How Does Asthma Affect Life Insurance? 
Asthma is a rapidly growing disease in the USA . There is abundant evidence as to the effect of asthma on the longevity of people . Insurance companies can determine mathematically the variation that someone with asthma makes to the normal distribution of mortality . Underwriters take a subjective look at individual cases and make determinations of the effect they expect the asthma to have on the longevity of the customer . They then make an offer of insurance . 