Receive the best asthma life insurance rates
Asthma life insurance rates are usually more expensive as a result of the condition. However, under Transamerica’s newly enhanced underwriting guidelines, prospective clients with asthma—even those taking meds—may now qualify for Preferred asthma life insurance rates on a case-by-case basis.
Asthma is a chronic inflammatory disorder of the airways associated with the development of wheezing, shortness of breath, chest tightness and a cough. It affects approximately five percent of the U.S. population. Individuals with this impairment may represent a significant underwriting challenge with increased asthma life insurance rates. Thorough assessment is suggested before allowing Preferred consideration.
However, at Transamerica, we realize that mortality from asthma is fairly uncommon and has been decreasing over the past ten years, so we’ve made some positive changes to our Asthma life insurance guidelines.
Preferred Asthma life insurance rates are available provided the applicant:
- is a nonsmoker between the ages of 25-65
- hasn’t been hospitalized for asthma in the last five years; no other ailments
- information is from medical records, not self-reported
- meets all our regular, published Preferred criteria
- has no underwater or high-altitude avocations, whether ratable or non-ratable
- has treatment that may include intermittent (as needed) use of inhaled bronchodilators, or brief courses of cortcosteroids, or low dose medication
- has favorable respiratory studies with FVC >80% of expected, and variability of FEV1 or PEF over time <20%
- has brief (hours), daytime, low-intensity symptoms less than once per month, with no time off from work or school due to asthma symptoms
Underwriter has the final say for your asthma life insurance rate
Final decisions are up to underwriters and will be based on evidence collected during the underwriting process. Not all asthma life insurance cases may qualify.
