Life Insurance with Asthma

Can I get life insurance with asthma history?

In today’s life insurance marketplace you can find affordable life insurance with asthma. First let’s discuss what asthma is an what information is needed to provide the absolute lowest rate in the marketplace.

According to the asthma and allergy foundation asthma affects almost 26 million Americans.

Bronchial asthma is characterized by shortness of breath and wheezing due to constriction or narrowing of the smaller airways. It is a chronic inflammatory disease that without proper treatment can develop scarring of the lung.

Symptoms of an asthmatic attack can include chest tightness, coughing, wheezing, and labored breathing. These can last several minutes or several hours depending on the severity.

What do underwriters want to know about your asthma history?

A life insurance underwriter’s job is to determine the risk that will be associated for any particular insured. That risk will then be assigned a rating of which will determine the actual premium cost. When underwriting life insurance with asthma history, the underwriter will pay particular attention to the frequency and severity of the asthma history.

Below are the typical underwriting guidelines that an insurance company might use when evaluating life insurance with asthma history:

  • Mild Severity– 2 or less significant episodes per year. Therapy use could include any number of inhalers of any kind, including steroids. No injections or epinephrine/adrenaline. No aerosolized (nebulized) bronchodilator. One continuous oral medication but no steroid. Short course tapering oral steroid up to 1 per year. No hospitalization for asthma or other respiratory disease in past 2 years. 


  • Moderate Severity4 or less significant episodes per year. Therapy use could include any number of inhalers of any kind, including steroids. Injections of epinephrine/adrenaline less than 4 per year. Short course of aerosolized(nebulized) bronchodilator less than 4 per year. Any number of continuous oral medications,but no steroids. Short course tapering steroid of 2 or less per year. No hospitalizations for asthma or other respiratory disease in past 1 year.


  • Moderately Severe– 5 or less significant episodes per year. Therapy use could include any number of inhalers of any kind, including steroids. Injections of adrenaline less than 5 per year. Short course of aerosolized(nebulized) bronchodilator up to 5 per year. Any number of continuous oral medications, which may include low dose oral steroid (less than 10 mg daily).Short course oral steroid boost less than 4 per year. No hospitalizations or other respiratory disease in past six months.


  • Severe- 6 or more significant episodes per year. Persistent wheezing or dyspnea that limits activity. FEV 1 less than 1 liter at all times, including between episodes. Home oxygen.


Once the underwriter has gotten as much information as possible from the agent, the insured and if necessary the insured personal physician they will classify the risk into one of the classes above. This classification will then determine how much additional premium if any would be charged to the typical standard rate charged by the carrier.

As an example, an insured who falls into the mild risk classification would typically not be charged any additional premium for the asthma history. This would be considered a standard risk for the insurance company.

An insured who falls under the moderate risk classification would typically fall under what is known as a class or table B risk category. With most insurance companies this adds an additional 50% in premium to the base standard rate.

An insured who falls under the moderately severe risk classification would typically fall into the class or table D to G range of risk category. This would add an additional 100% to 175% in premium to the base standard rate.

An insured who falls under the severe risk classification would typically be a decline for life insurance. ( Guaranteed issue or other options could be available).

It is important to remember that the above scenarios are just examples and each individual is viewed differently. Other factors could come into play in regards to the overall risk class. This could include other medical history such as high blood pressure, cholesterol, diabetes, etc. It is important to make sure the underwriter has the complete picture.

Initial questions to evaluate life insurance with asthma

While searching for the most affordable rate when looking for life insurance with asthma, it is important for an agent to gather some initial information up front:

  • Male or Female
  • Date of Birth
  • Any history of tobacco use? If so, what type? If quit, when?
  • Date of first diagnosis of asthma?
  • Ever been hospitalized for asthma?
  • How many episodes of asthma have you in the past year that required an ER or doctor visit?
  •  Are you currently on any medications or using an inhaler?
  • Have you ever had pulmonary functions done?
  • Have you ever had an abnormal chest x-ray or EKG abnormalities?
  • Any other major health problems?
  • Amount of protection needed?

Remember, it is important to only work with an agent that understands this specialized area of underwriting. If you speak to an agent and they immediately want to give you a rate you should politely hang up.

No agent that understands the special risk marketplace, and that is looking out for the best interest of their customer, would quote a rate without speaking to an underwriter.

An agent that understands this marketplace would gather your information, talk to several insurance company underwriters and then come back to the client with the best rates available. This allows the client to save valuable time and money.

Important– You do not want to complete applications from several different carriers and take a medical exam until you know with almost surety that an offer will be made. This can severely impact you from finding the absolute best rate.

If you are looking for life insurance with asthma, and would like to find out the most affordable rate in the industry contact us at 1-888-393-9003 or


For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

We work with individuals across the nation to secure the best life insurance rates.

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