Does Asthma Affect Life Insurance?

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   Peggy Mace

   Most of the U.S.

   Mild, seasonal asthma that has been under control for many years will generally not have an impact on life insurance rates. Moderate asthma with occasional attacks and requiring daily medication will generally raise rates a little. Severe asthma requiring continual steroid treatment and exhibiting recent, frequent attacks can raise life insurance premiums significantly. If smoking or COPD is involved along with severe asthma, it could result in a decline. 

   Answered on April 24, 2013

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