Life Insurance for People with High Blood Pressure (HBP) and Hypertension is possible if you have the right agent working for you. When shopping for the best life insurance rates, any medical problems you have or have had in the past can affect your ability to get the best life insurance rates and policies.
Does high blood pressure affect life insurance rates? Yes, the higher your blood pressure reading, and the more medications you are taking, the more challenging it will be to get the best life insurance rates.
Don’t worry…we can get you great life insurance rates if you have high blood pressure. Remember, some life insurance companies view high blood pressure more favorably than other life insurance companies.
Can I get life insurance if I have high blood pressure?
Yes, you can! Getting life insurance for someone with high blood pressure is no problem as long as your high blood pressure is properly controlled (generally with medication).
If your high blood pressure is under control and you comply with your doctor’s recommendations, you will have no problem getting affordable life insurance!
Why do life insurance companies consider high blood pressure a risk?
Your blood pressure reading is a measure of the force of the blood pushing outward against the walls of the arteries as your heart pumps blood throughout your circulatory system. If your blood pressure is high and stays elevated over time, it can cause damage to your body. The control of high blood pressure in your body should be a major priority for your health and wellness plan.
From an insurance standpoint, your high blood pressure makes you more of an insurance risk than somebody who does not have high blood pressure. Being a higher risk for a life insurance company will result in higher life insurance premiums.
But you can get approved for the best health rating insurance class with the lowest possible premium if you understand how the life insurance companies work. You will need a life insurance agent that can work with the insurance company underwriters effectively. We do every day at Life-Wealth-Win for our high blood pressure life insurance clients.
What is high blood pressure?
High blood pressure (hypertension) is something you cannot feel or see within your body. High blood pressure usually has no symptoms you will notice. High blood pressure, however, can cause significant damage to your body. High blood pressure can damage your heart, kidneys, blood vessels, and negatively affect other parts of your body.
Your blood pressure is measured in areas – systolic and diastolic pressure.
The systolic part measures your blood pressure when the heart is beating and pumping blood. The diastolic part measures your blood pressure when your heart is resting between beats. Your blood pressure readings will be written with the systolic reading in front of the diastolic number, such as 118/73 mmHg.
Here is information on blood pressure readings:
- Normal blood pressure readings are typical diastolic N 120/80.
- Pre-hypertension readings are between 120-139/80-89.
- High blood pressure readings are between 140-159/90-99.
- If your numbers are higher than 180/100, you need get to the hospital emergency room right away!
Remember, your blood pressure will probably read higher as you get older.
How will high blood pressure & hypertension affect my life insurance rates?
High blood pressure is a key indicator of potential cardiovascular disease. This may include the likelihood of having a stroke and/or a heart attack. The insurance companies are all about managing risk, and the less your high blood pressure is under control, the more risk you present to the insurance company. This will generally result in higher life insurance rates for you.
Remember, if you have high blood pressure, you are responding well to medications, and your blood pressure is under control, this will be viewed more favorably by the insurance companies.
The insurance companies, however, will still want to know what your blood pressure readings were for the last 1 to 2 years.
What are the life insurance companies looking for with my hypertension?
Life insurance companies will consider all health and lifestyle factors when deciding whether to issue a life insurance policy to somebody considered a high-risk applicant. Life insurance companies will want to know the following:
- The length of time you have had high blood pressure/hypertension.
- How well-controlled your high blood pressure is. They will look at your medical records, your height and weight, and any lab test results.
- If you have any other medical problems in your body, they will want to know about them.
- If you are a smoker and how long you have smoked. They will also want to know if you chew tobacco or use vapor cigarettes containing nicotine.
- They review your family history for a genetic predisposition for hypertension and other health issues.
- They will review any other medical conditions you have, such as high cholesterol levels, irregular blood sugar levels, prior surgeries, vision issues, paralysis, or numbness in body parts, and more.
- Insurance companies will also consider your occupation. If you handle dynamite at work, it will be difficult to get you significant levels of life insurance! If you work in an office environment, the process is much easier!
What can I do to get better life insurance premiums if I have high blood pressure?
There are certain things you should do to get the best life insurance rates if you have high blood pressure:
Get Treatment For Your High Blood Pressure:
Do not think that, just because your high blood pressure is not causing any immediate medical problems, you can ignore it. If you ignore any important health problems, the life insurance companies will probably ignore your request for life insurance (meaning, you will get declined or postponed for insurance coverage).
Have Good Health Habits:
What this really means is reducing more of your bad health habits. If you smoke, consume alcohol excessively, or overeat, these habits significantly contribute to higher blood pressure readings. The better you are at reducing or eliminating these unhealthy habits, the better insurance risk you will be.
Exercising has been shown to be very beneficial in reducing high blood pressure in your body. Always consult your doctor before starting any exercise program (especially if you have high blood pressure).
Even moderate exercise, such as walking a few miles a day, can significantly lower your blood pressure. If you are more of a couch potato or have a very sedentary lifestyle, this will increase the likelihood you will have high blood pressure problems.
Watch What You Eat:
The food you put in our body will always result in a specific health outcome. If you eat too much salt, fat, caffeine, processed foods, it will likely have a negative impact on your blood pressure. A well-balanced diet, including fruits and vegetables, will help you achieve lower blood pressure readings.
Stay away from foods high in saturated fat, trans fats, sodium, cholesterol, drinks high in sugar content, and perhaps even red meat. These foods will make it more difficult to achieve lower blood pressure readings.
Stress is perhaps one of the biggest causes and contributors to high blood pressure within your body. If you think you can eliminate stress from your life, you are probably fooling yourself!
Anything you can do to relieve stress in your life, such as exercise, meditation, relaxation, etc., should help you in managing high blood pressure. The goal is to see your blood pressure gradually get reduced.
Do life insurance companies look at the medications I am taking to control my hypertension?
When shopping for life insurance with a hypertension diagnosis, taking medications can work against you if you are trying to get the best high blood pressure and hypertension life insurance rates. This does not mean you should not take your medicines!
In the eyes of the insurance companies, the only thing worse than having high blood pressure and taking medications is having high blood pressure and not taking your medications (resulting in uncontrolled hypertension).
If your blood pressure is fluctuating and uncontrolled, this can count against you and cause your life insurance rate to increase. Different insurance companies have different underwriting processes that list specific time frames they require your blood pressure to be under control.
What are some of the typical medications used to treat hypertension
Some of the most commonly prescribed high blood pressure medications are as follows (in alphabetical order):
- Metoprolol succinate
- Toprol XL
Make sure your life insurance agent knows your exact medications and dosages. If you are doing a fully underwritten life insurance policy, then you also need to let your para-med examiner (who will perform a health check and take your blood and urine samples) know about your medications and dosages.
What insurance company should I choose if I have high blood pressure?
If you have high blood pressure, applying to the insurance company with the cheapest premiums may not be in your best interest when applying for a life insurance policy. The most important thing to focus on is which insurance company will approve you for coverage.
It is best to focus on which insurance company will view you and your high blood pressure condition more favorably so you have a higher likelihood of getting approved for affordable life insurance coverage.
If we can raise you from a “standard” insurance rate to a “standard plus “insurance rate by switching companies, it will save you a lot of money in insurance premiums. So let’s do this together!
When is the best time to buy life insurance if I have high blood pressure?
The best time to buy life insurance is always right now. Life insurance rates with high blood pressure only go higher as you get older. If you do not have life insurance, and you need to protect your family or business interests, invest in the best insurance protection you can afford right now.
Even if you are a high-risk life insurance candidate, it is still smart to see what life insurance plans you are eligible for and what your life insurance rates with high blood pressure will be.
Can I get more affordable life insurance if I get my high blood pressure & hypertension under control?
In most cases, yes. Many insurance companies will allow you to revisit your high blood pressure condition in the future. If you have controlled your high blood pressure, and you have lowered your blood pressure readings, you may be eligible for lower life insurance rates.
If the insurance company you initially signed up with will not review or consider lowering your rates after a year or more, we can work with you to find another insurance company that will offer you a better health class rating and better life insurance rates. The typical waiting time for reapplying for insurance is typically 12 to 13 months from the issue of your current policy.
Do the insurance companies ever change their underwriting requirements?
Remember that insurance companies change their underwriting guidelines occasionally, and the best company for HBP life insurance today may not be the best life insurance company for high blood pressure tomorrow.
Whether you are looking for term life insurance with high blood pressure, universal life insurance with high blood pressure, whole life insurance with high blood pressure, or guaranteed issue life insurance with high blood pressure, we can help you.
Life-Wealth-Win Life Insurance and Wealth Services would love to help you get your loved ones, family, and business protected! Call us or get your free life insurance estimate by clicking the link below.