Life Insurance for Asthma Sufferers

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Asthma and Life Insurance 

Asthma is a common long-term condition that can lead to coughing, wheezing, chest tightness and breathlessness. The severity of these symptoms varies from person to person and can be effectively controlled by most people, most of the time; although some people may have more persistent problems. 

It is still not fully understood as to why people develop asthma, although it is known that you are more likely to develop it if you have a family history of the condition. Asthma can develop at any age, including in young children and elderly people.5.4 million People in the UK currently suffer from asthma representing 1 in 12 adults and 1 in 11 children.


Whilst there is no current cure for asthma the condition, it can be managed by a number of treatments that are able to control and alleviate symptoms including medication, lifestyle advice and avoiding irritants’ that can lead to an attack such as cigarette smoke and pollen.

With asthma being the most common long-term medical condition in the UK, it’s no surprise that there is a growing number of applicants with the condition seeking life insurance. Asthma was the second most commonly disclosed condition in applications received by AIG, showing that asthma is more common than you might think.

Can I get life insurance?

So, if you suffer from asthma and are considering taking out life insurance, you might be wondering what affect it may have on your application. The good news is that you definitely can qualify for coverage! However, different providers have different views on it, and will take your personal circumstances into consideration when reviewing your application. Providers are likely to take severity of your condition into account as well as: 

  • How long you’ve had the condition
  • Whether you’ve been hospitalised from asthma 
  • Frequency of attacks
  • Any medication you may take

As there are a considerable amount of life insurance providers that now offer coverage to asthma sufferers, it is important to shop around. Additionally, it is worth discussing your situation with a life insurance broker, who can help weigh up your options and give you the best chance of getting life insurance approved at the best rating class with the lowest premium.

If you would like any advice or assistance with any aspect of obtaining life insurance with asthma, why not call us today for a free consultation, or use our website to view a range of life insurance providers with competitive deals.