Asthma life insurance

Are you looking for a life insurance policy that covers you at a fair premium for asthma? We can help with our comparison service at iLL – we specialise in helping people with asthma to find a life insurance policy that protects them into the future should the worst happen. We pass your details and needs across to a network of approved impaired insurance specialists, helping to simplify your search for the right asthma life insurance policy

Living with asthma

Asthma is a condition that affects the lungs, making it difficult for a sufferer to breathe. The condition can affect anyone at any time, regardless of age. It is a long-term condition without a cure, but its effects can be treated. Symptoms include wheezing and difficulties breathing, feeling tightness in the chest and frequent and uncontrollable coughing. When an attack occurs, asthma sufferers experience swelling of their breathing tubes that are responsible for carrying air in and out of their lungs. This restricts space inside the tubes, making it hard for a sufferer to breathe. Asthma triggers include pollen, dust, pet dander, smoke and colds/flu.

Asthma is typically diagnosed through the carrying out of tests. The condition is treated through the use of an inhaler and tablets. There are two different types of inhaler for people with asthma – preventer inhalers and reliever inhalers. Preventer inhalers stop asthma symptoms from happening, while reliever inhalers ease symptoms if an attack happens.

Asthma is considered a long-term pre-existing health condition by many insurers. Even if the condition is diagnosed when a person is young, it can come back in adulthood. For this reason, many insurers offer life insurance cover for asthma sufferers due to its status as a common condition. Cover may be offered on standard terms, depending on the severity of symptoms.

The best insurer for asthma life insurance

With so many life insurance policies to choose from, it can feel confusing to compare the market and try to find the right asthma life insurance cover for your needs. As asthma is considered a preexisting medical condition (like diabetes), many insurers will accept applications. In severe cases however, some insurers may be cautious about offering cover. All insurers have to underwrite applications they receive from customers looking for asthma life insurance, and need to manage their level of risk. If you have frequent asthma attacks and have experienced severe symptoms, you may find it more difficult to find the right insurer. iLL can help you find the right insurer for your personal circumstances.

Costs for asthma life insurance premiums

Asthma is considered by insurers to be a pre-existing medical condition (like diabetes). As you have a pre-existing condition, you should expect to pay higher premiums than a person who doesn’t have asthma, but no more than other pre-existing medical conditions, meaning that the increase should be minimal. This will however depend on the severity of your asthma and how often you have attacks.
If your symptoms are under control, you may be offered cover on standard terms.

Prices from insurers will vary depending on who you speak to, which is why iLL can help you find the best asthma life insurance specialist.

You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if your condition is severe, you are not using inhalers to control your symptoms and there is a great likelihood of you making a claim to an insurance company in future, a loading fee may be applied to cover this risk.

At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best policy deal.

Which companies offer asthma life insurance?

iLL works with many of the UK’s leading asthma life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one asthma life insurance broker. Just submit your details through one of our quick and easy online forms to get started. iLL specially matches your details against the UK’s leading FCA-regulated insurance providers. This should help you to find:

– A asthma life insurance policy at a price that suits your budget
– Substantial cover for all your assets
– An insurer with an understanding of asthma as a condition

Further cover for asthma life insurance

Critical illness cover for asthma sufferers

Critical illness cover is a policy that pays out a cash sum to you if you are diagnosed with a critical illness such as cancer. If you have asthma, you may find that exclusions are applied to your policy in relation to breathing-related conditions or diseases involving the lungs or throat.

iLL’s policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today. It’s quick, easy to do and saves you time searching the market for the right insurer.

Further information

For more information about asthma, visit the following links:


British Lung Foundation

Or visit one of our Impaired Life Leads dedicated websites.

iLL makes the purchasing of asthma life insurance as quick and easy as possible. If you have a preexisting medical condition, it can feel overwhelming to know where to find the best price and insurer for your circumstances. Fill in our easy 30-second form with your details to be referred for free to our specialist impaired life insurance partners for asthma life insurance.