Asthma and Life Insurance 


ASTHMA & Life Insurance Underwriting


Life Insurance for Asthma Sufferers

If you have a history of asthma, a broker may still be able to help you obtain life or critical illness insurance. There are some critical factors involved that will determine your ability to obtain coverage & your information is always treated with the utmost privacy by the insurer or broker.

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Why is Asthma an issue for Life or Critical Illness Insurance ?

Asthma is a common condition that causes coughing, wheezing, tightness of the chest and breathlessness - where the airways become irritated and inflamed. As a result, they become narrower & produce extra mucus. This makes it more difficult for air to flow into and out of the lungs so causes the symptoms of asthma, which can be a killer. This can be an issue for life or critical illness cover dependant on severity.

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Life Insurance - Causes of Asthma

The cause of an asthma attack is not always clear but can be diagnosed using a peak flow metter, spirometry test, chest x-ray or allergy skin tests. However, there are several triggers that have been identified which can result in a flare up of symptoms. The most common triggers are:

  • Infections such as colds and flu
  • Irritants such as dust, pets, cigarette smoke & fumes
  • Chemicals / substances found in the workplace - this is called occupational asthma
  • Allergies to pollen, medicines, animals, house dust mites or certain foods
  • Exercise - especially in cold, dry air
  • Emotions - laughing or crying very hard can trigger symptoms, as can stress
  • Women are more likely to have asthma than men.

    Asthma often run in families, you can inherit the tendency to get inflamed airways

Life Insurance - Treatment of Asthma 

Asthma treatments, along with removing triggers, aim to restore normal activities of daily living by reducing the frequency, severity and length of asthma attacks. Inhalers (sometimes called "puffers") contain a gas that propels the correct dose of medicine either when the top is pressed down or on inhalation (some inhalers may be dry powder inhalers). This is inhaled into the airways.

There are 2 basic categories of inhaler medicines that are used for astma : Relievers - to treat your symptoms. Preventers - to help prevent your symptoms & are usually a blue or green colour. Short-acting relievers (known as bronchodilators) contain medicines such as salbutamol (eg Ventolin) and terbutaline (Bricanyl) that work to widen airways & ease symptoms.

Stopping smoking or losing weight is good for your health so may well improve your asthma symptoms. With good management and appropriate treatment, most people with asthma lead completely normal lives.

 Asthma Problems & Life Assurance Underwriting

 In order to check the severity of your Asthma, Insurers will ask you various questions and if severe are likely to request a GP or Medical Report. Note non-disclosure of your actual true Asthma control, may make any plan claim void & the insurer is not obliged on death or illness for the life insurance payout or to refund any premiums paid if this was deliberately not disclosed. 

What do Uk Life Insurance Companies look for - when Underwriting a History of Asthma ?

It would depend on the severity of your Asthma. For Life & Critical lllness Cover most insurers would view each case on an individual basis before making a decision. However the likely decision for cover is normal rates if asthma is under control to maybe a substantial premium rating if not. Note that decisions may vary quite dramatically between insurers - so please contact us for help & advice.

  • History - How long have you had Asthma problems & how does this affect you day to day? What are you historic Asthma readings.
  • Medical Records - What do your medical records say about you as a result of Asthma eg; taken into hospital, collapsed etc; ?  If you have already developed associated problems as a result of Asthma, some companies may probably rate your premiums or in the worst decline the case.  
  • Treatment - What type of Asthma medication do you take - is it controlled now ?
  • Family History - eg; Have any family maybe died as a result of Asthma ?


For help with Asthma issues why not visit or *

( * Note: You are now leaving the regulated site of Uk Life Insurance Quotes. Neither ourselves, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site.) 


Have Asthma & looking in 2022 to compare Life Insurance products against other Uk Insurers - including Life cover, decreasing (mortgage protection) or level term life insurance, Life with Critical Illness and Income Protection

For products with an investment element we may introduce you to an authorised adviser

Asthma & Life Insurance Underwriting Review 2020 


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" If you have Asthma & are concerned about trying to buy an affordable life insurance - it makes sense to talk to a specialist broker "














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This website is intended for UK consumers & any information contained therein is for Generic Guidance only and is not to be construed as advice. 
For protection we offer products based on a fair and personal analysis

By completing one of our no obligation quotation request forms, you may be provided with comparison protection quotes, key facts from leading Providers - based just on the basic information you have provided. Note: These quotes will not take account of any personal, health or lifestyle issues unless a full application is completed. You also consent for us to then kindly contact you by phone - where we may offer Professional Broker help & guidance if needed. We may as appropriate then help to arrange a suitable protection policy based upon your own circumstances & needs after a further review by "advice & recommendation". This will usually be on a non face to face basis. ‘As with all insurance policies, conditions and exclusions will apply’

 For products with an investment element we will introduce you to an authorised adviser. We act as introducers for Accident, Sickness and Unemployment and Mortgage Payment Protection Insurance plans. We may also introduce you to other selected professional partners for other protection or legal products as deemed appropriate. Online Dispute Resolution (ODR) - Financial Ombudsman. We nominate to fundraise for Great Ormond Street Hospital Charity.

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