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If you need life insurance and have asthma, you need to make sure you apply to the best life insurance co's for asthma or you may be unpleasantly surprised by the rates that you're offered.
Many insurance co's will put all asthmatics that take medication for asthma in their Regular or Standard rate category. This is ridiculous and you need to make sure you avoid these companies.
If you have more severe asthma, with regular hospitalizations and ER visits, or if you have asthma and you smoke, then you will most likely qualify for "Regular" rates on best case basis. But not everyone with Asthma should be lumped together, like some insurance co's seem to do.
There are a handful of insurance co's that will offer their best Preferred Plus rates to well controlled asthmatics that have had no hospitalizations or ER visits due to asthma in past several years and the asthma is well controlled with medication.
Some important things that need to be known to determine which life insurance companies and rates may be best for people with asthma are:
-When were you diagnosed with Asthma?
-What medications do you take and how often (daily or as needed)?
-Is your asthma seasonal or allergy related?
-Have you ever been hospitalized or to the emergency room for an asthma attack and how many times?
- Do you smoke cigarettes or use other inhaled tobacco (cigars, pipe, etc)?
If your health is good otherwise and your asthma is fairly well controlled then you may be able to qualify for Preferred Plus or Preferred rates with some of the more aggressive insurance co's for asthma.
Even if your asthma is more severe and you've had hospitalizations and ER visits for the asthma, there are still better insurance co's for you. We'll find you these co's, just call our toll free # or run a quote request to your upper right and give us at least your email address and we'll send you info/rates that will be best for you.
