If you have Asthma, you may find that life insurance companies take this into consideration when calculating your premium. The length of time you have suffered, the severity of the condition and whether you have experienced further health complications as a result of Asthma will be questioned, and the impact on the cost of life insurance will vary vastly depending on these factors.
If you are looking to secure a life insurance policy and you suffer from Asthma, the insurers will need to ask you a number of specific questions to determine the severity of the condition. The following are some of the questions you will be asked and it makes sense to have the details at hand:
Not everyone that suffers from Asthma experiences the same symptoms. The below animation from the NHS choices provides a good overview of the condition:
Smoking is a huge contributory factor to increased life insurance premiums, even if you do not suffer from Asthma. If you want to ensure costs are kept to a minimum, giving up smoking is a must. It’s important to note that you are only considered a non-smoker if you have not smoked or used nicotine replacement products in the past 12 months.
At Your Life Protected, we have great relationships with some of the UK’s top insurers, meaning that we know where to look to find life insurance for Asthma sufferers at the best possible prices. For more information, or to get an Asthma life insurance quote, either call our friendly team on 01454 633289, or fill in an online Get a Quote form.
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