Quick Tip: if you have high blood pressure and looking for affordable life insurance, fill out the form on the side and rates will be displayed immediately.
How Can High Blood Pressure Affect Life Insurance Rates
Does treated blood pressure affect my life insurance rates?
Above all, blood pressure causes many other health impairments and health issues. For instance, being diagnosed with high blood pressure puts your overall health at risk.
To emphasize, these risk factors include but are not limited to:
- Heart attack
- Coronary Artery Disease
- Kidney Failure
These all factor into each other causing each to be worse. So it should not be a big surprise that if your blood pressure is not in control, you will pay a higher rate.
In fact, life insurance companies will want to know your blood pressure history. What is your average blood pressure reading? What kind of medications are you taking? Any history of elevated readings? Furthermore, these are the questions that a life insurance underwriter will want to know when deciding on your rating class. For this reason, the carrier will insist on a medical exam and will request medical records. Remember, Rating class determines the price, so you will want to have a history of in check blood pressure readings.
The good news is, getting life insurance with high blood pressure is very achievable. is not a concern, but insurance companies will rate you higher if you have high blood pressure that is not controlled. Here at PinnacleQuote, we can help you find the best life insurance plans at the lowest cost. However, when speaking to your life insurance agent it is very important, to be honest when filling out your life insurance application.
Why is Hypertension Disconcerting to Life Insurance Companies
Overall, when a life insurance carrier in determining the rate, they want to make sure you are a sound investment! By and large this is a business! So Hypertension, or high blood pressure, has a long list of possible health issues that can have a significant effect on the price. We touched on some above, but here are a few more.
As you can imagine, these related health issues cause people with hypertension to be considered high risk individuals. Of course, there are more potential complications that come with hypertension, but as long as they are non-life threatening, they are not as concerning to the life insurance companies. Furthermore, you always want to be with the right life insurance carrier that specializes in that niche. Moreover, you want a company with a high rating and is reputable. We consider A.M. Best as the superior rating agency for financial stability and making sure that the insurance company is solid.
TAKING MEDICINE FOR SECONDARY HYPERTENSION VERSUS ESSENTIAL HYPERTENSION
Above all, 95 percent of hypertension is known as “essential” hypertension. This implies there isn’t any specific underlying reason. If that is you, it is extremely important to take the drugs as prescribed. It can only help your situation to maintain a decrease health course, pay reduced premiums, and put your hard earned money back in your pocket. This usually means an inherent cause DOES lead to the existence of hypertension.
Frequent causes include:
- Heart issues such as a congenital defect of the aorta
- Tumors in the adrenal gland
- Kidney Issues
With this particular group, taking blood pressure medicine remains generally great for the life insurance prices. (Assuming the Doctor prescribed it naturally)The distinction here: as there’s an underlying reason, that illness will have to be looked specifically and individually from the mere existence of hypertension.
BLOOD PRESSURE MEDICINE AND PREFERRED RATING CLASS
If it concerns the top wellness course, “Preferred Plus”, there are a number of businesses which will not permit any blood pressure medicine to qualify for their best prices. This varies by business. We’ll detail this a later segment.
The motive is straightforward: Greater than 5 percent of individuals qualify for Preferred Plus. It’s reserved for people in exceptional health. You have to have healthy/low BP amounts and (with a few businesses) these have to be organic, without the guidance of medications
what is considered high blood pressure life insurance
People with high blood pressure must learn to keep track of their blood pressure readings, in order to monitor their condition. A blood pressure reading is the ratio of two numbers: the Systolic reading (top) and the Diastolic reading (bottom). Below, you’ll see the guidelines for these categories given by The American Heart Association:
systolic mm HG
diastolic mm HG
less than 120
and less than 80
hypertension stage 1
hypertension stage 2
160 or higher
or 100 or higher
higher than 180
or higher than 110
If your blood pressure reading is in Hypertension Stage 1 or higher, you may have trouble finding the life insurance rate you are looking for.
WHAT DO LIFE INSURANCE COMPANIES WANT TO KNOW ABOUT YOUR BLOOD PRESSURE MEDICATIONS
Taking medication for your Blood Pressure — even if it’s effectively lowering your blood pressure — can have a negative impact on your life insurance plan.
Life insurance companies do not want you to have fluctuating blood pressure. Instead, they’re looking to see if your blood pressure has remained more or less the same for an extended period of time.
Before you apply for life insurance, make sure you prepare yourself for several questions about your medication. This includes the precise dose of medicine you are taking. Common blood pressure medications include Bystolic, Diovan, Toprol XL, etc. If applying for life insurance for seniors over the age of 75, above all, they will be looking for the history of blood pressure readings to make sure there are no elevated readings. Studies have shown that treated high blood pressure may be linked to greater overall disability in people with multiple sclerosis (MS)
A slightly elevated blood pressure might only be attributed to anxiety and a bad diet. A more badly raised illness puts a strain on the heart and blood vessels. This may lead to more severe medical ailments
Insurance underwriter’s opinion: It is the higher risk for those conditions which are the true concern. Finally, this means you are going to pay higher premiums. Stick with us to discover how to reduce this.
WHAT IS CONSIDERED HIGH BLOOD PRESSURE FOR LIFE INSURANCE
It’s important to realize that a life insurance company’s underwriter will take a very thorough look at your most recent blood pressure readings. In addition, the overall history of hypertension. For instance, there are certain blood pressure level readings which tell the carrier about what type of risk an applicant is. This will determine what the applicant’s rate will be. Another key point is to understand that every carrier has different guidelines for determining the rate. With this in mind, it is very important to consult with an independent agent.
Here is the basic rule of thumb:
- Preferred Plus/Select Preferred Class: If your blood pressure readings are below 130/80 and you aren’t on any drugs, below the age of 60, you’re not deemed to have elevated blood pressure and so you’d be qualified for the lowest possible premiums
- Preferred Class: You may be thought of as a favorite risk if your readings are below 135/90 controlled by drugs, or 150/90 with no drugs. This would induce you to marginally lower premiums than people from the normal classification.
- Standard: This normally requires readings which don’t exceed 150/90 controlled by drugs. Readings might be greater for older age classes, as an instance, people over 50, and people over 60.
WHAT ELSE WILL LIFE INSURANCE COMPANIES ASK ME
There are several more questions you must prepare for. Life insurance companies will want to know the following:
They’ll ask for your height, weight, cholesterol levels, and if you have any other medical conditions on top of your high blood pressure. All of this information will factor in their assessment of you, and whether or not they’ll consider you a high-risk life insurance individual.
It’s important to note that each life insurance company is different. Their health assessment will vary drastically depending on which company you go with. This is where we at PinnacleQuote can help you find the best option for you, personally.
WHAT ARE THE BEST TIPS FOR LOWERING THE BLOOD PRESSURE
If you wish to be proactive, there are several things you can do that can help you lower your life insurance rates. This includes consistent exercise, quitting smoking, cutting down on alcoholic drinks, and eating healthy, well-balanced meals (i.e. the Dash diet). Also, the 20-year term life insurance policy is the most common term to purchase.
If your blood pressure is out of control, taking medication may be your best option. Life insurance companies would prefer to see you with a controlled heart rate while on medication than an uncontrolled heart rate without medication.
How to Lower Your Life Insurance Premiums
There are a number of measures which you may take so as to boost your probability of obtaining a life insurance plan even in the event that you’ve got an elevated blood pressure.
The very first thing which you’ll have to do would be to be certain that you are treating your blood pressure. As high blood pressure generally doesn’t create immediate medical difficulties, folks have a tendency to discount it. This may give rise to a life insurance provider to deny your coverage. Be certain you get regular checkups and take drugs as needed so as to control it.
There are particular customs which could aggravate hypertension. Should you indulge in some of them, you need to reduce as soon as possible and make it a wish to stop completely
OTHER WAYS TO INCREASE YOUR CHANCES FOR A BETTER LIFE INSURANCE RATE
Begin with losing some excess weight as being obese may be a strain on the center, which may raise blood pressure.Exercise is a great way to decrease your blood pressure too. A regular exercise regimen can help decrease your blood pressure. It may be as straightforward as walking a couple of miles every day. If you’re entirely exhausted your blood pressure may worsen.
There are particular foods like fats, caffeine, salt, and many others who could have a negative effect on your own blood pressure. You need to avoid processed foods and include more veggies and fruits into your diet plan.
Anxiety is just another contributor to elevated blood pressure. You are going to need to be certain that you attempt and relax as far as you can. Remove stressors out of your daily life and participate in actions which can allow you to offset the effects of anxiety. Meditation can be exceedingly beneficial in the relaxation procedure.
If you’re applying for a life insurance plan, work with a carrier which has a positive outlook of blood pressure as being a risk element.
HOW/WHEN SHOULD I APPLY FOR LIFE INSURANCE
There are a few options to consider when applying for life insurance when diagnosed with hypertension. First, you should learn the pros and cons of permanent life insurance vs. term life insurance. From there, you’ll need to decide on a plan.
For high risk life insurance individuals, you also have the option to apply for no exam life insurance, where you will be guaranteed acceptance. These policies will be a bit more, but may eventually be beneficial. If you are a special risk, depending on the risk, guaranteed acceptance may be a good option. At PinnacleQuote, we can seek out the best life insurance options for you.
Putting off life insurance, especially with a potentially life-threatening diagnosis, leaves your family unprotected and debts unpaid. It doesn’t have to be today, but get in contact with us and we’ll help you acquire some peace of mind.
WHAT IS THE LIFE EXPECTANCY OF A PERSON WITH HIGH BLOOD PRESSURE
There are quite a few risks for people with high blood pressure. Not only is your life expectancy shortened by 10-20 years, you are at risk for the following:
- Heart disease
- congestive heart failure
- kidney issues/disease
PINNACLEQUOTE LIFE INSURANCE SPECIALISTS, NATIONAL award winning INDEPENDENT AGENT
Most Importantly, you want to make sure when shopping for life insurance that you want to go with an independent agent over a captive agent.
We are located in Duval County, Jacksonville, Florida. Actually, PinnacleQuote is a licensed national independent life insurance agent in 49 states. At the same time, has relationships with dozens of carriers.
If you’re looking for a simple process, then let PinnacleQuote hold you by the hand. Therefore, we will provide you with the best life insurance rates in the industry, that’s made possible by the relationships we have accumulated over the years.
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