Respiratory Conditions

It does not have to be more stressful or expensive to find life insurance with a respiratory condition. Our experts have experience in finding the right cover for asthma, sarcoidosis and COPD.

Life Insurance and Respiratory Conditions: what you need to know

If you have a respiratory condition, you may feel as though getting life insurance will be difficult and more expensive. While it may make the application process different, it does not mean that your premiums will increase significantly.

It is important when applying for respiratory condition life insurance that you are prepared for what the process will entail and what life insurance providers are likely to ask you.


What is a respiratory condition?

Respiratory diseases are a range of conditions which affect respiratory systems, in the UK, one in five people have a respiratory condition.

There are a range of conditions that are considered to be respiratory, these commonly include:

  • Asthma
  • Sarcoidosis
  • Pneumonia
  • Chronic obstructive pulmonary disorder (COPD)
  • Lung cancer

Symptoms for respiratory conditions depend on the condition and its severity, however, they generally include:

  • Cough
  • Lingering chest pain
  • Mucus
  • Heavy breathing

Similarly, treatment for respiratory conditions depends on the condition and the severity of the condition.

Can I get life insurance with a respiratory condition?

If you have a respiratory condition, such as asthma, you are still able to get life insurance. Additionally, having a respiratory condition does not mean that your premiums will increase significantly.

There are many factors that determine if you can get life insurance for respiratory conditions and how much it will cost. It is dependent on the respiratory condition you have, date of diagnosis and a range of factors that display how your condition is managed.

While it is likely that insurance providers will require further information, this does not need to be intimidating, this is to help provide the most accurate quote for you and your medical condition.

What do insurers need to know about my respiratory condition?

The information and level of detail required about your respiratory condition will differ for each life insurance provider. 

However, when applying for life insurance with a respiratory condition, you can expect to be asked these questions specifically about your condition:

  • The name of the respiratory condition you have
  • The date that you were diagnosed with the condition
  • Up to date readings relating to your respiratory condition if applicable
  • Information about medication or treatment for your condition
  • Information about any hospital admissions due to your respiratory condition

When making an application for life insurance, you will also have to provide general information.

Our Beginner’s Guide to Life Insurance covers the application process, if you’d like to learn more about the information required for life insurance applications.

Using an independent broker for life insurance with respiratory conditions

It is always useful to have experts helping you when applying for life experience, this is especially true if you have a respiratory condition. Using an insurance broker can help you to find the most suitable life insurance cover, without your premiums increasing significantly!

I’m Insured is an independent life insurance broker, with specialist knowledge and experience finding the best life insurance for those with respiratory conditions. To find out more about life insurance for specific respiratory conditions, see the menu below.


It may feel as though it is more difficult to find life insurance with asthma. I’m Insured are experts in helping those with asthma find the best cover

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If you have sarcoidosis, it may feel like finding the right life insurance is a struggle. I’m Insured are experts in finding the best cover available

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Finding the right life insurance with chronic obstructive pulmonary disease (COPD) can feel difficult – I’m Insured have experience in finding the best cover

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We can also help with putting your policy into trust.

That means you can nominate somebody to look after the money if you die and there’s a payout before you want the intended recipient to get the money. A common example is parents who want to have the payout go to a child only once the child turns 18 or 21. Putting a policy into trust also ensures that the payout goes to your intended recipient and can’t be seized by creditors if you have any debts when you die. There may also be tax benefits to putting a policy into trust.