Get The Best Life Insurance Rates With Asthma By Choosing The Right Company
Asthma-is an obstructive lung disease characterized by reversible airway obstruction and airway hyper-responsiveness.
•Frequency of symptoms
•Duration and intensity of exacerbations
•Medications taken for treatment, including response to treatment
•Any similar serious impairment
•Number of asthma attacks in past year
•Ever require a rescue inhaler
•Rated A-C 1
•Rated D-H 2
•Rated I & Above 3
Possible range of underwriting decisions
Very mild allergy induced asthma, seasonal rarely on inhalers, no steroids: possible Preferred Plus rating class.
Recurrent asthma, rarely on inhalers, no steroids: possible Preferred rating class.
Mild, less than 5 attacks a year, on inhalers: possible Standard Plus to Standard rating class.
Moderate asthma,: possible Substandard rating class 1 or 2
Severe asthma: possible Substandard rating class 2 to a decline
Obtaining life insurance with asthma can be tricky unless you choose the right company. By knowing the factors that affect life insurance rates, you can shop with confidence and know what to expect. You can use the instant quote engine on this site to shop for the best rates. Also, keep in mind underwriting will also look at build, other health conditions and lifestyle. If you fall into a lower rating category than you anticipate, that is OK, you can still get a policy and ask the life insurance company to re-evaluate your rate once your health has improved. Also, if you are not sure which rating category you fall into, just get in contact with me by using the contact tab.
Photo: Jenn Durfey 52KAWUPBYHW4