Asthma is a very common long term health condition of the lungs. It is a chronic respiratory condition that causes the airways in your body to get inflamed and hence narrow making respiration difficult. Symptoms of asthma include coughing, wheezing, shortness of breath, chest tightness, etc.

The insurance companies take into account all of your health conditions while calculating the risks involved in providing you with life insurance and quite naturally the insurers will look into your asthma condition while underwriting your life insurance.

Factors that affect your life insurance

If you suffer from asthma, the insurance company is likely to ask you a couple of questions that are specific to your asthma to determine the severity and your control over the condition.

The following are some of the questions you should be prepared to answer:

  1. The time of diagnosis.

The insurers will ask you, when and how were your diagnosis with asthma. This will help them understand the duration for which you have been suffering from the condition while allowing a general idea of your control over your condition.

  • The frequency of your symptoms occurrence and its severity.

Questions might be asked about the severity of your asthma symptoms and the frequency or how often do the symptoms occur.

This information helps the underwriter have an idea about the specifications of your condition.

  • If you have been admitted to the hospital because of your asthma in the period of your last two years?

In case you have been admitted to a medical facility in the past two years details have to be provided to the insurance agent for reference.

  • When was the last time you had an asthma attack?

Asthma attacks are a sudden aggravation of asthma symptoms as a result of the tightening of the surrounding muscles in your airways.

The details of your last asthma attack have to be known to your insurance agents.

Tips on reducing your Life insurance premiums with Asthma

Tips on reducing the cost of your life insurance premiums include:

  1. Quitting Smoking
  2. Reducing the value of BMI
  3. Improving your lifestyle to a healthier one
  4. Avoiding excessive drinking

Read all policy-related documents carefully.

We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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