High blood pressure, also known as hypertension, exerts more pressure on the blood vessels than normal. If left untreated, high blood pressure is a major risk factor relating to heart disease. The arteries in the body can harden over time (known as artherosclerosis) and if hypertension goes without treatment, can lead to heart attacks or strokes.
Several life insurance companies will offer the best possible rates (the “Preferred Plus” risk classification) even with slightly elevated blood pressure levels, or with the use of blood pressure medication to control the condition. Every company has different guidelines in regards to what level of blood pressure or treatment they will allow as a maximum at a given risk class level (the risk class determines the premium).
Some companies will automatically disqualify you from the Preferred Plus/best rates just for taking a blood pressure prescription, even if the condition is well controlled. Other companies may consider 130/80 to be the maximum level for the best rates, while still others may be more flexible with readings closer to 140/85 still qualifying for the most favorable rates. There are several carriers that will still offer the best rates even with the use of one or more blood pressure medications.
Underwriters will look at the following questions when other risk factors are combined with high blood pressure:
- How long have you taken blood pressure medication?
- Have your readings improved over time? Diet and exercise habits?
- Are you being treated for high cholesterol?
- Are you overweight?
- Do you smoke?
- Have you had any heart problems?
- Is there any family history of heart disease before age 60?
- Are there any other medical risk factors?
When applying for most life insurance policies, you will be required to take a paramedical exam. You should attempt to take the exam first thing in the morning (either 7 or 8 AM if possible) with nothing to eat or drink for 12 hours before the exam. This will help provide your best readings to the insurance company for evaluation, which will help you qualify for the best available rates.
If you have or are being treated for high blood pressure and would like to find out what rates you can secure, please give us a call at 1-888-972-0024 or CLICK HERE to send us an e-mail 24 hours a day.