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Get The Best Life Insurance Rates With Asthma

by Scott G on December 26, 2012 · 2 comments

Get The Best Life Insurance Rates with Asthma

Get The Best Life Insurance Rates With Asthma By Choosing The Right Company


Asthma-is an obstructive lung disease characterized by reversible airway obstruction and airway hyper-responsiveness.

Underwriting Factors


•Frequency of symptoms

•Duration and intensity of exacerbations

•Medications taken for treatment, including response to treatment

•Smoking status

•Any similar serious impairment

•Number of asthma attacks in past year

•Ever require a rescue inhaler

Common medications














Rating classes


•Preferred Plus


•Standard Plus


•Rated A-C 1

•Rated D-H 2

•Rated I & Above 3


Possible range of underwriting decisions


Very mild allergy induced asthma, seasonal rarely on inhalers, no steroids: possible Preferred Plus rating class.

Recurrent asthma, rarely on inhalers, no steroids: possible Preferred rating class.

Mild, less than 5 attacks a year, on inhalers: possible Standard Plus to Standard rating class.

Moderate asthma,: possible Substandard rating class 1 or 2

Severe asthma:  possible Substandard rating class 2 to a decline


Obtaining life insurance with asthma can be tricky unless you choose the right company.  By knowing the factors that affect life insurance rates, you can shop with confidence and know what to expect.  You can use the instant quote engine on this site to shop for the best rates.  Also, keep in mind underwriting will also look at build, other health conditions and lifestyle.  If you fall into a lower rating category than you anticipate, that is OK, you can still get a policy and ask the life insurance company to re-evaluate your rate once your health has improved.  Also, if you are not sure which rating category you fall into, just get in contact with me by using the contact tab.

Photo: Jenn Durfey   52KAWUPBYHW4

Arielle December 30, 2012 at 2:36 am

The rate that you will receive on your life insurance with asthma depends a lot on what degree of asthma you have, always be open about your condition with your insurance agent. Having more information about your condition will lead to having a more accurate life insurance quote, as well as being place with the right insurance carrier.

Scott December 30, 2012 at 4:55 pm

Great advice Arielle. Many of my clients have asthma and we got them excellent rates, often the Preferred Plus or Preferred rating class. The “Possible range of underwriting decisions” section in this post is a great barometer on the rating. But yes, always be open about about all medical conditions so the agent can get you the best rate upfront!

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