Answered by Rauri Taylor
The factors the insurers will look at on an asthma sufferer’s application
You can get life insurance if you have asthma, but it will depend on the severity of the condition and several other factors to do with your health, for example if you have severe asthma and also smoked or use an e-cigarette it is unlikely the insurer will offer standard terms and they will increase the premium to reflect the increased risk to your health.
With most medical conditions, the decision will be based on the details and severity of a condition and how it affects your day to day living and mortality rate. Always speak to and adviser that knows the market and can offer you some sound advice on which options will offer the lowest premium and best level of cover.
How we can help
An independent adviser, like Drewberry, can take down the details of your asthma, such as which type of inhaler you use, and speak to the underwriters at all leading insurers to get an indication of which insurer is likely to offer you the best terms. This can save you an enormous amount of time as you wouldn’t need to complete multiple applications with different insurers.
Frequently Asked Life Insurance Questions
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