Life Insurance with High Blood Pressure - Lifeinsure.com (2024)

Purchasing affordable life insurance with high blood pressure can be challenging when you go it alone.

According to the Centers for Disease Control, high blood pressure is a relatively common medical issue that affects approximately 32% of American adults.

However, recently the American Heart Association (AHA) and the American College of Cardiology revised the current blood pressure guidelines. According to the new guidelines, an individual is considered to be hypertensive if their average blood pressure is 130/80 mmHg rather than the previous standard of 140/90 mmHg.

Easy Article Navigation

• Can You Get Life Insurance with High Blood Pressure?
• What Factors do Life Insurance Companies Look At?
• Life Insurance Company Blood Pressure Guidelines
• What about the Medications I’m Taking?
• Life Insurance Riders for High Blood Pressure
• Natural Ways to Lower Your Blood Pressure
• Frequently Asked Questions

This change raises the amount of U.S. adults affected to 46%, which is likely to affect life insurance rates for applicants in the future.

The National Institute of Health believes that the change in the hypertension guidelines will lead to improved health and lower the risks of stroke and heart disease.

Can You Get Life Insurance with High Blood Pressure?

High blood pressure, also commonly referred to as hypertension, is considered to be a silent disease since most people affected generally don’t have symptoms. In fact, you will likely discover you have blood pressure issues while seeing a physician for an unrelated matter or annual exam.

However, the downside to not having symptoms is that high blood pressure can be a symptom of a more dangerous underlying condition.

Studies have shown that individuals with high blood pressure have a higher risk of other conditions such asheart attack, cardiovascular disease, stroke, aneurysm, or even kidney failure, to name a few.

Whether an applicant canqualify for a life insurance policy with high blood pressure depends on five essential aspects about his or her medical history:

• If there are any other issues present like cardiovascular disease
• When you were first diagnosed with high blood pressure
• Whether you are managing your condition with prescribed medications
• Your weight
• Whether you have other risk factors like drinking alcohol or smoking
• Family history of cardiovascular disease

Generally, a person can qualify for life insurance coverage with high blood pressure as long as no other more serious health conditions are present in their medical history and if they can demonstrate they are following their physician’s advice for managing their blood pressure.

The rate you’ll be charged will depend on the health class that you’re being assigned after your underwriter has received and reviewed the information they require to properly calculate your risk to the insurance company.

What Factors Do Life Insurance Companies Look At?

Although medical underwriting guidelines vary from company to company, they all share a data collection process in order to evaluate your risk as far as medical conditions.

The data concerning any health issues you report on the life insurance application is typically gathered from five separate sources:

1. Physician reports – The underwriter will request a report from your doctor or specialist who is treating you for your high blood pressure and any underlying health conditions.
2. Hospital records – If you have been hospitalized for treatment of hypertension or any related conditions.
3. Life Insurance medical exam– A typical life insurance medical exam consists of weight and height measurements, blood pressure measurements, blood and urine sample, and questions about your health and the health of your immediate family.
4. Medical Information Bureau– An MIB report will be ordered to find out if you’ve applied for life insurance in the past and were either rated or denied coverage.
5. RX report – Your underwriter will order a report from a national prescription drug database to verify what meds you have been prescribed currently and in the past.

The rates you will qualify for will depend on whether you are Stage 1, Stage 2, or Crisis Stage.

Life Insurance Company Blood Pressure Guidelines

The blood pressure guidelines, although comparably similar, do vary by life insurance companies. Many providers allow for higher blood pressure readings for older individuals, around 60 or so.

The last time the AHA addressed the blood pressure guidelines was in 2003. Life insurance companies do not revise these guidelines too often. An examination of 10 comparable life insurance providers provides insight into the fact that these guidelines are the same as they were five years ago, especially for the Preferred Plus and Preferred rating classes.

With the new guidelines implemented, more U.S. adults will qualify for Preferred Plus and Preferred affordable rates. However, given the significant change to the new guideline provided by the AHA, it’s reasonable to believe that life insurance companies will tighten their own guidelines regarding hypertension because of the new consideration for systolic and diastolic levels.

Although insurance all insurance companies do not use the same health classifications, the rating classes that are common to almost all companies are:

• Super Preferred (Preferred Plus)– This is the best rating available. Blood pressure must be lower than 141 over 86 consistently. Some carriers will allow higher readings for seniors who are otherwise in excellent health.
• Preferred –For applicants to receive a preferred rating, their blood pressure must be at 145 over 90 or lower. Again, leeway is typically offered for seniors in otherwise excellent health.
• Standard Plus– A standard plus rate requires a blood pressure reading not higher than 152 over 92.
• Standard– To qualify for a standard rating, the applicant’s blood pressure must be less than 161 over 91.
• Table rating (1 – 16)– If an applicant cannot qualify for any of the above-mentioned rate classes and the insurance company is still willing to accept the risk; the company will offer a table rating that the applicant can accept or decline.

While the new guidelines provided by the AHA may have people wondering if they will need to beginblood pressuremedication, the reality is that it is too early to tell. The fact of the matter is that consistently elevated blood pressure is responsible for a substantial number of preventable heart and stroke disease-related deaths. Most are not aware that they have the condition because they may not notice any symptoms.

According to the authors of the newest guidelines, as described by the AHA news brief, only a small percentage more of U.S. adults will require hypertension medication. If you are already prescribed hypertension medication, or it is now recommended, do not spend too much time worrying about your life insurance rates.

Most life insurance providers allow for the use of hypertension medication for theirPreferred Plus and Preferred rating classmembers as long as there are no other underlying conditions present. You may still qualify for the lowest rates available if your blood pressure is optimally controlled with medication.

Primary Hypertension

If an applicant’s high blood pressure is listed as Primary (essential) hypertension, this means that no obvious cause is indicated. Primary Hypertension is the most common type of high blood pressure.

Secondary Hypertension

When secondary hypertension is diagnosed, this means that the elevated blood pressure is due to an underlying health condition such as kidney disease, sleep apnea, preeclampsia, thyroid problems, or certain prescription drugs that affect the patient’s blood pressure.

Almost everylife insurancecompany will allow the applicant to add various riders to their insurance policy to broaden coverage and add living benefits for the insured.

Since high blood pressure might be a pre-curser to a terminal, critical, or chronic illness, applicants should consider adding a Living Benefit rider. Having a living benefit rider on the policy provides for the insurance company to advance the insured a portion of the death benefit to help with medical expenses while you are alive.

This benefit is an advance of the death benefit and not a loan from the insurance company. Any amounts advanced to the insured will be deducted from the insurance settlement paid to the beneficiary.

Additionally, some living benefit riders will pay an advance on the death benefit if the insured becomes disabled and cannot work.

There are multiple ways that you can control or lower your blood pressure without the use of medications. The American Heart Association (AHA) recommends the following lifestyle changes:

1. Eat a well-balanced, low-sodium (salt) diet.
2. Limit alcohol consumption
3. Enjoy regular physical activity.
4. Manage and reduce stress
5. Maintain a healthy weight
6. Quit smoking

In addition to the above, further changes include increasing your potassium intake by adding bananas, salmon, and avocados. Focus on cardiovascular exercise to improve heart health. Reducing weight by 5% while maintaining daily exercise and a healthy diet will decrease your blood pressure by nearly 5-11 points (mmHg) on average. It is recommended that men consume no more than two alcoholic beverages a day and that women consume only one a day.

When applying for term life insurance, most providers will require an in-home medical examination. Part of thisexam includes recording the results of your blood pressurelevels taken three different times. The average of these three readings is then applied to their company’s guidelines. The following recommendations will assist you in obtaining your lowest possible blood pressure measurements:

• Do not perform any strenuous activity for at least 24 hours before the exam.
• Abstain from alcohol consumption for at least 24 hours before the exam
• Limit caffeine intake 24 hours prior to the exam, with absolutely NO caffeine for at least 8 hours before the exam.
• Remain calm during the exam by focusing on slowing your breaths

If you remain nervous about the exam, even after following the recommendations, request that your blood pressure is taken at the end of the exam when you are most likely to be relaxed. Even if your blood pressure readings return higher than normal, your agent, physician, and life insurance provider can work together to potentially improve your class rating.

Although many life insurance companies that offer affordable term life insurance will accept an applicant with high blood pressure, there are other types of policies you may want to consider:

Universal Life Insurance

Universal life insuranceis a type of permanent life insurance policy that offers both a death benefit and a savings component. It combines elements of whole life insurance with the flexibility of adjustable premiums and potential cash value growth.

With universal life insurance, a portion of the premium payments goes towards the cost of insurance coverage, while the remaining amount is invested in a cash value account. The cash value earns interest, typically at a rate set by the insurance company, and grows over time.

Although Universal Life Insurance (UL) costs somewhat more than term life insurance, you will benefit by having a cash value component attached to the policy. Many insurance companies are willing to offer affordable coverage to applicants with high blood pressure as long as their blood pressure is appropriately managed and stable.

Final Expense Whole Life Insurance

If you are older than age 50 and primarily concerned about covering your final expenses rather than leaving them to surviving loved ones,a final expense policywill be a good choice because the insurance company will not require a medical exam and most have liberal medical underwriting guidelines.

Whole Life Insurance also provides permanent insurance coverage that cannot be canceled as long as premiums are paid. Whole life insurance premiums cannot be increased once the policy is issued and the cash value account can be easily accessed via policy loans or cash withdrawals.

Guaranteed Issue Whole Life Insurance

Guaranteed issue whole lifeinsurance is a type of life insurance policy that guarantees coverage without requiring a medical exam or health questionnaire. It is designed to provide life insurance to individuals who may have difficulty obtaining traditional life insurance due to pre-existing health conditions or other factors.

With guaranteed issue whole life insurance, applicants are typically accepted for coverage regardless of their health status, age, or other risk factors. This means that even individuals with serious medical conditions or a history of health issues can qualify for this type of policy.

The coverage provided by guaranteed issue whole life insurance is typically permanent, meaning it lasts for the insured person’s entire life as long as the premiums are paid. The death benefit, which is the amount paid out to beneficiaries upon the insured person’s death, is usually a fixed amount determined by the insurance company.

Since your life insurance rates will never be cheaper than what they are today and you can get a free and confidential quote online, there’s no better time to start shopping for your life insurance policy.

As an independent insurance brokerage, LifeInsure.com represents many of the top-rated life insurance companies. Our insurance professionals are trained to help you find the best life insurance solution to meet your circ*mstances and your budget.

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