Respiratory conditions

On average, at least one person per family is affected by lung disease. A huge number of people live with the debilitating effects of the disease and it is also a major killer. From an underwriting point of view any current lung condition can have an impact on the terms offered for both life and disability benefits. Some of the more prevalent conditions are covered here but this is by no means exhaustive. Asthma - This is usually triggered by spasms of the bronchial tubes. The cause is often external such as pollen, dust and food allergies. Infections, change in body temperature and e...