Collect information
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Dates your asthma was diagnosed and when it was last checked
Frequency and severity
Medication and treatment
Other medical information and history
Family medical history
Lifestyle habits, including how much you drink
Can I get life insurance with asthma?
Yes, you can usually get life insurance if you have asthma. Most insurers will cover people with the condition, especially if your symptoms are well managed with treatment.
You may pay a little more if your asthma is severe or you’ve had recent hospital visits, but keeping your symptoms under control can help you secure a more affordable premium.
What if I'm also a smoker or vaper?
You can still get life insurance if you have asthma and smoke or vape, but it’s likely to cost more.
Smoking or vaping can make asthma symptoms worse and increase health risks, so insurers may charge higher premiums — sometimes more than double those for non-smokers.
How much more will I pay for it?
To give you an idea of cost, a 30-year-old non-smoker with asthma could pay around the same as someone without the condition if their symptoms are mild and well controlled. Premiums may rise for those with more frequent or severe symptoms, but affordable options are still available.
Symptoms | Minimum Monthly Cost |
|---|---|
No asthma | £7.96 |
If well controlled | + £0 |
If moderate symptoms | + £1.50 |
If severe symptoms | + £6 |
How much is life insurance if I have asthma?
Here are three example quotes based on real customer data. Prices are per month for level term.
Age: 20-25
£5
.58^
Policy Type: £200,000 cover | 40 year term
With major symptoms: £11.16
Age: 30-35
£9
.58^
Policy Type: £250,000 cover | 30 year term
With major symptoms: £19.16
Age: 60+
£24
.50^
Policy Type: £100,000 cover | 15 year term
With major symptoms: £49
What impacts the cost of asthma on life insurance?
Severity of asthma
Medication use
Other conditions
Your age
Your BMI
Smoking status
Policy type
Frequently Asked Questions
Is asthma treated as a pre-existing condition when applying for life insurance?
Yes — insurers generally treat asthma as a pre-existing condition, so you must fully disclose it on your application.
However, having asthma doesn’t mean you won’t qualify — many people with mild or controlled asthma still receive standard cover.
Do I need to declare my asthma when applying?
Yes, always. Not declaring your asthma (or other medical conditions) can lead to your policy being void or claims being refused.
Will I have to take a medical exam?
Maybe. It depends on how severe your asthma is and whether you have other health issues. For mild, well-controlled asthma, insurers sometimes accept your medical history or ask for recent test results instead of a full exam.
If other risk factors exist (e.g. a high BMI or additional conditions), a medical check is more likely.
What asthma-specific questions will the insurer ask?
Insurers typically ask:
When you were diagnosed
The type, frequency, and severity of your symptoms (for example, how often you need rescue inhalers or steroids)
If you’ve needed hospital treatment
What medication or treatment plan you currently use
Additional standard health/lifestyle questions (weight, smoking, etc.)
How do insurers interpret “moderate” or “severe” asthma symptoms?
Moderate asthma might mean daily symptoms, regular use of reliever inhalers, night-time wheezing, or interference with normal activity
Severe asthma refers to persistent symptoms even when on high doses of therapies, frequent attacks (including hospital admissions or steroid courses), or symptoms that severely disrupt daily life.
Can a documented Personalised Asthma Action Plan (PAAP) help?
Yes. If you’ve got a PAAP and a history of good control, this can strengthen your application. It shows that your condition is being monitored and managed properly.
How do I get a life insurance quote if i have asthma?
-
-
Fill in the form on our website
Decide what type of life insurance you want:
Family (level payout) or mortgage (decreasing)
How much cover you require
How long you want it to last for (the "term")
Then, on the 'Health Conditions' section, select 'asthma' (and any other conditions).
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Compare quotes
We'll show you a range of quotes, which you can compare to find the best policy for you.
Once you've decided, you have two options:
Buy Now: Complete the purchase on site-in seconds
Apply Now: Go to the insurer site and answer additional questions
Our expert says…
According to Asthma + Lung UK and House of Commons data, every day, 185 people in the UK are admitted to hospital with an asthma attack and approximately 5.4 million people are currently receiving treatment for asthma.
Having this condition doesn’t automatically mean you cannot get life insurance. What matters to insurers is the severity, how well it’s controlled, the treatment you’re on, and whether you’ve had recent hospital admissions or complications.
By being transparent about your condition - including when you were diagnosed, your latest flare-ups, medication use, and whether you’ve ever needed hospital treatment -you give insurers the best chance to assess your risk accurately and help you get the right level of cover.
Lucas Mansilla Life & Health Insurance Expert
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I need help with my life insurance quote
Can I speak to an adviser on the phone?
Yes. If you are struggling to find suitable cover or need extra support, you can speak to an adviser at our partner LifeSearch.
Phone number: 0800 197 3178
Opening hours: Mon to Fri 8am - 8 pm | Sat 9 am - 2 pm | Sun 10am - 3.30pm
It's free to call, and their team of 280 advisers are all UK-based.
Who is LifeSearch?
LifeSearch is one of the largest insurance brokers in the UK. It works with leading and specialist insurers, and has covered over 2 million people since 1998.
LifeSearch provides a number of different insurance products, including:
Life insurance
Critical Illness Cover
Income Protection
LifeSearch is rated 'excellent' on Trustpilot and is authorised and regulated by the Financial Conduct Authority (FCA).
How do we work with LifeSearch?
MoneySuperMarket has a long-standing partnership with LifeSearch. When you compare life insurance through us, you’ll see options from insurers they work with — helping you find cover that fits your circumstances.
Your policy will always be taken out with the insurer you choose, but LifeSearch can support you at every stage, from applying for cover to making a claim. You can also manage claims directly through their website.
We receive a commission for referrals, but this never affects the price you pay for your policy.
➡️ Find out more about how MoneySuperMarket makes money
Which life insurers specialise in cover for asthma?
Several UK insurers are known for offering life insurance to people with asthma, including:
AIG Life
Legal & General
Vitality
These insurers regularly assess applications from people with respiratory conditions, including mild, moderate and severe asthma. The level of cover and cost will depend on how well your asthma is managed, how often you use medication and whether you’ve had any recent hospital treatment.
Those with mild or well-controlled asthma can often secure standard rates, while people with more severe or unstable symptoms may face higher premiums. Each insurer has its own underwriting criteria, so it’s worth comparing quotes to see who offers the best fit for your health and budget.
If you’re unsure where to start, you can speak to one of our UK-based experts or our partner LifeSearch for free, personalised guidance on finding the right policy for your circumstances.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is life insurance eligible for SuperSaveClub and rewards?
No, at this time life insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Reviewed on 25 Dec 2025 by
Starting price for a 30 year old non-smoker with well-controlled asthma, taking out a £200,000, 30-year life insurance policy. Data from LifeSearch, 2025.
Starting price for a 30 year old non-smoker with no medical conditions, taking out a £200,000, 30-year life insurance policy. Data from LifeSearch, 2025.
Example cost of 40-year £200,000 level term life insurance policy for a 20-25 year-old non-smoker with asthma and minor symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 40-year £200,000 level term life insurance policy for a 20-25 year-old non-smoker with asthma and major symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 30-year £250,000 level term life insurance policy for a 30-35 year-old non-smoker with asthma and minor symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 30-year £250,000 level term life insurance policy for a 30-35 year-old non-smoker with asthma and major symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 15-year £100,000 level term life insurance policy for a 55-60 year-old non-smoker with asthma and minor symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 15-year £100,000 level term life insurance policy for a 55-60 year-old non-smoker with asthma and major symptoms.
Data from LifeSearch. Prices from June 2025.