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Asthma Life Insurance Guide 2024

Life insurance pays out a lump sum to protect your family against financial difficulties if you die, which also includes covering people with asthma. If you’ve been diagnosed with asthma and you need life insurance to protect your family, there are lots of options for you.

It is frustrating that people with pre-existing medical conditions such as asthma, sometimes have issues with getting life insurance. There are lots of things to think about here and ultimately you just want to get the best and cheapest cover to protect your family and your home if something happens to you in the future.

In our latest independent asthma life insurance guide, our insurance experts will explain how asthma can affect applying for life insurance. We’ll also answer the most common questions that people ask when they are looking for life insurance with asthma.

According to Asthma + Lung UK, there are:

  • 5.4 million people are living with asthma in the UK
  • Around 1 in 12 UK adults have asthma
  • Around 1 in 11 UK children have asthma
  • Around 5% of people with asthma experience severe symptoms

With so many people in the UK having asthma, most life insurance companies can offer you the cover that you need and at an affordable price. If your symptoms are more severe or you’ve had trouble getting covered in the past, you might find it helpful to talk to an asthma life insurance expert for free advice before you apply.

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60-Second Summary – Asthma Life Insurance Guide 2024

This full and comprehensive guide has been written by our insurance experts to answer all your questions about applying for life insurance with asthma. We aim to make buying life insurance as easy as possible for you, by providing all the information that you need to find the best and cheapest life insurance quotes.

Buying a new life insurance policy can seem like a confusing process if you’ve never applied before, but it’s normally much simpler than you would imagine. An asthma life insurance expert can help you to compare the UK’s best life insurance policies to find the one that is the best fit for you.

  • Asthma life insurance is usually very affordable and will often be no more expensive than a policy for someone without any medical conditions.
  • People with more severe symptoms can often still find affordable and suitable cover, if they get proper advice from a medical life insurance specialist.
  • Your life insurance policy would pay out a cash lump sum to your loved ones if you died because of a complication from asthma. It will also pay out if you die for any other reason, providing vital financial support for the people that you love.
  • People with asthma will have lots of options for life insurance policies, which includes level term life insurance (family protection) and decreasing term life insurance (mortgage protection).
  • Critical illness insurance is usually available for people with asthma, and this can be added to your life insurance policy for a higher level of protection. These policies can pay out £10,000’s to support you and your family if you are diagnosed with a serious medical condition in the future.

Buying life insurance with asthma is normally simple, especially if your symptoms are mild or they are well controlled.

If you’ve experienced a serious asthma attack, you will know exactly how frightening this is, and these attacks can be life-threatening in severe cases. It’s not fun to think about, but a situation like this is where having a life insurance policy can provide some peace of mind.

Your family would be financially protected if the worst were to happen, and they would receive a cash lump sum to help ease some financial pressure during an extremely difficult time.

According to the NHS, asthma is the most common respiratory condition in the UK, which means that life insurance companies will often receive applications from people with asthma. If you’re not sure of your best options for cover, an experienced medical life insurance specialist can explain which insurance companies might be best and cheapest for you.

Does asthma affect insurance?

So many people ask our experts if having a medical condition means that their life insurance policy won’t cover as many things, which is a fair question to ask if you are worried about this.

Your life insurance policy won’t be anydifferent just because you have asthma, and you will be protected if you died because of complications from asthma. You will also be covered for any other conditions that you have, or any conditions that are diagnosed in the future.

It will usually be a little easier to get life insurance if your asthma symptoms are well managed, but there are still several options for people with more serious symptoms. There are some brilliant specialist companies that can help, and an experienced asthma life insurance specialist will be able to explain all your best options for cover.

Millions of people in the UK are living with asthma, and asthma can have a big impact on your lung health if it isn’t well controlled. This video from Asthma + Lung UK explains more about how asthma affects your health.

How asthma affects your lungs | Asthma + Lung UK

It is usually straightforward to buy life insurance with asthma, especially if your symptoms are mild to moderate. Most people who have asthma won’t suffer from severe symptoms, so life insurance companies generally won’t view someone with asthma as ‘high risk’ to insure.

However, the price of life insurance will always vary between insurance companies, so it’s best to compare quotes from a few to make sure that you get a fair price. Some insurance companies are automatically cheaper for people with medical conditions, because of their background and the way that they work.

The insurance company might ask some extra questions when you apply, to give them a better idea of how your asthma affects your general health and lifestyle. This isn’t anything to be too concerned about, and you should try and answer any medical questions as honestly as you can to make sure that your policy is valid.

Key factors for asthma life insurance:

  • How old were you when you were first diagnosed?
  • Do you use inhalers, steroids, or medication to control your symptoms?
  • When did you experience your first asthma attack and how severe was it?
  • Have you ever been hospitalised due to asthma?
  • Have you ever needed time off work because of asthma?

Can I buy standard life insurance?

A lot of people that we speak to assume that they will need to buy life insurance from a specialist insurance company if they have medical conditions. This generally isn’t true for people with asthma, as milder cases of asthma won’t be considered serious or ‘high risk’ by most standard insurance companies.

It’s possible to buy asthma life insurance from many of the UK’s top life insurance companies, and you can buy popular policies like family life insurance, mortgage life insurance, and whole life insurance.

Life Insurance provider reviews

There is no need to worry that your life insurance policy won’t cover your asthma diagnosis, as standard life insurance will always cover any pre-existing conditions.

This means that any conditions that you have when you buy your policy will be covered, as long as you tell the insurance company about them. Understandably, it can be tempting not to mention certain things about your health if you’re worried about the price of your cover.

Ultimately, this just isn’t worth it as it can lead to your policy not paying out, which is the last thing that anyone would want.

While asthma is often thought of as a ‘mild’ condition, complications from asthma can sometimes be life-threating. It is scary to think about what might happen to your family if you experience a fatal asthma attack or any serious complications (e.g. collapsed lung).

If this were to happen and you died, your life insurance policy should pay out a cash lump sum to support your loved ones. You can choose how much this amount will be, which can range from anywhere between £1,000’s to £1,000,000’s based on what you need.

This money would make a huge difference to your family’s financial situation, helping with important expenses such as:

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One of the main questions that we get asked is ‘will my life insurance be more expensive because I have asthma?’. In most cases, the answer to this is no, and it is often possible to buy life insurance with no increase in price or a very small price increase.

Our independent experts thought that it would be useful to highlight an example of a real customer with asthma that we spoke to this year. This example aims to give you an idea of how affordable life insurance policies can be, even if you have a condition like asthma.

In this scenario, Miss B. was able to get the cover that she needed to protect her mortgage for only £11.73 per month. She also bought her policy through a standard insurance company (Scottish Widows) and didn’t need to apply to a specialist insurer.

This won’t be the price that every person with asthma will pay, but it does show that prices can often be very reasonable. Various things can affect the cost of your cover including any other medical conditions, your job role, and any risky hobbies (e.g. rock climbing).

Example asthma life insurance policy

Details of applicantMiss B was born in 2000 (24 years old) and is a non-smoker.
Asthma details and informationDiagnosed with asthma during childhood.
Last serious attack was in 2022, which required 4 nights in hospital.
Other health informationHeight: 5’1” / Weight: 10st6
Cover requirementsNeeded £237,500 of decreasing life insurance to protect a new mortgage, with a policy term of 40 years.
Monthly premiums (£s)£11.73 per month
Guaranteed (fixed) premiums
Standard insurance company (Scottish Widows)

Sadly, we’re all aware that it has become more expensive to live in the UK recently, due to the cost-of-living crisis. If you are worried about paying too much or want to save some money, there are some simple ways to reduce the cost of your life insurance policy.

  • Choose a shorter policy term (number of years covered)
  • Choose a cheaper type of policy (e.g. family income benefit)
  • Shop around for the best quotes
  • Review any existing policies, as you might be able to save money by switching to a new insurance company

Will I need a medical when I apply for life insurance with asthma?

Sometimes life insurance companies will ask for extra medical information when you apply for life insurance, and this will often happen for people with medical conditions like asthma.

This isn’t anything that you need to worry about, and it doesn’t mean that you won’t be able to get the cover that you need. Believe it or not, it can be helpful to give the insurance company extra information, as it means that your family are less likely to run into issues if they need to claim.

It’s rare to be declined life insurance based solely on having asthma, so this isn’t something that you will normally need to worry about.  There can be a few occasions where an insurance company might decline or postpone an application from someone with asthma such as:

  • Recent hospitalisations are a concern for insurance companies and especially where there has been steroid treatment. If you’ve been hospitalised recently then it’s likely a GP report will be required to find out more about it
  • Medication / Treatment where the levels required are high to manage and control asthma. For example, if you receive high levels of inhaler prescriptions then you might be asked to provide more information
  • Smokers with asthma are considered to be high risk purely because of how that can impact your lung capacity and breathing

We appreciate that it’s incredibly frustrating to be declined for the cover that you need, which is why we make sure that you only apply to the most suitable insurance companies. Being declined in the past isn’t necessarily a problem either, as insurance companies generally won’t care that you’ve applied to other insurers before.

It’s definitely possible to buy critical illness insurance if you have asthma, and most insurance companies will be able to offer cover. Critical illness cover can be extremely useful, as it can pay out £10,000’s to support you and your loved ones if you are diagnosed with a serious illness such as cancer.

Critical illness cover has been designed to help with any costs associated with a serious illness including:

  • Private consultations or second opinions
  • Replacing income if you can’t work for a while
  • Adaptions to your home (if needed)
  • Helping with bills like rent or mortgage payments

Though asthma can affect your daily life, it’s not usually classed as a critical illness by insurance companies, so it’s unlikely that you would be able to claim for this. However, you might be able to claim for complications or related conditions like:

Being diagnosed with any of these conditions is distressing and will have a big impact on your life and your family. Critical illness cover has been designed to help ease any financial pressure that you might experience to make things easier for you and your family.

Is income protection available for people with asthma?

Most people with asthma will be able to get income protection insurance, and this can be useful if you need time off work due to asthma or any other medical issue.

On some rare occasions where the symptoms are more severe or your treatment is stronger, then there could be some limitations which an experienced advisor would be able to explain.

There are other similar products (e.g. personal accident insurance) that are available for people who are unable to get coverage through the normal routes.Income protection can be complicated because of the number of options available. Our skilled income protection experts will be able to advise you on which options will be most suitable for you.

How can asthma be triggered?

According to the CDC, common triggers for asthma symptoms include smoking, dust, allergies, weather changes, infections, cold or dry air, and even certain foods and smells.

It can be helpful to understand what triggers your asthma symptoms, as this can vary from person to person. Understanding your main triggers can help you to avoid these triggers and to prevent your asthma symptoms from worsening.

How do you relieve asthma symptoms?

The most common way to relieve asthma symptoms is by using an inhaler, which allows you to breathe in the medication that you need. You may also be prescribed tablets or other medication if your symptoms are very severe.

When you have been diagnosed with asthma, your doctor or nurse will usually work with you to create a ‘personal action plan’ for keeping your symptoms under control.

Is asthma a medical condition for insurance?

If you have asthma, this will be considered a ‘pre-existing condition’ for most types of insurance. This includes policies like life insurance, health insurance, and travel insurance.

Any medical condition that you have had in the past will be considered ‘pre-existing’, though some insurance companies will only ask about conditions where you have been treated or experienced symptoms within the last 5 years.

Do I need to declare asthma on life insurance?

If you have asthma and need life insurance, then you will need to provide insurers with information about your condition. You should always declare your pre-existing conditions when you apply for life insurance, as not doing so could make your policy invalid.

Asthma won’t usually cause issues when applying for life insurance, but it’s still important to make the insurance company aware of your diagnosis.

It can be hard to compare life insurance quotes if you’re not sure which policies and companies will work best for you. The easiest way to find the right life insurance policy is by comparing quotes with the help of an asthma life insurance specialist.

To get your free and friendly life insurance support and advice, you can CLICK HERE or call our experts on 0800 009 6559.

For further support for people with asthma or other lung conditions, you can get free help and guidance from Asthma + Lung UK, the UK’s leading respiratory conditions charity.

Asthma + Lung UK

Asthma + Lung UK are the UK's leading charity focusing on lung health and respiratory conditions. They consistently campaign for changes to improve the nation's access to better respiratory care, with their main mission being 'a world where everyone has healthy lungs'.

There are a lot of useful resources on their website, which includes links to find local support groups and free online guidance for living with lung conditions like COPD, asthma, sleep apnoea, and more.

Contact Asthma + Lung UK

Telephone - 0300 222 5800

Email - info@asthmaandlung.org.uk

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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