Life Insurance for Asthma
Over 100 Carriers to Quote From. Here are a few of them!
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.
Life Insurance with Asthma
If you have asthma, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping clients with respiratory conditions find affordable, tailored coverage.
Speak with an expert who understands high-risk and chronic condition life insurance cases.
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.
FAQs: Life Insurance for Asthma
Can I get life insurance if I have asthma?
Yes—even with asthma you can often get coverage. Key things are how severe your asthma is, how well-controlled it is, and whether you’ve had hospitalizations or complications.
What asthma factors do insurers look at?
They evaluate type and severity of asthma (mild, moderate, or persistent), frequency of symptoms and rescue inhaler use, hospitalization or ER history, medication use (including inhalers/corticosteroids), whether you smoke, and whether there are any related conditions like COPD or sleep apnea.
How does control and severity affect pricing?
If your asthma is mild and well-managed (few or no hospitalizations, minimal rescue inhaler use), you may qualify for more favorable rates. More severe asthma, frequent flare-ups, or recent hospitalizations will likely lead to higher-rated classifications.
What can I expect from different coverage types?
Both term and permanent life policies are options. Term tends to be more affordable and simpler; permanent policies cost more but offer additional features like cash value, flexibility, and potential long-term benefits.
Who is most likely to get good rates with asthma?
Non-smokers with mild to moderate asthma, few recent attacks, stable medication regimens, no recent hospitalizations, and generally healthy other medical history tend to get better rates. Clear medical records and evidence of control make a big difference.
How can working with a broker help?
A broker with experience in respiratory conditions can help present your case in the best light: gathering medical records, demonstrating stability and control, choosing carriers known to be favorable with asthma, and finding product options that balance cost and coverage.
Talk With an Advisor Today
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About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
