At Diversified Insurance Brokers, we help clients with health conditions like asthma secure the right life insurance coverage from our network of 100+ top-rated carriers. With decades of underwriting experience, we know which companies view asthma more favorably, how to present your medical history, and how to secure competitive rates even if you’ve been declined elsewhere. If you have asthma—whether mild, moderate, or severe—we can help you navigate the process and find the best fit.

Request Your Asthma Life Insurance Quote

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How Asthma Impacts Life Insurance Underwriting

Life insurance companies evaluate asthma carefully, focusing on the severity, control, and any complications. Factors that carriers often review include:

• Type and Severity: Mild or exercise-induced asthma is generally rated more favorably than chronic or severe persistent asthma.
• Frequency of Symptoms: How often you have attacks or need rescue inhalers.
• Hospitalizations: Any ER visits or hospital stays for asthma-related issues.
• Medication Use: Use of inhalers, corticosteroids, or oral medications, and how frequently they are required.
• Smoking Status: Smoking or vaping will significantly impact ratings.
• Related Conditions: Sleep apnea, COPD, or other respiratory or cardiac conditions.

Who This Coverage Is Best For

• Individuals with mild or moderate asthma seeking affordable term or permanent coverage.
• Applicants with well-controlled severe asthma who have not had recent hospitalizations.
• People previously rated or declined who want a second opinion from a broker with access to more carriers.
• Non-smokers who want the lowest possible rates despite their asthma history.

What You Can Expect (Typical Outcomes)

• Mild asthma, no hospitalizations: Standard to Preferred rates are often possible.
• Moderate asthma, occasional steroid use: Standard rates or a small table rating.
• Severe asthma, recent hospitalizations: Higher table ratings, but coverage still possible with the right carrier.

Example Pricing Scenarios (Illustrative Only)

• Female, 40, non-smoker, mild asthma, Standard Plus: ~$22–$28/month for $250,000 20-year term.
• Male, 50, non-smoker, moderate asthma, Table 2: ~$65–$80/month for $500,000 20-year term.
• Female, 55, smoker, moderate asthma: ~$180–$220/month for $250,000 15-year term.

Actual rates depend on the carrier, underwriting results, and full medical history.

Why Work With Diversified Insurance Brokers

• 100+ A-rated carriers: We know which insurers are most lenient with asthma cases.
• Expert underwriting knowledge: We package your case to highlight control and stability.
• Multiple product options: Term, whole life, universal life, and guaranteed issue policies.
• Confidential and efficient process: We keep your information secure and move quickly from quote to approval.

Real-World Example

A 45-year-old non-smoker with moderate asthma, controlled with daily inhalers and no ER visits in 5 years, was quoted Table 4 by another broker. We placed them with a carrier specializing in respiratory conditions and secured Standard rates, saving over $550 annually.

Ready to see your options? Complete our secure asthma life insurance request form today, and we’ll shop the market for your best offer.