FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

Asthma Life Insurance

You may have found it difficult to secure life insurance with asthma life insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Asthma Life Insurance?

People suffering from Asthma looking for life insurance should have no issues in getting covered for the majority of cases, especially where the Asthma is mild and diagnosed many years ago. Asthma life insurance is generally viewed by underwriters as lower risk due to the type of condition that it is and therefore terms offered will generally be either standard rates or a small loading applied. Life insurance for people with Asthma will depend on a number of factors, such as:

Frequency / severity of symptoms or attacks

Medication (e.g. which inhalers used and how often)

Hospitalisation

Use of Steroids for treatment

Asthma life insurance can be subject to additional underwriting where there is use of oral steroids or for smokers (especially heavy smokers). There may also be additional medical information required for Asthma life insurance if you have been admitted to hospital as an in-patient or out-patient within the past 5 years. More severe cases where there has been multiple attacks in the past several years and symptoms are more acute then Asthma life insurance may be offered with an increase to your premium or even declined in very serious cases.

For the majority of people who suffer from Asthma, symptoms are generally mild and well controlled which means that we are generally able to offer standard premiums for Asthma life insurance with no special terms. If you have suffered from Asthma for a number of years and have previously had life insurance accepted on special terms then it is always worth reviewing your cover to see whether your premium can be reduced due to better control or improvements in underwriting.

How Asthma Life Insurance works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

There are several key areas that are taken into consideration when underwriters look at the risk for Life Insurance for Asthma:

Age of Diagnosis

Treatment (i.e. Inhalers, Steroids, Medication etc.)

Date of the last attack

Any hospitalisation

Time off work

The Insurance Surgery is a leading independent life insurance expert for pre-existing conditions such as Asthma and our team of expert advisors will search the insurance market to find the best deal for you.

Asthma Critical Illness Cover

Due to the fact that Asthma is generally a mild to moderate chronic medical condition then Asthma critical illness cover will generally be offered at standard rates with no exclusions. Life insurance underwriters will often require more information about your Asthma such as any time off work, any hospitalisation or any use of steroids to be able to identify the severity of your condition. In cases where there are no issues or complications then Asthma critical illness cover will almost always be offered with no exclusions and no premium loadings.

Asthma Income Protection

Due to the nature of income protection and the fact that underwriting is more strict than life insurance and critical illness cover, you may that it’s more difficult to get covered for Asthma income protection. Generally we still find that the majority of applications for Asthma income protection are still accepted with no increase to premiums due to the number of people we see that have mild symptoms or are well controlled. In more severe cases where there are more frequent symptoms / attacks (e.g. daily), recent hospitalisation or time of work then special terms will usually be applied.

Facts about Asthma

Asthma is categorised as a chronic condition (constant) which causes an inflammation of the lungs and airways that result in coughing, shortness of breath, chest tightness or wheezing. Asthma statistics

5.4 million people are diagnosed / being treated for Asthma (1 in 11 children / 1 in 12 adults)

1216 people died from Asthma in 2014

NHS spends £1 billion every year on treatment and carers for Asthma

Every classroom has 3 children with Asthma on average

Asthma attacks result in a hospital admission every 8 minutes

Most people with Asthma can and do lead perfectly normal lives with no restrictions to daily activities and therefore life insurance premiums can reflect that with normal rates.

Treatment for Asthma

Asthma is most commonly treated by using an inhaler which is also known as a pump and this equipment will insert a type of medication directly into your airways. There are lots of different types of inhalers and the most common types of inhalers are:

Preventer inhalers – To stop Asthma symptoms from occurring in the first place

Reliever inhalers – These are bronchodilators that relax the muscles and widen the airways helping you to breath

Causes of Asthma

Asthma is caused by inflammation of the Bronchi which are small tubes that carry air to and from the lungs. These tubes (Bronchi) are more sensitive for Asthma sufferers and can easily be irritated when they come into contact with certain elements (known as triggers). This will cause the airways to become narrow and the muscles around them to tighten which increases the production of sticky mucus (phlegm).
Most Common Triggers:

Cigarette smoke

Pet hair / fur

Exercise / loss of breath

Viral infection

The Insurance Surgery is a leading Asthma life insurance expert and we have helped thousands of families, individuals, and businesses to protect their financial future.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Does Asthma affect Life Insurance?

For most people with Asthma, where Asthma is under control with medication and inhalers, life insurance would normally be available at normal rates. If the Asthma is more complicated and there is a history of severe attacks or hospital admissions, then the cost of the life insurance may be increased. By using The Insurance Surgery we will find you the most competitive cover.

Asthma and Critical Illness Insurance

Critical Illness Insurance will usually be available to people with Mild Asthma and should be available at normal rates. If the Asthma is more severe, then the cost of the Critical Illness Insurance may be increased and even declined in the most severe cases.

Asthma and Income Protection Insurance

It may be possible to obtain Income Protection Insurance at ordinary rates if you only have mild Asthma. For more severe cases the cost of the insurance may be increased or even declined.

Asthma and Private Medical Insurance

As a general rule of thumb, Private Medical Insurance cover will usually not be offered for pre-existing, ongoing medical conditions. This means that you will probably be able to obtain insurance but the cover for your Asthma and any related conditions will be excluded.

Asthma and Travel Insurance

When applying for Travel Insurance it is vital that you declare your Asthma as a pre-existing medical condition. You should then make sure that the Asthma is fully covered in case you suffer from an attack on holiday. Usually, providing the Asthma is under control, the Travel Insurance will be accepted at normal rates.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

Family

By Policy

Helpful Information

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Asthma Life Insurance

What Is Asthma Life Insurance?

Frequency / severity of symptoms or attacks

Medication (e.g. which inhalers used and how often)

Hospitalisation

Use of Steroids for treatment

How Asthma Life Insurance works:

Age of Diagnosis

Treatment (i.e. Inhalers, Steroids, Medication etc.)

Date of the last attack

Any hospitalisation

Time off work

Asthma Critical Illness Cover

Asthma Income Protection

Facts about Asthma

Treatment for Asthma

Causes of Asthma

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we'll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*