2024 Burial Insurance with Asthma

Getting affordable burial insurance with asthma or any other pre-existing condition generally depends on the severity of your asthma and how well you manage it.

Whatever kind of asthma you have you can qualify for affordable burial insurance.

In this article, we will explore how insurance companies underwrite people with asthma and how to get the best burial insurance plan with asthma at the lowest pricing.


What Is My Best Insurance Option If I Have A History Of Asthma?


Seasonal asthma is normally caused by pollen in the air or other climate-related issues. Seasonal asthma attacks infrequently occur, sometimes a couple of times a year, and can be effectively treated with medications until the seasonal conditions pass.

Most well-controlled clients with seasonal asthma will qualify for a level death benefit with first-day coverage.

Best Option: Level death benefit plan with first-day coverage


If your asthma is mild and your attacks happen only occasionally, and you can be treated with inhalers or medications, you will qualify for a level death benefit plan that covers you fully from day one.

Best Option: Level death benefit plan with first-day coverage


When your attacks increase, your case may be classified as moderate. You may be prescribed stronger medications such as nebulizers and steroids, which could occasionally result in emergency room treatment. You will still qualify for a level death benefit.

Best Option: Level death benefit plan with first-day coverage


Severe asthma is characterized by frequent strong attacks that require regular treatment by doctors and hospitalization.

The best option for severe asthma with recent hospitalizations is a first-day benefit plan with coverage that is phased in over time.

Best Option: First-day benefit plan


It will be difficult to qualify for first-day coverage if you are required to take supplemental oxygen. No insurance carrier offers instant coverage to those who are using supplemental oxygen. Regardless, you will still be eligible for a guaranteed issue life insurance plan.

Guaranteed issue life insurance offers a significant benefit of offering first-day coverage for any kind of accidental death. However, it has a two-year waiting period, if you die in the first two years as a result of any medical issue, you will get your premiums returned plus 10% interest. 

The only exception is if you use a continuous positive airway pressure (CPAP) that uses forced air. Forced-air CPAP does not rely on concentrated oxygen to operate. It simply takes air from the surrounding environment and forces it down the windpipe. If you use CPAP, you will still qualify for first-day coverage.

You can qualify for guaranteed issue life insurance even if you have other lung diseases like COPD, emphysema, and chronic bronchitis.

Best Option: Guaranteed issue burial insurance

What Types Of Burial Insurance Should I Avoid?

Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $100,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate

What Type Of Burial Insurance Is Best?

1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES

If I Have Asthma, Do I Need A Medical Exam To Qualify For Burial Insurance?

You are NOT required to take a medical exam to qualify for burial insurance with asthma.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple; you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!

Burial Insurance Underwriting If You Have Asthma

Burial insurance companies have two ways of underwriting:

FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.

SECOND – They will electronically review your prescription history to verify your health.


It’s a rare occasion when insurance companies specifically ask about asthma in their health questions. Most life insurance carriers do not care about asthma. We can easily help you qualify for first-day coverage at the lowest rate.

The only thing the insurance companies want to know about if you have asthma is if you are using supplemental oxygen to assist in breathing. You will typically see them ask this way:

  • Is the proposed insured currently hospitalized, using oxygen equipment to assist in breathing?
  • Are you currently hospitalized, confined to a bed, or using oxygen equipment to assist in breathing?
  • Within the past 12 months, have you used, or been advised to use, oxygen equipment to assist with breathing (excluding use for sleep apnea)?


Medication information helps insurance carriers determine your asthma’s seriousness and how well you control the symptoms.

Doctors prescribe drugs depending on the severity of your asthma. Inhalers are prescribed to open airways quickly. These medications are a common treatment for mild intermittent asthma. A low dose of corticosteroid may also be prescribed daily to control inflammation.

Oral medications, inhalers or nebulizers are prescribed for those with moderate persistent asthma. Those with severe asthma use rescue inhalers to relieve symptoms.

Here is a list of common asthma medications:

  • Albuterol (ProAir HFA, Ventolin HFA)
  • Beclomethasone (Qvar RediHaler)
  • Budesonide (Pulmicort Flexhaler)
  • Budesonide and formoterol (Symbicort)
  • Ciclesonide (Alvesco)
  • Fluticasone (Flovent HFA)
  • Fluticasone and salmeterol (Advair Diskus)
  • Fluticasone and vilanterol (Breo)
  • Ipratropium (Atrovent HFA)
  • Levalbuterol (Xopenex HFA)
  • Methylprednisolone
  • Mometasone (Asmanex Twisthaler)
  • Mometasone and formoterol (Dulera)
  • Montelukast (Singulair)
  • Prednisone
  • Salmeterol
  • Zafirlukast (Accolate)
  • Zileuton (Zyflo)

Taking any of these drugs will indicate that you have asthma. However, the majority of burial insurance carriers are okay with these prescriptions. Even if your doctor prescribes these medications, you may still qualify for burial insurance coverage.

How Much Insurance Do I Need If I Have Asthma?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

Non-declinable basic services$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Median Cost of a Funeral With Viewing and Burial$9,420
Non-declinable basic services fee$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Service car/van$150
Basic memorial printed package$183
Cremation fee (if firm uses a third-party crematory)$368
Cremation Casket$1,310
Median Cost of a Funeral with Viewing and Cremation$6,970
Rental Casket$995
Alternate Cremation Container$150

How Should I Pay My Premiums?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month, and you don’t need to worry about your policy lapsing due to non-payment.

Asthma And Burial Insurance Riders

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while others can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans

Information We Need If You Have Asthma

When you apply for burial insurance, we’d like to know some information about you for us to get you the best insurance company offering the lowest premium if you have asthma.

We will ask you a series of health questions to better understand your condition.

These questions include:

  • When were you first diagnosed with asthma?
  • What medications are you taking for asthma?
  • How long since you were diagnosed with asthma?
  • How many asthma attacks have you suffered in the past 12 months?
  • Have you ever needed to visit the emergency room due to an asthma attack?
  • When is your last hospitalization due to asthma?
  • Have you used any tobacco or nicotine products in the past 12 months?

We need to know your medical condition to provide you with the best recommendation. The more information we get, the better your chances of finding affordable insurance coverage.

How To Get The Best Burial Insurance Rates For Asthma Patients?

If you have asthma and need to purchase burial insurance, the best action is to contact an experienced independent insurance agency that understands the challenges of getting a life insurance policy for people with asthma. Your independent agent should represent multiple burial insurance carriers to get you the best eligibility and pricing.

Funeral Funds that represent multiple insurance companies. We will compare prices to identify which carriers will offer you the lowest price.

Benefits Of Burial & Funeral Insurance

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company if you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.

Other Common Uses For Final Expense Life Insurance With Asthma

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with asthma
  • Cremation insurance plan with asthma
  • Funeral home insurance plan with asthma
  • Final Expense insurance plan with asthma
  • Prepaid funeral plan insurance with asthma
  • Mortgage payment protection plan with asthma
  • Mortgage payoff life insurance plan with asthma
  • Deceased spouse’s income replacement plan with asthma
  • Legacy insurance gift plan to family or loved ones with asthma
  • Medical or doctor bill life insurance plan with asthma

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.

How Can Funeral Funds Help Me?

Trying to find a policy with asthma needn’t be frustrating, but working with an independent agency like Funeral Funds will make the process easier and quicker.

We will work with you every step to find the plan that fits your financial requirements and budget. You need not waste your precious time searching for multiple insurance companies because we will do the dirty work for you.

We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you.  We will search all those companies and match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for funeral or burial insurance with asthma in your medical history, we can help.

Fill out our quote form on this page or call us at (888) 862-9456, and we can give you an accurate quote.

Additional Questions & Answers On Burial Insurance With Asthma

Can I get life insurance with asthma?

Yes, you can get life insurance with asthma. You can even qualify for a first-day coverage plan with mild to moderate asthma.

How does asthma affect insurance?

Mild to moderate asthma will not affect your insurance eligibility.

How much does asthma affect life insurance?

Asthma, in general, is classed as low risk by the majority of life insurance companies. Asthma will not affect your premium.

Is asthma a pre-existing condition for life insurance?

Yes, asthma is considered a pre-existing condition. Before applying for life insurance, any medical condition is regarded as a pre-existing one. Life insurance companies that ask health questions want to know your pre-existing condition.

Can I get burial insurance with asthma?

Yes, you can get burial insurance even if you have asthma. You can easily qualify for burial insurance if you are 50-85 years old. You may even be eligible for a first-day coverage plan.

Is asthma a lung disease?

Yes, asthma is a form of lung disease that makes breathing difficult.

Is asthma considered a critical illness?

No, asthma is not considered a critical illness. Many life insurance companies do not consider asthma a serious medical condition affecting eligibility.

Can I get funeral insurance with asthma?

Yes, you can get funeral insurance even if you have asthma. Many life insurance companies offer insurance coverage to people with asthma. You can easily qualify for a first-day coverage plan if you have mild to moderate asthma.

Is asthma a respiratory condition?

Yes, asthma is a common respiratory condition. Asthma affects people of all ages. It usually develops during childhood and may be carried during adulthood.

Does untreated asthma damage lungs?

Uncontrolled asthma can cause significant damage to the lungs. Lung damage can be irreversible.

What will happen if asthma is left untreated?

Untreated asthma can lead to lung scarring. Asthma can inflame the inner lining of the respiratory tubes, resulting in narrowed airways, and making breathing difficult.

Can I get cremation insurance with asthma?

Yes, cremation insurance is available to people with asthma and other lung diseases.

Does asthma worsen with age?

Asthma may get worse with age. Attacks can be more severe and take longer to recover as you age.

Can untreated asthma lead to COPD?

No, asthma does not automatically lead to COPD. However, asthma can cause significant damage to the lungs, making people with asthma prone to an increased risk of developing COPD.

Can I get final expense insurance with asthma?

People with asthma can get final expense insurance if they are 50-85. They can even qualify for a first-day coverage plan with most insurance companies.

Can asthma be progressive?

Yes, asthma can be progressive in adults. Asthma can lead to irreversible lung obstruction and may often co-exist with other lung diseases.

Is asthma worse than COPD?

No, although both asthma and COPD are incurable long-term conditions, asthma can be easily controlled while COPD may worsen over time.

Can asthma turn to emphysema?

No, asthma does not develop into emphysema. Both asthma and emphysema have the same symptoms and are different lung diseases that may make breathing difficult.

What qualifies as severe asthma?

People with severe asthma need medium and high-dose corticosteroid inhalers combined with other fast-acting medications. Severe asthma may also require the use of supplemental oxygen and hospitalization.

Does asthma get worse with weight gain?

Yes, the extra weight makes you more susceptible to frequent asthma attacks.

Can asthma patients get the Covid vaccine?

Yes, asthma patients should get the Covid vaccine, but they must be tested for allergic reactions.

Does asthma shorten lifespan?

Asthma may shorten its lifespan because of reduced lung function. Asthma can shorten life expectancy by up to three years.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Asthma Infographics


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