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
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02084327333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

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.

life insurance
 
asthma
 
medical conditions
 
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.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Life Insurance Questions

 
I want to get Life Insurance but can’t find out any information about whether past medical conditions...
 
We have just increased our mortgage and have been advised to get life insurance. My partner has a couple...
 
What’s the ideal length of time to set my Term Life Insurance for? Is it better to set a longer...
 
I’ve recently been given the all clear for cancer and it’s really prompted me to get some...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Kevin Ballinger
29/11/2018

Excellent service. Well documented and prompt meetings arranged, with polite reminders. Good, clear advice and excellent product choice for me. Very pleased and highly recommended.

Kylee Kelly
22/11/2018

Jake and Jack and Drewberry were excellent and I would definitely use their services again. We purchased life insurance from them and we are now getting them to look into income protection cover for us. They are very knowledgeable and the set up was a breeze.

Priyadharshini Westphal
25/11/2018

Really personalised service. Would definitely recommend. Very helpful and not pushy. Oliver was through and lovely to speak to.

We are rated 4.9/5 based on 1742 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1916 Reviews
Verified Buyer
Overall Rating
The whole process was a pleasure. Drewberry we're easy to deal with, polite, knowledgeable and helpful
Verified Buyer
Overall Rating
Very good, clear service would recommend to friends and family
Anon
Overall Rating
Sam Carr provided an efficient and professional service.
Verified Buyer
Overall Rating
Sam Carr provided a professional but enthusiastic service and helped make the whole process very straight forward. Goodness knows I have been through enough application forms recently. My insurance product was never going to be easy to find and I had been rejected on a number of other occasions through others ironically due to well managed common health conditions. I identified Drewberry in a last and disappointing trawl on th web to find someone that actually wanted to take on a difficult case like me. Some brokers wouldn't even consider me. When we applied for my first choice product Sam wasn't at all deterred by the long wait for my GP report or the final rejection that came back from the insurer, sadly I have become used to it. Within a day he had lined up the second choice and to my surprise he had hit the nail on the head and introduced me to the correct insurer and terms for my needs whilst nogotiating an excellent premium. I am extremely satisfied with what Sam has achieved for me and I would have no hesitation in recommending either him or Drewberry to friends, family and and business contacts. In the future, Drewberry will be my first point of contact. Many thanks!
Kym
Overall Rating
Tailored to my need and the staff gave very good service