Life Insurance With Asthma Asthma rarely affects your premiums

Most UK insurers offer standard rates for people with asthma. Mild, well-controlled asthma typically has no impact on your premium at all. Even moderate or severe asthma does not prevent you getting cover. Compare quotes from leading UK insurers. Rated excellent on Trustpilot.

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Asthma and Life Insurance

What insurers look at when you have asthma.

Standard Rates For Most

If your asthma is mild and controlled with a preventer or reliever inhaler, most insurers will offer standard rates with no premium loading at all.

Severe Asthma

If you have been hospitalised for asthma, take oral steroids, or have frequent attacks, you may see a small premium increase. Cover is still widely available.

What Insurers Ask

Insurers will ask about your medication, any hospital admissions, time off work due to asthma, and whether your asthma is getting better or worse. A broker will call to walk you through it.

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How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Asthma Severity and Premium Impact

How your asthma severity affects what you pay.

Asthma Severity	Typical Premium Impact
Mild, controlled (reliever inhaler only)	Standard rates — no increase
Moderate (preventer + reliever inhalers)	Standard rates or small increase
Severe or hospitalised	Moderate increase — cover available
Steroid-dependent or nebuliser	Higher increase — specialist insurer recommended

Each insurer assesses asthma differently. A broker will call to compare and find the best rate for you.

Frequently Asked Questions

Common questions about life insurance and asthma.

For most people, no. Mild, well-controlled asthma typically has no impact on your life insurance premium. Severe asthma may lead to a small increase, but cover is still available.

Yes. You should always declare all medication, including inhalers. Non-disclosure could invalidate your policy. Declaring a reliever inhaler will not usually affect your premium.

Well-controlled asthma on a standard inhaler usually means standard rates with no premium loading. Insurers view well-managed asthma very favourably.

Yes. Hospital admissions for asthma may mean a higher premium, but cover is still available from most UK insurers. A broker will call to compare options and find the best rate.

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