Can I get life insurance with asthma?

I’ve had Asthma since childhood, is it possible to get Life Insurance and will it cost me more due to my condition?

Question asked by Tom Baxter
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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.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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