Asthma sufferers may finally get some relief when it comes to buying life insurance. Curious? If so, read on.
There are many things in life that can take your breath away – the Grand Canyon, the Great Wall of China or getting onto the 18th green at Pebble Beach in two! (Hey, I can dream.) But the one thing that you don’t want taking your breath away is asthma. If you know anyone who suffers from it, you know firsthand how it can seriously impact one’s quality of life.
But what does asthma have to do with life insurance? Just stay tuned. According to the American College of Allergy, Asthma and Immunology, this chronic condition affects 26 million Americans, and it is the leading cause of absences at work and school. It constricts bronchial tubes, making breathing more difficult. Symptoms include shortness of breath, coughing, chest tightening and wheezing. (Not fun.)
Speaking of “difficult,” you might be asking yourself “Do asthma sufferers have more difficulty getting life insurance because of this condition?” The answer is…not as many as you might think. As with most medical maladies, as the expression goes, “the devil’s in the details,” but overall, if your asthma is normally kept under control with medication, there’s a good possibility that you can get affordable life insurance. (Good news, huh? Now breathe normally.)
The two most common forms are Exercise-Induced Asthma and Full-Blown Asthma. There is no cure, but asthma can be controlled. The most common treatment is a steroidal inhaler, which helps open blocked airwaves.
A more severe breathing condition, COPD (Chronic Obstructive Pulmonary Disease), has many symptoms similar to asthma, but is much more serious in nature. COPD is in the same lung disease category as emphysema and chronic bronchitis. Many COPD patients got the disease from cigarette smoking. If you think you might have COPD, go see your doctor and get a chest X-ray. (Hey, it couldn’t hurt.)
To find out more, watch this short, informative video. Howard Weissman, AccuQuote’s Medical Underwriting Expert, will tell you more about how you can get life insurance – even if you have asthma or COPD.
Everyone who has ANYONE depending on them financially needs life insurance. It’s a great, affordable way to help safeguard your family’s financial future when you die. And if you think you’re going to live forever, the last time we checked, the odds of death are still 1 out of ONE. (We didn’t make that up.)
Questions? Feel free to reach out to us anytime. And you’ll speak to a real person! (Amazing, huh?) We take the stress out of shopping for life insurance. And isn’t that a breath of fresh air?