Finding affordable life insurance with heart disease and specifically conditions like high blood pressure requires an understanding of each company’s underwriting guides.
Does taking blood pressure medication raise your life insurance rate?
It doesn’t matter if you take high blood pressure medication or not.
What matters is your blood pressure control.
We have some life insurance companies that will offer you competitive life insurance rates either way whether you need term life insurance, universal life insurance or whole life insurance.
High blood pressure is a common life insurance underwriting issue we work with on a regular basis.
The right life insurance company is the key to getting your best rate
If you have other health issues such as heart attack history, heart bypass history, angioplasty, etc…we will need to look at that medical history as well in order to provide you with accurate life insurance quotes.
High Blood Pressure Overview
High blood pressure, also referred to as hypertension puts excess pressure on the blood vessel walls of your circulatory system. If left unchecked, uncontrolled high blood pressure can shorten your life significantly.
High blood pressure affects your heart. High blood pressure can contribute to heart disease, can harden your arteries over time, a condition called atherosclerosis.
High blood pressure can affect your eyesight, further hardening blood vessels that will affect your eyesight.
High blood pressure can affect your brain. The affects of artery hardening over time can contribute to a stroke.
High blood pressure can affect the circulation in your kidneys, you may have a condition called Proteinuria, excess protein in urine.
High blood pressure may affect your life insurance rates…BUT we will work with you to ensure you get the best life insurance rates possible based on your blood pressure history.
How Does High Blood Pressure Affect Life Insurance Rates?
Life insurance companies are looking at your medical history, the cause of your high blood pressure, the blood pressure medications you take to control your high blood pressure, how long you have been on blood pressure medications, the steps you have taken to improve your health and lower your blood pressure, any EKG test results, etc.
If you apply to the wrong life insurance company, or don’t follow our “paramed exam tips” you will pay more than you need to for term life insurance.
Who wants to do that, right?
Not all life insurance companies treat high blood pressure favorably. Some life insurance companies will penalize you for taking blood pressure medication even if you have great blood pressure control.
What are the blood pressure requirements for life insurance?
Life insurance companies look for the following when underwriting high blood pressure:
- How old were you when diagnosed with high blood pressure?
- Do you take medication for high blood pressure? If yes, what do you take and what dosage?
- How long have you been taking blood pressure medication?
- Does your blood pressure medication work?
- Have you taken positive steps to improve your blood pressure?
- Do you smoke?
- Have you had any heart problems?
What Should Blood Pressure Readings for Life Insurance Be?
Each life insurance company has its own set of underwriting guidelines.
- Some life insurance companies will offer you their best life insurance rates if you take blood pressure medication, while other life insurance companies will penalize you for taking blood pressure medication.
- Some life insurance companies have age cutoffs for blood pressure, allowing older insureds to have higher blood pressure readings and still qualify for the best rates.
- Each life insurance company is different. Sample blood pressure limits for the best rate classes are 130/80, 135/85, 140/85, 140/90, etc..
- We’ll tell you which life insurance company is best for you based on your blood pressure history.
- Metabolic Syndrome – If you have risk factors in addition to high blood pressure, underwriters may charge you more.
High Blood Pressure Life Insurance Examples
45 year old male, in excellent health, does not take any medications. The only issue is that his blood pressure tends to run in the 140/80 range. How will he be treated for underwriting purposes?
Company “A” has a cutoff of 130/80 based on his age.
Company “B” on the other hand has a more liberal blood pressure cutoff of 140/90 for their best rates.
Company “C” has a blood pressure cutoff of 140/85.
Take this example one step further. This same person decides to take blood pressure medication. A few months later, his blood pressure readings are consistently 130/80.
Well it would seem that he can now pick company A, B, or C, right? WRONG!
Each life insurance company has its own underwriting philosophy. In this scenario, Company “A” allows blood pressure medication. Companies “B” and “C” do not offer their best life insurance rates if you take blood pressure medication. If you went to “B” or “C”, the best rate would be a more expensive preferred rate.
Can I get life insurance if I have diabetes and high blood pressure?
Yes. Many times during the underwriting process we will see multiple health issues such as diabetes, high cholesterol, or other medical conditions in addition to high blood pressure. We can help you.
We maintain a database of the life insurance underwriting guidelines for each life insurance company that we work with. What we simply do is match you up to the most competitive company based on your specific medical information.