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Asthma Life Insurance

Put simply, Life Insurance is a type of insurance that will pay out a sum of money to your loved ones in the unfortunate event of your passing. More specific types, such as Whole of Life and Term Life Insurance will determine for how long your Life Insurance will last. As an asthma sufferer you may find that the application process to gain Life Insurance is slightly more complex

than that of the application process for a non-asthma sufferer, but Active Brokers are here to guide you through the process step by step.

Due to the huge variation in the severity of asthma in daily life from person to person, it will really depend on your personal case to determine what insurance you will be eligible to get and at what price. Please note that your doctor may be contacted for a medical check-up to confirm how serious or moderate your asthma condition is. Seeing as most mild asthma conditions are not fatal, Life Insurance will not be as expensive as some other types of insurance with a medical condition that do reduce life expectancy, even though there is still a slightly increased risk with asthma sufferers. There will be a higher price in general for people applying for Life Insurance with a long term medical condition like asthma, but with Active Brokers we can search the top insurers on the market to ensure you’re getting the best possible price.

To apply for a quote on Life Insurance you need only click below to speak to our expert advisors who can find the best policy to suit your personal needs as an asthma sufferer. Our advisors are aware of how much asthma can affect your daily life, as well as the price of insurance for asthma sufferers in the market as we have over 15 years experience assisting people with medical conditions to find insurance.

A little bit about Asthma

Asthma is often a lifelong condition that causes respiratory problems including coughing and breathlessness. It tends to vary in severity from person to person, and is often associated with ‘asthma attacks’.

The causes of asthma attacks are known as triggers and generally include dust, fur, pollen, smoke and fumes. When they come into contact with the lungs the small tubes that make up your airways become inflamed and irritated. The reason why some people suffer from asthma while others don’t is still an area of uncertainty, however it is understood that a mix of genetics and environmental factors can cause asthma to be more prominent. The symptoms of asthma are most commonly wheezing, shortness of breath, coughing, and the sensation of having a tight chest. Symptoms are often worsened during the night. If not treated then asthma can escalate and worsen with time.

The most known treatment for asthma are the inhalers that we see asthma sufferers using, and they certainly prove an effective method of treatment as when used correctly they release the medicine directly into the lungs. There are very few side effects to using an inhaler, the most common of which is fungal infections in the throat and mouth, but this can easily be solved by using an extra chamber onto the inhaler called spacer. However there are other types of treatments available such as tablets that deter the reaction that makes the lungs inflame, and other tablets to widen and relax the airways. Steroids are also used as a method of controlling asthma attacks when they become severe, but not as a long term treatment as they can cause more serious side effects if taken for more than 3 months. For more information on side effects and asthma in general, take advice from the NHS website or talk to your doctor or GP.