Life insurance With High blood Pressure| Get Approved
Life insurance With High Blood Pressure| Get Approved
Are you dealing with high blood pressure the last thing you want is for your approval for coverage to stress you out. The key to applying for life insurance with high blood pressure (HBP) is to choose the right company that is the most lenient in underwriting clients with HBP.
The good news is that finding affordable life insurance for clients with high blood pressure may be easier than you think.
Most life companies have acceptable ranges for elevated blood pressure. In fact, some companies may completely overlook a blood pressure prescription as long as the medication is keeping your blood pressure within a normal range.
Every company has different guidelines and just like other health issues, some companies are much better than others for applicants who have a history of high blood pressure.
What is High Blood Pressure?
High blood pressure is called hypertension. The condition itself usually has no symptoms. You can have hypertension for years without knowing it. It can damage the heart, blood vessels, kidneys, and other parts of your body. Knowing your blood pressure numbers is important, even when you’re feeling fine. If your blood pressure is too high, treatment may help prevent damage to your body’s organs.
Blood pressure is measured as systolic and diastolic pressures. Systolic refers to blood pressure when the heart beats while pumping blood. Diastolic refers to blood pressure when the heart is at rest between beats. You most often will see blood pressure numbers written with the systolic number above the diastolic number, such as 120/80 mmHg. Normal blood pressure range is less than 120/ less than 80. Anything between 120-139 /80-89 is considered pre-hypertension. Numbers above 140-159 /90-99 is considered high.
High Blood Pressure Statistics
As of 2016, the following numbers show the significance of high blood pressure:
- About 75 Million adults in the United States has high blood pressure. That’s 1 of every 3 adults.
- Another 75 million adults have prehypertension.
- Only 54% of those with high blood pressure have their high blood pressure controlled.
- High blood pressure was listed as a primary or contributing cause of death for 414,000 Americans in 2014.
- High blood pressure cost the United States $48.6 billion each year in health care services, medications and missed days of work.
Can I get life insurance with a history of high blood pressure?
The quick answer is, YES.
Ultimately, approval for life insurance with high blood pressure or hypertension will depend on:
- when you were diagnosed,
- the medications you take,
- your blood pressure readings, and
- if your condition is controlled.
The Impact on Your Life Insurance Policy
When you apply for a life insurance policy, you will have to take a medical exam. During this exam, you will be asked questions about your family history, lifestyle, and smoking and alcohol usage. The person administering the exam will measure your height, weight, pulse, and blood pressure.
If you have had high blood pressure in the past, don’t panic. Keep in mind that many people respond well to medications that help lower their blood pressure. If you have successfully lowered your levels, your past levels should have little effect on your life insurance costs.
What Life Insurance Companies Look For
Life insurance companies are concerned that those with high blood pressure are taking the proper precautions to keep it under control. A medical history of regular physician checkups is important to the company.
The life insurance company will be looking specifically at:
- How long you have had high blood pressure
- The degree of control as illustrated by medical records, height/weight and lab test results
- Any other medical conditions present
- Whether you are a tobacco user
What rate class do I qualify at for life insurance with high blood pressure?
This is a tough question because life insurance companies have about 16 different rate classes. What rate class you qualify for will also determine what your cost will be.
One of the most common medications taken by clients is a blood pressure medication. The good news is there are carriers who will offer a preferred plus rate class even if you take a blood pressure medication. You may need to show a history of control but don’t let an agent convince you that the best rate available is preferred.
Example: We were able to get a client who takes a blood pressure medication a preferred plus rate class with a certain carrier. Their blood pressure reading averaged 126/84.
Now, if you take a medication and your numbers are still a bit elevated, say 135/86, then you will most likely qualify for a preferred rate class.
If you take your exam and your blood pressure is high then you could come back below a preferred rate class. In fact, some carriers will decline you if your blood pressure is too high.
Finally, for those suffering from high blood pressure looking for life insurance with diabetes, you can qualify for a standard rate class (or better) with certain life insurance companies.
If you are curious what your price tag would be, simply enter your information and see what the price is for your age and gender based on the above rate class you believe you qualify for.
No Medical Exam Should Be Considered
If you have a family history of high blood pressure you might want to consider not taking an exam. See no exam life insurance versus taking an exam. If you are reading this article to think about what “might” happen if you have high blood pressure, the reality is you could be declined if your blood pressure is not under control.
We often will recommend that clients who have not taken a medical exam in a few years refrain from taking an exam for life insurance. Instead, we advise that he or she chooses no medical exam coverage. Once the policy is in force, then he or she can take an exam. At that point, they can decide whether to keep the no exam coverage or choose the fully underwritten policy. But the main point is, they avoided the risk of being declined or postponed due to high blood pressure.
What is the process?
No Medical Exam: If you have never been diagnosed with high blood pressure but it is a concern, consider a no medical exam policy. Many times the cost between the two policies will be small and a non-medical exam policy does not require a blood draw. High cholesterol and blood pressure are the most common reasons a policy comes back with a higher premium. If you are concerned about your blood work then paying a few additional dollars might very well save you money once your lab results come back. And a non-medical exam policy approval is fast with some approvals in 15 minutes.
Fully Underwritten: Fully underwritten life insurance requires a medical exam (we recommend you take your exam as soon as possible in the morning to get the best blood pressure readings). The examiner typically comes to your home and checks your height and weight and takes a small blood and urine sample. Your lab results are then processed. The carrier will request physician statements and look into your medical records. The carrier will also do a prescription database check to see what medications you are currently taking and have taken in the past. An underwriter will then assess your “risk” level and give you a rate class assigned to your specific risk.
Not all life insurance carriers underwrite blood pressure the same
The life insurance industry is just like every other industry out there. Competition is constantly driving insurance carriers to compete for your business. As a result, carriers take on “niches” in an effort to earn market share. It is important to know these niches and it is important for the agency you chose has the freedom to choose from multiple life insurance carriers. As a consumer, it is in your best interest to work with an agency that is not bound to any one carrier and will be able to shop your application to dozens of different companies available. Only by doing this can you ensure that you are getting the best policy tailored to your specific needs.
If your blood pressure is well-controlled, we’ve got the best company for you. If your only health issue is high blood pressure, but you’re struggling to control it, we’ll match you up with the company that will likely offer you underwriting credits. If you have more than one health or lifestyle issue, we will make sure we find the company that will give you the most affordable rates available.
Our service is free and there is no cost to apply for life insurance. Give us a call today at 904-203-1763 and we will shop the market to find the best rates available for you. Or you can request a free quote online here.