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.
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.