Let’s be honest, I know discussing life insurance isn’t exactly the most fun topic. It’s difficult to imagine yourself out of the picture, and your loved ones trying to move forward. Trying to surf through life insurance quotes, types of insurances, and insurance carriers. Add in current health problems or a negative health history, and finding the best life insurance rates can be tricky.
By itself, your high blood pressure shouldn’t prevent you from getting the quality and affordable life insurance you need.
Yes, high blood pressure readings can affect your life insurance premiums. You may not be assigned the best health class and get the very best rates. This condition could even threaten your eligibility for life insurance coverage, especially if you don’t manage it.
But most life insurance applicants with high blood pressure can still get covered by finding the right insurance company and by managing their condition.
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Best Life Insurance with High Blood Pressure
Every life insurance company has its own standard of acceptance their underwriters use. The same applicant with the same higher blood pressure levels could snag the Preferred rating class with one company and the Standard rate class with another.
For applicants with a history of high blood pressure, also known as hypertension, we recommend these companies first:
You can buy AIG insurance through an independent agent or on your own through AIG Direct. Either way, you should experience a nuanced underwriting process. The company is likely to consider your higher blood pressure readings in the context of your overall health and medical history.
Even if AIG coverage isn’t right for you, AIG Direct connects with other leading insurers such as Lincoln Financial, Prudential, and Transamerica, increasing your chances of finding quality coverage without the higher rates.
More and more often we find ourselves recommending coverage from Banner Life. It’s a modern insurer with flexible underwriting for people with medical conditions or deemed higher risk.
With John Hancock insurance you could score a Preferred rating even with a blood pressure range of 140/85. Then, once you’re approved, you can participate in the insurer’s Vitality program to get rewards if you lower your blood pressure readings.
Incentives include gift cards and discounts on online shopping.
Mutual of Omaha
Mutual of Omaha is usually open to a conversation about the applicant’s overall health rather than simply dismissing complex applicants with a denial or inflated premiums.
Pre-existing health conditions?
AIG Direct specializes in insuring people just like you. From high blood pressure to diabetes, AIG Direct has seen it all and since they have access to multiple companies, they can find you the absolute lowest rates! Click below to see if you qualify.
Quotes are quick, easy, and free!
Looking for a large policy despite your family history, medical records, or your own history of high blood pressure? Consider Protective Life which offers large term policies online.
You can also buy four different types of universal life insurance.
How High Blood Pressure Affects Life Insurance
Doctors call high blood pressure the silent killer because this condition damages your body slowly. Often, the damage is well underway before you know you have a medical condition. It leads to more severe problems such as heart failure, heart disease, and kidney failure.
That’s one reason life insurance medical exams include a blood pressure check. High blood pressure could lead to a stroke or a heart attack, which is according to the CDC, the largest cause of death in the United States.
But why do life insurers care about this? Because your premature death would cost them money. It’s not just high blood pressure. Any high-risk health condition, activity, or behavior can lead to higher premiums or a declined application.
Defining High Blood Pressure
The American Heart Association considers normal blood pressure 120/80 or lower.
The first number (120) is your systolic pressure (blood pressure while the heartbeats and pumping blood).
The last number (80) is your diastolic pressure (blood pressure rate