How Does Asthma Affect Life Insurance? 
If you have very mild or seasonal asthma that does not require daily medication , you can be be rated better than Standard with some companies . If you have well controlled asthma with daily medication , you can most likely expect around a Standard rating , but it depends on the policy , and you could be rated a little better or worse . If you have had an emergency room visit for your asthma within the past year , you could be given a table rating , or even declined by some policies . Contacting an agency that sells a variety of products can help you get with the company and policy that will provide your lowest price for your particular type of asthma . 