Asthma is a chronic condition that will create havoc on your body. Asthma can cause you to wheeze, shortness of breath and cause you to have a chronic cough. As per the CDC 1 in 13 people have asthma.
Final Expense Insurance For People With Asthma
Can I get life insurance if I have mild asthma? Having asthma can sure pose a lot of challenges in your daily life. Emotions, stress, exhaustion, and even smelling something odorous are some of the triggers that people with asthma have problems facing.
Thankfully, asthma will not get in the way of you getting the best burial or final expense insurance. In fact, it is on our qualified health impairment list.
With decades of experience, we have helped countless clients with asthma get the lowest rates with immediate insurance coverage from day 1 from the country’s top-rated A+ insurance companies.
Now, it’s time for you to get the best coverage too! Contact us or fill in the quote box on the right for the best quotes.
Final Expense Insurance Companies And Asthma
Let’s start with the good news!
It is uncommon for burial or final expense insurance companies to ask specifically about asthma! It will not come up in the questions in their underwriting process, and if a disease or a health condition is not being asked, it means they are not strict with it.
That is why if you’re dealing with just asthma, top-rated A+ insurance companies will offer the lowest rate possible with immediate insurance coverage starting day 1- this is commonly called a “simplified”, “preferred”, or “level” type of plan.
Now for the bad news…
There is none…
Can I get life insurance if I have severe asthma? As long as you are only dealing with asthma only and have no other serious disease or illnesses that could affect the quality of insurance plans to be offered, you will hear no bad news. Unless of course, you have other pre-existing conditions.
But if you have
other serious health issues that insurance companies might be strict with, it’s
critical that you get in touch with one of our independent and well experienced
So if you happen to be asked about asthma and you’re being offered a burial insurance plan for seniors at a higher cost or with a waiting time period because of your asthma, turn around and walk away.
So, do insurance companies offer simplified insurance coverage right away? Well, not yet, you still need to go through an underwriting process.
Can You Get Life Insurance If You Have Asthma
Underwriting Process Of Asthma
The truth about getting the lowest rate and immediate insurance coverage for burial or final expense insurance is that you will always have to go through an underwriting process- even if you only have a health condition like asthma that most insurers are not strict about.
Again, asthma is one of the health conditions that burial or final expense insurance companies DOESN’T red flag or question about. So if you only have asthma, your underwriting process will go without a hitch.
In the underwriting process, insurance companies will ask about the following:
- Questions about your health and ask if you have other illnesses.
- Prescribed medication history
These are the aspects of your overall health they will look into, to assess if you might have other illnesses now and other serious illnesses that you may had in the last 24 months.
I Am A Smoker With Asthma
I am a smoker with asthma, can I get life insurance? Yes you can. You will have a smoker rate and that is slightly higher of course than a non smoker rate. As long as you have general good health and the asthma is controlled, you can still get day one coverage as a smoker with asthma.
Asthma Life Insurance Underwriting
The set of health questions will be different from one insurance company to another. They will ask if you have some illnesses that they look out for or if you had them in the past.
Again, if you see asthma being asked on the health questions, stop and contact us and we will get you in touch with top-rated A+ insurance companies that do not ask about asthma because that health condition is nothing to them.
Now, if you know that you have other illnesses that you think will cause some problems, please contact one of our Final Expense Insurance Specialists that can expertly assist you with answering the questions tactically with the utmost truth to get you the best possible coverage plan.
Is Asthma A Pre-Existing Condition
Prescribed Medication History
The purpose of reviewing your prescribed medication history is to comprehensively check your present and past health history.
So for example, if you were prescribed a medication for asthma recently, then you had asthma- or if they saw that you were prescribed asthma medications 2 years ago, then the insurance company will conclude that you had asthma 2 years ago.
Every insurance company applies this logic in assessing an applicant’s prescription history.
With asthma, common types of treatment are inhalants, pills or steroids and maybe combinations of them. Some insurance companies will look closer when applicants have been taking steroids in the long term- they can factor this in to narrow down coverage offers.
These are the common asthma medications that insurance companies are ok with.
- Beclomethasone (Qvar)
- Budesonide (Pulmicort)
- Ciclesonide (Alvesco)
- Flunisolide (Aerospan HFA)
- Fluticasone (Flovent HFA)
- Formoterol (Foradil, Perforomist)
- Mometasone (Asmanex Twisthaler)
- Montelukast (Singulair)
- Salmeterol (Serevent)
- Zafirlukast (Accolate)
- Zileuton (Zyflo)
Now, as an
example, if your asthma is so severe that you’re being prescribed by a
medication that insurance companies red flag, then it could affect the quality
of the policy you will be offered- but that’s uncommon with asthma.
How To Find The Best Burial Or Final Expense Insurance For Clients With Asthma
You found this page, so this means that your main concern is asthma in getting final expense insurance. So let us help you avoid companies that do not have what it takes to accept a client that has asthma.
We here at InsuranceForBurial.com can summarize everything up to you to go through all of these intricacies in getting the best coverage plan for asthma. We have over 26 years of experience and licensed in 49 states. We represent only the country’s top-rated A+ insurance companies for burial or final expense insurance.
We are formed by a team of expert final expense insurance specialists that have dealt with a lot of clients with asthma and helped them get the lowest rate with immediate coverage.
Best Life Insurance With Asthma
For our seniors who suffer from Asthma, one of our go-to carriers that is lenient with asthma guidelines is Liberty Bankers Life. Liberty Bankers Life is a B++ rated company.
They offer living benefits with their policies and also a Preferred, modified and graded policy as well for people who may suffer more severe health issues.
Life Insurance With Asthma
What we only need from you is a little bit of your time to know your details.
Talk to us now! We promise you a simple, quick and easy, no non-sense interview process with no pressure.
For more information about asthma, CLICK HERE.