If your doctor diagnoses you with hypertension, chances are you may be prescribed Metoprolol as part of your treatment plan. You may be wondering if your high blood pressure medications can affect your life insurance application. We can help you understand your Metoprolol life insurance eligibility options so that you can qualify for the lowest premiums.
More than 1 in every 3 American suffer from hypertension, so most high blood pressure medications like Metoprolol, Lisinopril, Losartan, and Atenolol often pass through underwriting with no issue. However, whether you get the best rates in the market depends on who you work with.
At Life Wealth Win, we specialize in healthy to high-risk life insurance cases. We can help you to understand your life insurance options with a Metoprolol prescription history.
WHAT IS METOPROLOL?
Metoprolol (Lopressor) is a beta-blocker that affects the heart and blood circulation.
Metoprolol is used to treat angina or chest pain and high blood pressure. It is also used to treat or prevent a heart attack.
WHAT DO BETA BLOCKERS LIKE METOPROL DO?
Beta blockers like Metoprolol slow your heart rate, and the amount of blood pumped out by the ventricles. It lowers your blood pressure and reduces the force of each heartbeat. They work on both your heart and your blood vessels by blocking the adrenaline hormone. Beta blockers are useful because they relax the muscle walls inside the blood vessels expanding them.
A slower heartbeat means less work for your heart. Less work from the heart means lowered blood pressure.
Beta blockers are not only prescribed for hypertension. They may be prescribed for other conditions, such as congestive heart failure or arrhythmia (these other uses are something the underwriters will be concerned about).
WHY DO DOCTORS PRESCRIBE METOPROLOL?
- To reduce overall blood pressure
- To treat angina (chest pain) and cardiac arrhythmias (abnormal heartbeat patterns)
- To prevent future heart attacks for patients who have already suffered a heart attack in the past.
- If a more mild medication like diuretics is ineffective.
WHEN DO DOCTORS PRESCRIBE METOPROLOL?
- Upon receiving a high blood pressure diagnosis
- Upon diagnosis of cardiac arrhythmia
- Following a heart attack or cardiac surgery
LIFE INSURANCE AND METOPROLOL
Metoprolol is a second line of defense when treating high blood pressure, that’s why they are sometimes rated higher than other medications like diuretics. They are also prescribed for chest pain, after a heart attack or atrial fibrillation.
They usually do not pose a threat to Metoprolol life insurance eligibility underwriting in the absence of these more severe conditions.
The rate class depends on the present condition treated and the recent blood pressure readings. Knowing the reason for your prescription will determine the effect it will have on the outcome of your life insurance application.
Preferred life insurance rate is possible for those who simply take Metoprolol to treat “normal” high blood pressure without a previous history of heart disease.
However, for those applicants who have a history of heart disease, the insurance companies will want to know more about your pre-existing medical condition before making an offer of coverage.
QUALIFYING QUESTIONS INSURANCE COMPANIES WILL ASK TO KNOW MORE ABOUT YOUR PRE-EXISTING CONDITION
- Why have you been prescribed Metoprolol?
- How long have you been taking Metoprolol?
- Who prescribed you Metoprolol?
- What other prescription medicines are you taking?
- Have you been diagnosed with heart disease?
- Have you ever suffered from a heart attack?
Your answer to these fundamental questions will let the insurance companies decide which types of life insurance policies may be eligible to you. It will also determine whether or not they may need to order medical records from your doctors to know more about your condition.
UNDERWRITING HIGH BLOOD PRESSURE
Life insurance underwriters will take note of the following key factors when assessing an applicant with high blood pressure looking for life insurance while using Metoprolol.
- Age and gender
- Height and weight
- Duration of blood pressure elevation
- Presence of other cardiovascular risk factors
- Family health history
- The existence of end-organ damage
The chances of not being rated are good if an applicant has been diagnosed with high blood pressure but has well-controlled blood pressure.
Being “rated” means that you get a classification below standard life insurance risk classes.
A table rating will equal higher premium cost to offset the risks the life insurance company is taking by insuring you.
WHY IS HIGH BLOOD PRESSURE A MAJOR CONCERN?
High blood pressure put undue stress on the heart and the blood vessel walls. Over time, this causes injury to heart, arteries and to all the organs they supply. Sustained high blood pressure can cause the following complications:
- Heart attack
- Transient ischemic attack
- Peripheral vascular disease
- Kidney failure
- Eye disease with vision loss
Keeping your blood pressure low decreases your chance of a heart attack, stroke, and other health issues.
About 7 million people die each year in the U.S. from conditions caused by high blood pressure.
WHAT CAN YOU DO TO IMPROVE YOUR METOPROL LIFE INSURANCE ELIGIBILITY AND PREMIUMS?
You can take these tips to get Metoprolol life insurance eligibility and get lower premiums:
- Keep your blood pressure under control.
- Do not ignore your condition because it does not produce immediate medical problems.
- Take medication as prescribed by your physician.
- Premiums are lower for those who keep their blood pressure down with medication.
- Premiums are higher for those who do not follow up with a doctor regularly.
Here are some other helpful tips for best life insurance pricing:
Lose weight. Excess weight puts an enormous strain on the heart increasing blood pressure. Being overweight causes high blood pressure because the more you weigh, the more blood is needed to supply oxygen and nutrients to your body. You can reduce your risk of hypertension by losing weight.
Exercise. Research shows that vigorous physical activity like walking has been shown to have beneficial effects on high blood pressure. A regular exercise regimen can help lower your blood pressure. Walk or enroll in a gym to get your body moving. A sedentary lifestyle can worsen your blood pressure condition.
Eat Healthily. Add more fruits and vegetable to your diet. Avoid processed and junk foods. Regulate your sugar, salt, and caffeine intake because it can hurt your blood pressure.
Give up bad habits. Bad habits can aggravate high blood pressure. Stop smoking, excessive alcohol consumption and over-eating. These bad habits can harm you. You can get a lower premium if you quit these bad habits especially smoking.
Lessen stress by relaxing. Stress causes high blood pressure. Learn to relax when you are busy. Engage in activities that help to counter the effect of stress like meditation. Taking hobbies or listening to good music will calm you down and give you a more balanced outlook on life.
Metoprolol life insurance eligibility can be easy if you partner with us. Our agents at Life Wealth Win are experts at life insurance underwriting. We can help you match with an insurance company that suits you best.
We specialize in healthy to high-risk life insurance cases. Call us at (888) 435-4342 to help you understand your Metoprolol life insurance eligibility options.
Click the free insurance quote, and we will shop the market to find the best rates available for you.