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How does asthma affect buying life insurance?

Do you prefer to learn by watching? We answer this question in a video below. Click here to jump ahead.

Asthma is a fairly common health issue. More than 25 million Americans are asthmatic.

Many individuals who apply for life insurance mention this condition on their application. While having asthma may affect your life insurance premium costs, it doesn’t mean you can’t get life insurance.

Each life insurance company follows their own underwriting guidelines. This means that each company will rate a certain condition differently. While one company may decide to give an applicant a Preferred Plus rating for a certain condition, another company may offer only Standard.

This is where Quotacy can help you. We have relationships with many of the best life insurance companies and know the idiosyncrasies of each. Once we know your unique situation, we will shop your case at the appropriate insurance companies to help you get the best possible coverage.

Buying Life Insurance with Asthma

Asthma is one of the most common medical conditions we see with Quotacy clients. It’s a condition our agents are very familiar with and have had a lot of success in helping people with asthma get life insurance coverage.

If you have asthma, your best chances of getting affordable life insurance is to apply through a broker, like Quotacy. Brokers are not tied to one life insurance company and are able to shop the market.

We want you to get approved and will work hard to help you get coverage. Start the process by getting a free term life insurance quote or keep reading for more in-depth information about life insurance and asthma.

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Underwriting Asthma

For life insurance, the underwriting of asthma takes into account several variables, including severity, overall control, compliance with prescribed medications and medical appointments, the number of exacerbations, and the need for short acting medications and oral corticosteroids.

The chart below is an example of how a life insurance company may classify the severity of an applicant’s asthma.

Severity Significant Episode Per Year Description and Therapy
Intermittent ≤ 2
  • Any number of inhalers of any kind, including steroids
  • No injections of 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
Mild Persistent ≤ 4
  • Any number of inhalers of any kind, including steroids
  • Injections of epinephrine /adrenaline ≤4 per year
  • Short course of aerosolized (nebulized) bronchodilator ≤4 per year
  • Any number of continuous oral medications, but no steroid
  • Short course tapering oral steroid ≤2 per year
  • No hospitalization for asthma or other respiratory disease in past 1 year
Moderate Persistent ≤ 5
  • Any number of inhalers of any kind, including steroids
  • Injections of adrenaline ≤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 (≤10 mg daily)
  • Short course oral steroid boost ≤4 per year
  • No hospitalization for asthma or other respiratory disease in past six months
Severe Persistent ≥ 6
  • Persistent wheezing or dyspnea that limits activity
  • FEV 1 ≤1 liter at all times, including between episodes
  • Home oxygen

When you apply for life insurance, underwriters review the complete application and all the records that go along with it. They then decide how much coverage and at what cost to offer the applicant, unless they decide to deny or postpone the application.

For applicants with asthma, you can be classified anywhere between the best rating of Preferred Plus to being table rated. The table rating system typically means that your pricing for life insurance will be the Standard price plus 25% for every step down the table you are. Tables descend A-J or 1-10 depending on which format the insurance company uses.

We’ll take a look at an example applicant and breakdown what their pricing may be depending upon their rating.


John Doe is a 35-year-old male who was diagnosed with asthma as a child.

Depending upon the severity of his asthma, tobacco use, and if there are any other issues that the underwriters may consider a risk, the chart below can be used as an estimate of his monthly payments were he to buy a 30-year, $150,000 term life insurance policy.

If he is an extremely healthy individual with no negative family health history, and his only issue was mild, well-controlled, asthma, there is a chance an insurance company would offer him the best rating of Preferred.

In the world of life insurance, “Table A” is the same as “Table 1.” Companies use one or the other. For the example below, we’ll go with the numerical tables.

Risk Class Estimated Monthly Price
Preferred Plus $18
Preferred $21
Standard Plus $25
Standard $29
Preferred Tobacco $51
Standard Tobacco $66

Table Rating Estimated Monthly Price –
Estimated Monthly Price –
Table 1 $37 $83
Table 2 $44 $99
Table 3 $51 $116
Table 4 $58 $124
Table 5 $65 $149
Table 6 $73 $165
Table 7 $80 $182
Table 8 $87 $198
Table 9 $94 $215
Table 10 $102 $231

Each life insurance company has a different set of guidelines they follow when underwriting an applicant. Because of these different guidelines, when one company may deem an applicant a Table 2, another company may decide that applicant can qualify for Standard Plus rates.

A benefit to working with Quotacy is that we work with multiple top-rated life insurance companies. We’ll shop your case to find the best policy option for you.

Quotacy has years of experience getting clients life insurance coverage, including asthmatics. Our in-house underwriter has worked in many carrier home offices, knows how to navigate each individual’s health history, and knows which life insurance company would be the best option for your individual case. If you are ready to buy life insurance coverage, get a term life insurance quote now and let’s start the process.

If you have any questions regarding underwriting asthma, feel free to contact us directly. If you are looking to get an idea on the cost of life insurance if you have asthma, it costs nothing to run a quote and apply online. You will have a dedicated Quotacy agent shop your case with our top-rated life insurance companies to ensure you receive the best possible price.


Watch the Asthma and Life Insurance Video

Video Transcript

Hey everyone, we’re Jeanna and Natasha from Quotacy, an online life insurance agency where you can get life insurance on your terms.

At Quotacy, our goal is simple: to make it easy for everyone to buy the right amount of life insurance to protect their loved ones.

Today, we’re talking about asthma and the impact it has on the life insurance buying process.

Asthma is a very common medical condition.

While having asthma may affect your life insurance costs it doesn’t mean you can’t be approved for coverage.

The main things life insurance underwriters look for when evaluating asthma are what medications you’re on to treat it and how often you have asthma attacks.

In general, if the medication you’re on does not contain steroids you could qualify for standard risk classes. If it does contain steroids then you’re more likely to be table rated. Being table rated means that the insurance company has decided that the risk to insure you is essentially outside of their comfort zone and you will need to pay extra in order to be insured.

risk classes for Quotacy blog about asthma and life insurance

If your asthma is very mild and it’s well controlled it’s possible to get approved for Preferred, however, the best class of Preferred Plus is fairly unlikely.

The risk class you’re placed into by the insurance company determines how much you’ll need to pay for the life insurance coverage.

The table shown features sample monthly quotes for a 20-year, $500,000 term life insurance policy for a 40-year-old male. As you can see, the risk class you’re offered can make quite the difference.

term life insurance policy for 40 year old male based on risk class

Not all life insurance companies evaluate medical conditions in the same way. While one company may deem a person with mild asthma as Table 2, another may be more lenient and offer Standard.

To make sure you get the best price work with an independent life insurance broker like Quotacy. We can shop your case across many top-rated life insurance companies to match you with the company that will give you the best risk class.

» Compare: Term life insurance quotes

Quotacy is no stranger to asthmatic clients.

When you apply online for life insurance through us and check Yes to asthma your Quotacy agent goes to work for you to find the best policy for your needs and budget.

screenshot of Quotacy life insurance application with asthma

Here is an example of a recent client we worked with:

Nick Jones is a 35-year-old man and applied for a 30-year, $300,000 term life insurance policy through Quotacy.

Quotacy life insurance asthma client case study

His Quotacy agent suggested they move his application to Prudential, who is much more lenient with asthma.

Nick went with his agent’s suggestion and Prudential ended up offering him the best risk class possible: Preferred Plus. His life insurance payment ended up only being $289 annually. A savings of over $380 each year.

Quotacy saved life insurance client with asthma money

It’s important to note that every case is different. If you have asthma, don’t assume Nick’s outcome will be your outcome. Every asthma case is unique.

Also, asthma isn’t the only risk factor that the life insurance company will evaluate. Your age, height, weight, smoking status, family health history, etc. will also impact your risk class.

At Quotacy, your agent will anonymously shop the details of your case with all the top-rated insurance companies we work with to match you with the company that will give you the best offer.

As we mentioned before, everyone’s situation is unique. To determine how much life insurance will cost you simply apply online through our website and we will work with you to find you the best policy option.

» Calculate: Life insurance needs calculator

When you apply through Quotacy, this is how it works.

First, choose a policy and complete your online application. Then your dedicated Quotacy agent will introduce themselves and, if needed, ask a few follow-up questions about your asthma via email. This is to make sure we have a clear understanding of your situation so we can set realistic expectations up front. It’s important to mention that we’re on your side So the more we know, the better we can assist you.

From there your agent will anonymously send the details you’ve provided to our top-rated insurance companies to find the one that will be the best match. This is what we call shopping your case.

If a different insurance company other than the one you chose online is going to give you a better price your agent will present you some options. The choice to either stay with the original pick or switch is 100% up to you.

We just want to be completely transparent about your options. Whatever you decide, your agent is your advocate and will keep you updated every step of the way through the process.

» Learn more: Life Insurance Buying Process

If there is a website out there showing you a cheaper price than what your Quotacy agent can find, that other website is likely only showing you a best-case-scenario price and not factoring in your asthma properly. There are no coupons or promo codes when it comes to life insurance. It’s all very tightly regulated.

To find out how much life insurance would cost you, head on over to Quotacy.com, run a quote, and apply right online. It takes less than 5 minutes and there’s no obligation to buy.

If you aren’t satisfied with the life insurance policy Quotacy finds you, you can walk away. There’s no cost to apply for life insurance, no fee to cancel the process, and no hard feelings.

About the writer

Headshot of Natasha Cornelius, a life insurance writer, for Quotacy, Inc.

Natasha Cornelius, CLU

Senior Editor and Life Insurance Expert

Natasha Cornelius, CLU, is a writer, editor, and life insurance researcher for Quotacy.com where her goal is to make life insurance more transparent and easier to understand. She has been in the life insurance industry since 2010 and has been writing about life insurance since 2014. Natasha earned her Chartered Life Underwriter designation in 2022. She is also co-host of Quotacy’s YouTube series. Connect with her on LinkedIn.