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The Truth Behind Viatical Settlement Contracts
2007-07-14 16:22:00
Viatical settlement contracts allow a person to sell their life insurance policy to a third party in exchange for a reduced amount of its face value. The amount you get back is dependent on your health, age, number of years your policy is in force, and death benefit. A major concern these days is that many life insurance settlement companies purposely try and mislead investors about what kind of return they should expect. They stretch the truth and play with numbers to make viatical settlement contracts sound like the best thing since sliced bread, but really, they are a gamble where you may risk your retirement nest egg on the odds of someone?s life expectancy.Viatical settlement contracts are quite risky, so if you are considering purchasing a contract, you should approach it with caution. The U.S. Securities and Exchange Commission (SEC), whose mission statement says it functions to protect investors, maintain fair, orderly, and efficient markets, and facilitate capital formation...
More About: Truth , Tracts , Settlement , Contracts , Trac

The War Rages On: Fighting Cancer. Fighting to Get Life Insurance
2007-07-14 16:19:00
In 2007, the American Cancer Society projects that around 1.4 million new cases of cancer will be diagnosed. Of that 1.4 million, almost 560,000 will result in a cancer-related death, which further equates to more than 1,500 cancer patients dying each day. If you are diagnosed with cancer, your hardest fight may not be to battle the odds and survive five years past the diagnosis date, but the actual fight to find life insurance.When is the best time to buy?There is no actual set time limit when it comes purchasing life insurance after a cancer diagnosis. Determining factors when an insurance company is deciding on coverage depends on the size, type and location of the tumor. If you are currently undergoing treatment, the chances are slim-to-none that a life insurance company will be willing to sell you life insurance. But if you?ve been cancer-free for a few years, there?s a good chance they will cover you, though your premiums may be high.The thoughts of high life insurance premium...
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The Higher Your Risk Factors for Heart Disease, The Higher Your Life Insura
2007-07-14 16:17:00
If you?re applying for life insurance, but have high blood pressure, high cholesterol or other risk factors for cardiovascular diseases, you may be worried that your premiums are going to be outrageous. Life insurance companies will be looking at what risk factors you pose, but they will also be taking into account your height, weight, age and smoking status. The more risk factors for heart disease that you have, the higher your life insurance premiums will be.Just because you have high blood pressure, for example, doesn?t mean you can?t be approved for a ?preferred? premium rate or higher. Typically when you show signs of two or more risk factors, that?s when your rates would jump up. But even in instances like that, if you show your life insurance company that you are taking care of your situation by going to the doctor, taking your medications as directed, and working on getting your health as good as it can be, they may cut you a break and knock down your rates even more.Blood p...
More About: Heart , Disease , Risk , Heart Disease

The Hunt For A Missing Life Insurance Policy
2007-07-14 16:12:00
Uh-oh! You?re the beneficiary to a relative who just died, but their policy is nowhere to be found! What do you do?! Well, don?t panic, because if you find it in the near future, you will still be able to claim the death benefits. Simply follow the list Insurance .com has made for you on tips on what to do when a life insurance policy has come up missing:Look through canceled checks or go to the relative?s bank and request copies of any old checks. When viewing them, see if there are any made out to life insurance companies. Check with your relative?s lawyer, insurance agent or accountant and see what information they can give you on your relative?s finances.Call their old employers and see if they bought into the company?s group life insurance Call the Medical Information Bureau (MIB)?an organization that maintains a database showing if insurers requested your relative?s medical information. If your relative bought a life insurance policy within the past seven years, the MIB will mo...
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Term Life Insurance vs. Permanent Life Insurance: Is Cash Value the Best Va
2007-07-14 16:11:00
When in the market for life insurance, there are two types you can shop around for: term life insurance or permanent life insurance. The main ?superficial? difference between the two is that term life insurance covers you for a set period of time, whereas permanent life insurance covers you for the remainder of your life. Though permanent life insurance costs considerably more than term life insurance, it is just because when taking a closer look at each, permanent life insurance gives your policy the chance to increase its cash value, which ultimately means a better value and more money for your beneficiaries when you die.Which is best for you?Permanent life insurance may offer you a better payout in the long-run, but what if your financial obligations are only short-term? When you really just want the most amount of coverage for the least amount of money, it?s better to purchase a term life insurance policy. The money you save from the premiums in term life insurance can be invest...
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Term Life Insurance
2007-07-14 16:09:00
If the main reason you want life insurance is to protect your family from debt in the event of your death, then term life insurance is for you. It is commonly referred to as ?pure insurance protection,? because it doesn?t have a cash value feature like permanent or universal life insurance. Another difference from permanent life insurance is that term life insurance is set to expire at a certain time, either after a set number of years, or when you reach a certain age.Requirements for term life insuranceLike with many types of insurance, a medical exam may be required when applying for a term life insurance policy. The exam will cover your height, weight, medical history, and include a blood and urine test?which are taken to look for specific medical problems. The results of the tests may hinder you from getting approved for the insurance, or increase your rates, depending on the outcome.If you?re a smoker, you will pay more for insurance. No matter what you smoke, if it?s cigarette...
More About: Life , Insurance , Life Insurance , Term , Term Life Insurance

Worried About Estate Taxes? Second To Die Life Insurance Policies Can Help
2007-07-14 16:07:00
If you own a wealthy estate and are looking into purchasing life insurance, but worry about the estate taxes being too high for your family to take care of when you die, there is hope out there. A second to die life insurance policy, also known as survivorship life, can help. That?s because second to die life insurance policies don?t pay out until the second insured person on the policy passes away. In many cases, the death benefits from the policy are meant to be used on outstanding taxes, so with the proceeds of your policy, your beneficiaries will not have to scramble to sell the estate or your possessions, in an attempt to pay the bills once you are gone.With second to die life insurance, if you die and leave all your worldly possessions to your spouse, they will not owe any federal estate taxes ? at least not yet. Those possessions become part of the surviving spouse?s estate, which will then be taxed after he or she dies. Business partners even look into getting second to die ...
More About: Life , Estate , Taxes , Insurance , Life Insurance

The Rise in Terrorism Has Caused a Rise in Life Insurance
2007-07-14 16:04:00
After the 9/11 terrorist attacks, a rise in concern for family and future, as well as in the number of people buying life insurance, erupted.The tragedies of 9/11 awakened many people to the importance of having life insurance. As terrorism concerns lingered and built, life insurance agents saw a continuous increase in life insurance policy sales.According to the MIB Group database (which holds information from both American and Canadian life and health insurance companies) there was an increase of almost two percent in life insurance applications in 2002, following the attacks of 9/11.Buying life insuranceBe sure to do your homework when it comes to buying life insurance. Whether you are looking to buy a new plan, increase coverage, or if this is your first time buying life insurance, be sure to shop around. Looking online can help when trying to compare different insurance companies and their features. Also, talking to an actual life insurance agent can also be beneficial as you s...
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Life Settlements: What You Should Know
2007-07-14 16:02:00
So the moment has come. You?ve worked all your life, and you?ve finally made it to retirement! Your kids are grown with families of their own. Your house is paid. And debt, well debt is a thing of the past. So what now?If you?re like many older Americans, you may be considering life settlements, also known as senior settlements, where you sell your life insurance policy to a third-party company. In doing so, you eliminate premium payments and get a large sum of cash back.But before you make a final decision on whether or not to enter into a life settlement, be sure you determine if it?s right for you. Talk it over with a life insurance agent, be sure you read the fine print, and most importantly, understand exactly what the life settlement entails?you don?t want it coming back to bite you later.What?s the deal with life settlements?When you sell your life insurance policy to an investment company, the company pays you a percentage of the policy?s face value. If you accept, the polic...
More About: Life , Settlement , Settlements

Life Insurance for Your Child
2007-07-14 16:01:00
When it comes to a child?s future, parents and grandparents like to plan high and think big. Many buy extra life insurance for themselves, homeowners and personal insurance to cover assets, and begin a college fund, but have you ever considered buying life insurance for your child?Life insurance is meant to provide income where income was lost in the event of a death, and since children don?t typically bring in money, you may be asking why they would need life insurance, right? Well, the best reason to have a child insured is in the event of their death. The child?s life insurance policy will cover final expenses, such as the funeral and cemetery costs.Child ren?s life insurance may not be the right kind of insurance for every family, and if that?s the case for you, don?t worry, you can always look into getting a term life insurance policy with a small face value.When children come of age, most policies give them the choice of purchasing additional insurance. If they do not wish to c...
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Mortgage Protection Insurance Offers Limited Benefits
2007-07-14 16:00:00
Mortgage protection insurance is as simple as this ? you pay a non-changing premium for the duration of your life insurance policy, and if you die, the insurance pays off the rest of your mortgage. The lender becomes the beneficiary if and only if the loan gets defaulted from the borrower who is paying for coverage. Now the question is, is mortgage protection insurance for you?How mortgage protection insurance worksMortgage protection insurance can be purchased right when you buy a home, or later on if you feel the necessity to buy it. Your age, smoking status and value of your death benefits (the amount left on your mortgage) are taken into account when being reviewed by an insurance agency.If your outstanding mortgage is high, your premium will be high as well, and even as you pay your mortgage down, your premium will remain the same. This is because your life insurance company is keeping your decreasing death benefits in mind.One way to help your family receive a little extra in ...
More About: Insurance , Mortgage , Offers , Benefits , Gage

Is It Possible To Buy Affordable Life Insurance After A Heart Attack?
2007-07-14 15:58:00
So you've just recovered from a heart attack and you hope to find affordable life insurance. The application for life insurance has a question regarding if you have been treated for heart disease or a heart attack. How do you answer? Do you lie and say no? Or do you say yes, and chance getting denied or stuck paying a higher life insurance premium? Well if you decided to answer honestly and mark yes, you may be in luck.Depending on how severe your heart attack was, and how severe your heart disease is, you may be able to get affordable life insurance that won't cost an arm and a leg. Also, by not lying, you don't have to worry that you will be caught and have your life insurance premium automatically increased and be forced to pay retroactive fees."Though heart disease may signal a red flag for life insurance companies, it doesn't necessarily mean a customer will have to pay more," says Dave Roush, CEO of Insurance .com. "By taking the proper steps to treat heart disease, a custo...
More About: Life , Heart , Life Insurance , Ossi

Will Mental Illness Affect Your Life Insurance Cost?
2007-07-14 15:57:00
If you're considering getting life insurance, but you're worried that a history of mental illness will hinder your search and you'll be stuck paying high premiums, worry no more. Insurance companies are generally most concerned if your condition will affect your life expectancy and make you a high death risk. If you took Xanax for anxiety or anti-depressants after a tragedy, your life insurance company probably won't view you as a significant risk.Times of reactive depression-depression that is triggered by a tragedy-won't affect the cost of your life insurance if you can show your insurance agency that you took the steps to get better. By showing them your medical records and being honest about your condition, you'll be more likely to get better rates and premiums. "If you hint at a problem, but don't say whether you are taking care of it or have been treated for it, the life insurance companies won't know what to think," says David Roush, CEO of Insurance.com. "The less th...
More About: Life , Mental , Cost , Life Insurance

What Do You Know About Life Insurance Settlements?
2007-07-14 15:55:00
You may have heard of viatical settlements, where people who are terminally ill can sell their life insurance policy to an investor for a portion of the policy's face value, but did you know that even if you're not terminally ill, you can still sell your policy?Life insurance settlements or "senior settlements" are contracts allowing a policyholder who is not terminally ill to sell his or her own policy. By selling your life insurance policy, you will not get back the amount that your death benefits would have been worth, but an investor will pay you a portion of the policy's face value. The way it works is that the investor or company that buys your policy will continue to make payments on your life insurance policy, and once you have passed, the investor or company will receive the full amount of your death benefits.Is this something new?Actually, no. Life insurance settlements have been around for a while, but many policyholders and consumers don't even know this option exist...
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Is Mutual Fund Insurance For You?
2007-07-14 15:54:00
When deciding whether or not to purchase insurance for your mutual funds, you should be sure you understand exactly what you're getting. For most policies, the payout will only occur after you die and only if your mutual fund has lost money since the time you purchased insurance coverage. Also, your beneficiaries will only get the difference between the market value of your investment and the amount that was guaranteed by your life insurance policy.ExampleSay you invest $25,000 and your premium ranges from .01 percent to .05 percent of your investment. The company you invested with guarantees that your mutual funds, plus an annual gain of between four and five percent-with a cap-out of up to 200 percent-will be there for your beneficiaries at the time of your death. If in the event the market goes down, having insurance will guarantee that your initial $25,000 investment will increase between four and five percent. When paid out, your heirs will only get the difference of the marke...
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Federal vs. State Regulated Insurance: Which Is Better?
2007-07-14 15:52:00
In an effort to streamline regulations that govern new coverage plans and update existing products when it comes to insurance, the American Council of Life Insurers (ACLI) is proposing to give insurance companies that do business in more than one state the option of operating under federal insurance regulations. The ACLI, along with other industry groups, insurance representatives and legislation, is working to create a new office in the National Treasury Department called the Office of National Insurers.This new office would allow insurance companies to decide if they would rather operate under state or federal insurance regulation. It would also oversee consumer protection, regulation of premium rates and sales, as well as marketplace practice. Insurance companies would fund the office, and it is comparable to The Office of the Comptroller of the Currency (for banks) or the Office of Thrift Supervision (for credit unions or institutions for savings).What areas the Office of Nation...
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Promissory Notes: What You Should Know When Investing
2007-07-14 15:50:00
Though promissory notes may be sold in addition to some life insurance policies, it is important to be on the look out for promissory note scams which claim "high returns for a minimal investment". "If it sounds too good to be true, it probably is," warns Insurance.com CEO, David Roush. To help protect you and your investment when it comes to promissory notes, Insurance.com has listed some helpful tips below: If you are being pressured into making an immediate decision about buying promissory notes, there's probably something not right-you should never be forced to make a split-second decision when it comes to your finances You've heard the phrase "don't put all your eggs in one basket," and the same goes with your savings. It's not a good idea to put all your savings into one type of investmentIf the investment sold is stamped "guaranteed" and it's from an off-shore insurance company, that should send up a red flag that something is fishy. Be sure to verify that the bonding co...
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When It Is Time To Take The Car Keys
2007-07-13 17:45:00
Early warning signs of Alzheimer's disease and dementia may be hard to diagnose, but what may be even harder is deciding on how and when to take away the car keys from a motorist who relies on driving in their day-to-day life.The Hartford and the Massachusetts Institute of Technology's (MIT) Age lab was designed in an attempt to help families recognize the signs of Alzheimer's and dementia. One section on their Age Lab website named, The Talk With Older Drivers offers ideas on how to approach the situation and what to discuss with a driver you feel may potentially have one of these diseases.Alzheimer's disease and dementia can lead to confused and impaired judgment which can affect the driver's perception of distance, hinder their ability to make quick decisions, and ultimately make them a driving hazard not only to themselves, but to other drivers as well. The hard thing about these diseases is that most people do not recognize they have a problem or that their driving skills ...
More About: Time , Keys , The Car

What's Your Worth on the Body-Parts Market
2007-07-13 17:44:00
They say there's a price on everything these days, and your body parts are no exception. Worker's compensation, lawsuits and accidental death and dismemberment (AD&D) policies give monetary worth to your body parts, depending on what profession you are in. If you are injured and lose a limb in an accident, your profession (and how famous you are) will factor in on determining how much your limbs are worth on the body-parts market. For example, if a famous guitar player lost a finger or thumb, the part would be worth far more than if a regular Joe Schmoe lost them.Typically, in the event you lose a body part on the job, worker's compensation will cover the cost of your injury. Each part of your body is assigned a set number of weeks for compensation purposes. The general equation they use when determining the worth of your body part is by taking a percentage of your weekly salary and multiplying it by the number of weeks assigned to the lost part.Accidental death and dismemberment...
More About: Body , Market , Worth , The Body , Parts

An Overseas Traveler's Guide For What Insurance They Need
2007-07-13 17:42:00
There's nothing like the feeling of excitement when you're going on an overseas vacation. The red X's on the calendar boldly show the countdown to your trip. Your bags are packed, your tickets are ready, your passport is ready for its stamp, and before you know it, you'll be on your way! But what happens when you get to your destination and the unthinkable happens? What if weather makes your trip too treacherous to chance? You end up getting sick? You get pulled over or your baggage is lost? Insurance .com has a few suggestions as to what you can do to make your trip as smooth as possible, even when the unthinkable happens.What to check before you leave:Health Insurance: In most cases, health insurance plans do not extend outside of the United States, so it is a good idea to check with your insurance provider and see exactly what your coverage entails.Car Insurance: If you are going to be renting a car and driving when you go overseas, it is a smart idea to apply for an internati...
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Ways To Save When Buying Life Insurance
2007-07-13 17:39:00
When it comes to shopping, savvy shoppers get the most for their money. This stays true not only when shopping for groceries or food, but for life insurance as well. So to help you get the most bang for your buck, Insurance .com has compiled a list of ways you can save the most when you're in the market to buy a life insurance policy.Is term life insurance for you? If most of your goals are short-term and you're not as interested in saving for the long run, term life insurance is for you. Term life insurance typically offers you the most coverage for the least amount of money, and is set up based around spans of time. For example, you may get a term life insurance plan that is set to pay out after five, ten or 20 years.If your main goal is to save money, and you don't mind paying a higher premium, it would be wise to look into a whole life insurance policy. Whole life policies offer a "cash value" feature that helps you save money each time you make a payment on your premium. Howe...
More About: Life , Buying , Life Insurance , Save

How Your Use of Alcohol Affects Life Insurance Costs
2007-07-13 17:37:00
The Society of Actuaries says that alcohol abuse may take off anywhere from 10 to 15 years of your life. But did you know it can also raise your life insurance premiums?When applying for life insurance, you will have to answer questions on the application related to your alcohol use. There is no actual insurance ruling on "problem drinkers" or "alcoholics," but excessive drinking can lead to certain medical conditions which will ultimately affect what insurance rate a life insurance company assigns you. It's very rare that you will be denied coverage based on the answer you give, but it may prompt a further investigation into your life and use of alcohol.Red flagsWhen a life insurance company is reviewing your application and records, there are a couple of things they look for that may "red flag " you as a risk:Liver enzymes.If you took a blood test, your life insurance company may test a sample for liver enzymes. If levels are elevated, it may mean there is an alcohol-related medi...
More About: Life , Insurance , Alcohol , Life Insurance , Costs

How Much Coverage Does Guaranteed Issue Life Insurance Actually Guarantee Y
2007-07-13 17:35:00
You see the fliers. You hear the radio spots. You see the commercials. The message is always the same; "Get approved for guaranteed issue life insurance with NO medical exams and NO medical questions!" But how much coverage does guaranteed issue life insurance actually guarantee you? Insurance .com tries to breakdown the idea of guaranteed issue life insurance, to help give you a better understanding of what it is, and what other alternative options are available.Guaranteed issue life insurance is an insurance policy that will insure whoever applies for it, no questions asked. Sounds too good to be true, right? Well, it kind of is.Typically, guaranteed issue life insurance is marketed towards senior citizens or those with medical problems. The catch for these kinds of policies is that you generally can't find coverage for over $20,000. Also, the cost of the premium tends to be higher because no medical exam or medical information is required.When it's all said and done, it's possi...
More About: Life , Life Insurance , Coverage , Ally

Confused About Buying Life Insurance? Here's A Few Questions And Answers To
2007-07-13 17:32:00
When it comes time to consider purchasing life insurance, many people get overwhelmed by questions or concerns they have. So to ease the minds of consumers who are ready to buy life insurance, Insurance .com has compiled a list of questions and answers to help make the process as painless as possible.What's the best age to purchase life insurance?As a rule of thumb, the younger you are, the lower your life insurance premiums will be. That's because your risk of dying is lower than if you were in your 50's or 60's. It's also a smart idea to buy life insurance when you're younger because you are able to lock in to a lower interest rate.Am I required to take a medical exam?For most life insurance policies, yes, you are required to take a medical exam at the time of application. This includes Supplemental Group Life (where you already have group life insurance) and also if you are requesting an amount of coverage that exceeds the standard level of coverage. However, if you are just...
More About: Buying , Questions , Answers

Better Yourself, Better Your Life Insurance Rates
2007-07-13 17:31:00
If you're overweight, have high blood pressure, high cholesterol or a heart condition, you know what the best steps are to take in order to improve your condition. You should be eating healthier, getting plenty of exercise, taking medications as directed and seeing a doctor regularly to monitor your condition. But did you know that by bettering your overall health, you could also be improving your life insurance rates as well?"When it comes to illnesses, the higher risk you are, the higher your life insurance payments will be," says David Roush, CEO of Insurance .com. "If you pay a higher life insurance rate due to a medical condition, you can possibly lower your premium by trying to improve your overall health. Many insurance companies are very receptive to customers trying to make changes in their life to improve their health, and often this type of behavior is rewarded with a price reduction."Insurance companies focus on your health when it comes to life insurance. The less risk ...
More About: Life , Life Insurance , Rates , Rate

Life Insurance Rates For Smokers
2007-07-13 17:28:00
With life insurance, there are three different premium classifications: standard, preferred or preferred plus. By not smoking (or having not smoked for at least 5 years) and being in excellent health, you will be awarded with a lower life insurance rate because your chances of dying sooner are reduced. If for instance, you are classified as "normal healthy," meaning you haven't used nicotine in at least three years-then you would fall into a standard classification with a life insurance company. Under this standard classification you would pay a normal life insurance rate for your age, as opposed to a smoker, who would pay a higher insurance rate because they are tagged a potential risk. Something to think about the next time you light up a cigarette!Are you considered a smoker?In the world of life insurance, by answering "yes" on your application to the questions, "do you smoke?" or "do you consider yourself a smoker?," you would be considered a smoker. The same goes for answering...
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Do You Need More Than Just Group Life Insurance?
2007-07-13 17:27:00
Though group life insurance is a great deal, is it really all the insurance coverage that you need?In most cases your employer owns the group life insurance policy, and you will either receive it as an employee benefit or you can purchase it through your company's benefits plan voluntarily. If it is a benefit, it typically equates to one full year's salary that is paid out to your beneficiaries at the time of death. Smaller companies may offer a set, face amount payout, depending on your position at the company. Larger companies usually offer better death benefits, like up to three times your salary, in the event of your death. Smaller businesses are more apt to offer smaller plans due to limited funds.Group life insurance that is offered on a voluntary basis is typically more extensive than if it's given as a benefit. Depending on what kind of policy you have, your spouse and children may be covered as well. The size of your death benefit can vary, and at some places, there is a...
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Child Beneficiaries And Their Life Insurance Trusts
2007-07-13 17:26:00
According to Merriam-Webster's dictionary, a trust is a property interest held by one person for the benefit of another. The trustee (the person who holds the trust for another person) does not have the right to benefit from the trust. They can, however, be held accountable and liable for any lost funds, in the event they don't manage the assets responsibly.It is a good idea to have a life insurance trust to benefit dependent children when your income is lost due to your death, but more so, it is important that these benefits you set up for your children are used the way you want them to be used. To do this you will want to create trusts for each of your children. Trusts are easy to create, so all you need to do is check with your life insurance company and see what verbiage you will need to include in your life insurance policy and will. You should appoint a guardian, as well as stating the trust in your last will and testament-in the case of a life insurance policy, your death b...
More About: Life , Insurance , Life Insurance , Child , Rust

Battle of the Sexes: Who Pays More For Life Insurance?
2007-07-13 17:24:00
In a society where the battle of the sexes runs neck-at-neck for almost all cases, it's a hands-down winner in the race for who plays less for life insurance. The winner is women. But why?A study by the Society of Actuaries done in February of 2001, concluded that testosterone wreaks havoc behaviorally and biologically on men's bodies, which leads to a higher risk of disease, as well as risk-taking behavior-like unsafe driving and drug and alcohol abuse. This is because testosterone promotes higher blood pressure while it lowers the effectiveness of the immune system. The greatest difference in mortality rates is seen at age 22, when testosterone is at its highest.Traditionally, it was believed that women lived longer than men because most worked from home. But more recent studies have shown that women who are out in the working force actually live longer than those who are homemakers.Additional studies have been done in an attempt to study demographic mortality rates of men and w...
More About: Life , Insurance , Life Insurance , Pays , Battle

Affordable Life Insurance For Asthma Sufferers
2007-07-13 17:21:00
In the United States, asthma continues to be a growing concern not only for asthma sufferers, but for life insurance companies as well. The main concern of insurance companies is that half of all asthma deaths occur in people younger than 65. Though asthma is a very serious and potentially deadly condition, it is still possible for asthma sufferers to find affordable life insurance.If you have asthma, it would be beneficial to shop around for different life insurance quotes. The severity of the asthma that you have, the persistence of it, and how well you respond to treatments, are all deciding factors for insurance companies when they are considering your policy. The National Institutes of Health have set goals for asthma treatment, and if you accomplish such goals, your premium may go down. The list includes:Low occurrences of wheezing, cough, shortness of breath and chest tighteningAsthma symptoms not affecting your sleepAsthma not causing a disturbance in your work or school sch...
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