he had attempted suicide once. Due to the fact that he still suffers from depression, he was able to get the cover that he wanted however it was slightly more expensive than standard rates. Sam P managed to get him £100,000 of life and critical illness cover for 20 years for a monthly premium of £103.19 on the 23rd September 2019. This may seem like an expensive premium but the amount of cover that he was requesting, as well as the addition of critical illness cover, and the history of depression will all add value onto the premium. As a result of this, his premium is very good as he is covered for a large amount of cover for a long period of time and without any exclusions on his critical illness cover.

Overall, we were so pleased with this result as he is now covered for both life insurance and critical illness. Furthermore, the gentleman was also pleased that we managed to find him cover, and so quickly, as he is now protected for all eventualities.

Case Study 3

  • 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

Most Common Questions

Does Asthma affect Life Insurance premiums?

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.

What if I have been Declined cover in the past?

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.

What information do you need?

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.

Which insurance providers are better for Asthma life insurance?

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.

What if I already have life insurance?

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.

 

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

Asthma and Life Insurance

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.

Asthma and Critical Illness Insurance

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.

Asthma and Income Protection Insurance

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.

Asthma and Private Medical Insurance

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.

Asthma and Travel Insurance

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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