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Asthma Life Insurance

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Illnesses - Asthma

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Considerations when applying for life insurance with Asthma

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Case Study 1

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Case Study 2

Case Study 3

Independent reviews at feefo.com

The Insurance Surgery is a leading insurance specialist for people who suffer from Pre-existing medical conditions such as Asthma and other Lung conditions. The Insurance Surgery offers a totally impartial service which is the whole of the market so we have access to all leading insurance providers as well as some specialist providers. Our main aim is to provide a market leading service and to offer unbeatable value monthly premiums.

The Insurance Surgery - Asthma Life Insurance specialists

The Insurance Surgery has been working with people who suffer from Asthma since 1999 and throughout those many years, we have developed a level of knowledge that is second to none.

Through our knowledge and expertise, we are able to determine which insurance providers are best suited to your individual circumstances and condition. Our vast knowledge of the various insurers underwriting also means that we won't waste your time searching and applying to a number of companies to obtain cover for you.

We are very proud of the high standards of service that we offer and the standards that we set ourselves. To see what our previous clients think about us and the service they received then visit our Review Centre page.

To view some examples/case studies of clients who have successfully obtained Asthma Life Insurance through The Insurance Surgery then please visit our Asthma case studies page.

If you suffer from Asthma or you have a friend or family member that suffers from this condition, and you are looking for guidance about insurance then you have come to the right place.

Facts about Asthma:

  • Around 5.4 million people are receiving treatment for Asthma in the UK (2010)
  • Asthma is a chronic condition
  • Asthma affects around 1 in 11 children and 1 in 12 adults in the UK
  • The cause of Asthma is currently unknown


How does Asthma affect Life Insurance premiums?

Asthma life insurance cover is generally obtainable and in today's insurance market and rates are generally improving. We have seen improvements in rates for a number of chronic medical conditions such as Diabetes and Asthma over the past several years thanks to improved mortality data and medical advances.

We generally find that ratings for Asthma can vary dramatically from standard rates upwards and good levels with minor symptoms are generally fairly simple to deal with.

Some possible issues to be aware of when applying for Asthma Life Insurance:

  • Smokers with Asthma would generally incur a loading
  • Any hospitalisation for severe attacks within the last 5yrs
  • Steroids (Prednisolone)


What about Asthma and Critical Illness Cover?

It is possible to obtain Critical Illness Cover for someone with Asthma in most circumstances unless the Asthma is very severe. There may be exclusions and providers may differ in terms of the levels of critical illness cover that they will offer so it important to shop around and to check your cover details before accepting anything.

What will we need to know to obtain cover for you?

The Insurance Surgery are leading experts and will provide accurate estimates for you as long as we have the right information.

Information that we will need is as follows:

  • When were you diagnosed
  • Date of last attack/duration of symptoms
  • Ever been prescribed steroids (i.e. Prednisolone)
  • Peak Expiratory Flow (Lung function tests)
  • Time off work due to condition (last 5yrs)


How can I get a quote for Asthma Life Insurance?

To speak to one of our expert consultants for a free no obligation quotation then complete our simple enquiry form or call freephone 0800 083 2829

Other products and services:

At The Insurance Surgery, we aim to offer a complete range of financial products and services for you and your individual circumstances. Over our many years of experience in the financial services market, we have gathered a list of products and partners who offer a great range of services tailored to suit your needs.

Our Services include:



Asthma Life Insurance related News

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