6 minutes | Nov 18, 2017

Asthma Life Insurance

If you have been diagnosed with asthma, you may be wondering about asthma life insurance eligibility. Getting life insurance with asthma is possible if you have the right insurance agent and insurance company. In this article, we will offer some background on asthma, the underwriting process for life insurance for asthma, and if you can get approved for life insurance with asthma. What is asthma? Asthma is a breathing and lung disorder that causes the airways within your lungs to swell and narrow. This can cause breathing complications such as wheezing, shortness of breath, tightness in your chest, coughing, and labored breathing. What causes asthma? Asthma sufferers have trouble breathing when inflammation occurs within the airways in their respiratory system. When an asthma sufferer has an asthma attack, the muscles around the airways and the lining of the air passages begin to swell and restrict your ability to breathe normally. Your tightening airways during an asthma attack reduce the amount of air that can pass through your respiratory system’s airways. Asthma can be caused by a number of events (either allergens or triggers). Some people with asthma have exercise-induced asthma; some people with asthma are affected by pollen or particulates in the air; some people with asthma are allergic to animals, and some people with asthma are allergic to smells or fragrances. How often do asthma attacks occur? Some people living with asthma experience symptom-free periods of time followed by an occasional asthma attack. Some asthma sufferers may have long-term asthma symptoms resulting in labored breathing or shortness of breath. What are the main symptoms of asthma? Wheezing, coughing and difficulty in breathing are the main symptoms associated with asthma. Asthma attacks may become dangerous medical events if breathing is significantly restricted. Asthma attacks can last for minutes in some people and days in other people. How does asthma affect my life insurance eligibility? Because asthma restricts your body’s airways and limits your ability to breathe optimally, insurance companies will want to know your asthma-related medical history. For people with asthma who occasionally have asthma attacks or episodes that are controlled with rescue inhalers, your life insurance rates and eligibility will rarely be affected. People who have chronic asthma and are on daily asthma control medications will still be able to qualify for life insurance. Insurance companies will, however, want to know more about your asthma condition and your doctor’s medical treatment plan. For asthma sufferers with severe chronic asthma symptoms, your life insurance options may become more limited. Most asthma sufferers with severe chronic asthma symptoms are prescribed steroid-based inhaled or oral medicines. Steroid-based inhaler medicines are viewed more favorably than oral-based asthma medicines. Different life insurance companies will have different underwriting guidelines for people living with severe chronic asthma. We can help you understand your best options for life insurance eligibility and approval (and get you the best pricing). What do the insurance companies want to know about my asthma? The life insurance companies will look at: When you were diagnosed with asthma The severity of your asthma Your prescription history The effectiveness of your medical treatment plan Your compliance with your physician’s medical recommendations If you are a smoker or a tobacco user Your height and weight Any other physical or medical impairments Other considerations for asthma life insurance eligibility The life insurance companies will want to know about your medical history regarding your asthma. If you are on steroid medications for asthma, the life insurance companies will want to know more about your medical treatment plan that your doctors prescribed. One area the life insurance companies are significantly concerned about is the use of steroid medications. Steroid medications are used with moderate-to-advanced asthma patients. Their use won’t impact your life insurance eligibility and rates unless you have a severe asthma diagnosis (and are on oral steroid medications). One other thing life insurance companies are worried about when they see steroid use for asthma is a diagnosis of COPD (chronic obstructive pulmonary disease). If you are taking an inhaled or oral steroid, we will work with you to fully explain your medical history and prescription history to the insurance company so that you will get the best life insurance rates possible (and help them understand that you don’t have COPD). Can I get approved for life insurance with asthma? Absolutely! We are here to help you understand your life insurance eligibility and acceptance options. We work with life insurance companies that view your asthma condition more favorably. By working with these companies, we can get you the best asthma life insurance rates, with the highest acceptance rates in the industry. How do I shop for the best asthma life insurance companies? The best way is to let us do the shopping for you! All life insurance companies do not view your asthma and medication history in the same way. Some insurance companies look more favorably on people with asthma than other insurance companies. Some insurance companies also have more flexible underwriting guidelines for medications. It is important to shop with someone like Life Wealth Win who understands each insurance company’s underwriting guidelines and prescription medicine acceptability. Conclusion If you have been diagnosed with asthma, call us, and we will help you understand your asthma life insurance options. At Life Wealth Win, we specialize in healthy to high-risk life insurance cases. We can help you understand your life insurance options if you’re living with asthma. We work with clients across the nation to get the best life insurance rates possible. If you have asthma, we can help you to get the best life insurance rates. The post Asthma Life Insurance appeared first on Life-Wealth-Win.
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