How to Get Term Life Insurance With Asthma

While it may require additional shopping for the right policy, getting life insurance with asthma is an option. Just because you have asthma does not mean you won't be able to get a life insurance policy.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Written by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: May 24, 2022

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Quick Facts

  • Getting life insurance is an option for those who have asthma
  • The severity of your asthma and how you manage it are key factors in obtaining life insurance
  • Some companies are more asthma-friendly than others, and it’s important to shop around to get the right coverage for you

Life insurance is an important consideration for anyone, as it provides financial security and peace of mind for any family. Yet, when it comes to actually finding the right policy, many people have questions about their own situations and how to best go about it. Questions can stem from wondering how much term life insurance to purchase, to whether or not you can actually obtain term life coverage. 

Eligibility may be a particularly concerning issue in the minds of those with asthma (or with any other preexisting condition, for that matter). However, getting life insurance with asthma is absolutely an option and may simply require some extra shopping to find the right policy for you.

Does asthma disqualify a person from term life insurance?

Because asthma is a pre-existing condition, asthma and life insurance may not seem to go together, but those with asthma can rest assured that this is not the case. Having asthma does not disqualify you from obtaining life insurance. 

While some companies may be easier to work with than others, you can still find affordable life insurance with asthma when you know where to look. That starts by understanding the life insurance terminology around your term life policy. 

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What is the best type of term life insurance for asthma?

Term life insurance is coverage lasting for a set term (10 or 20 years, for example). Companies promise to pay a lump sum of money in the event of the insured person’s death. But under the umbrella of term life insurance, there are many different types of coverage.

For example, renewable policies allow you to keep your insurance for an additional term regardless of changes in health, while the return of premium policies pay back all or some of your rates if you outlive your policy. 

If you are ready to buy life insurance with asthma, consider a convertible term life policy. Convertible policies allow you to convert your temporary policy to a permanent one later on. This might be especially helpful for those who are uncertain whether they need a longer-term policy and want to start with a shorter term.

Where can I buy term life insurance with asthma?

When comparing policies and quotes online, you should keep in mind your family’s specific needs, such as how long you need the policy in place, how much money your family would need in the event of your death, what features would best optimize coverage for you, and what your current monthly or annual budget is for such a policy.

The best life insurance companies for those with asthma are Haven Life and Prudential. 

Starting with these companies, it’s a good idea to find policy information and quotes online for your own comparison before applying.

After you submit your application, the underwriting process begins. From there, the insurance company will contact you about any follow-up questions they have or steps you need to take before it can make a final decision about your application.

How to Get Term Life Insurance With Asthma: The Bottom Line

Having asthma does not disqualify anyone from buying term life insurance. If you have asthma and are shopping for term life insurance, compare life insurance insurance companies online to find one that offers competitive rates. 

Regardless of your coverage, it is very important to take care of yourself and manage your asthma symptoms. According to the Mayo Clinic website, asthma symptoms can range from mild to very severe depending upon the person, but even milder cases can worsen over time. 

The company you buy life insurance from may also require you to undergo a physical exam in order to determine your rates. Reducing your asthma symptoms and being in the best physical condition possible will help you find cheaper life insurance quotes. Talk to your doctor about the best steps for you to take to reduce your symptoms and lower your life insurance rates.

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