Buying Life Insurance with Asthma

For healthy and active individuals, buying life insurance is not difficult.

Getting life insurance if you have asthma is, in comparison, far from easy.  The fact is, purchasing life insurance for someone who has asthma can be costly and stressful depending on the type and severity of your asthma.  Sever asthma is something life insurance companies defiantly consider high risk.

The good news is this:  Local Life Agents enables asthma patients, who also want to buy life insurance, to do so with our guidance and expertise.

We have in-depth knowledge about what questions to ask before we quote and apply for a policy.  This will make sure you receive the best offer on life insurance.

What Is Asthma?

According to the Mayo Clinic, asthma is a chronic condition that involves narrowing and swelling of the airways.  The subsequent production of excess mucus can make breathing more difficult, aggravated by coughing and wheezing.

Asthma is incurable, though its intensity varies among patients.  In more extreme cases, asthma can be potentially life-threatening.

Treatments address the effects of asthma, as the illness can change over the years.  It is crucial that asthma patients collaborate with a medical specialist to track and control their respective symptoms.

Asthma Facts

According to the Centers for Disease Control and Prevention (CDC), approximately 25.9 million have some form of asthma. 7.1 million of those individuals are children.  This chronic condition is the cause of over 15 million visits to doctors and hospitals each year.

The annual financial expense of asthma, including medical care and absences at school and work, exceeds $56 billion.

We understand the severity of these numbers, which is why we can find insurance carriers that offer life insurance for men or women suffering from asthma.

Asthma Underwriting

The life insurance underwriting guidelines involving asthma can be challenging, but that does not mean an applicant cannot receive coverage.

The following information will influence the outcome of the underwriting process:

• The type of asthma (seasonal, mild, moderate or severe) an applicant has.
• The date of diagnosis.
• The frequency of asthma attacks, and the number of hospital visits for treatment of this condition.
• What medications an applicant with asthma currently takes.
• If the applicant smokes.

Possible Outcomes

Best case: Minimal or mild asthma: Preferred or Super Preferred
Typical case: Moderate: Standard to Table 2
Worst case: Severe: Table 6 to Decline

No Exam Possible Outcomes

Best case: Standard – Minimal or mild
Worst case: Decline if

• Hospitalized or seen in ER 2 or more times,
• Used steroid medication or required oxygen in the past 12 months
• Combined with Tobacco Use, Smoker

Get a Quote

By clicking on and filling out the enclosed questionnaire Local Life Agents can start shopping among more than 40 insurance carriers, to see if you qualify for coverage.  We can then can offer you permanent life insurance or term life insurance.

Local Life Agents has the answers you need because we are experts at getting life insurance for patients who have asthma.

We are always with you throughout this period because it usually takes a minimum of three weeks (or more) before a life insurance company finishes its review and underwriting of your application.

During that time, you will take a free medical exam with a paramedical representative if you choose the fully underwritten options.  The exam allows a life insurance company to analyze your overall health and your medication history.

If you choose a no exam option, which is a simplified form of underwriting, the process is much quicker and a policy can be issued in less than a week and – sometimes in as little as 15 minutes.

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