Life Insurance with High Blood Pressure: Everything You Need to Know

Last Updated: November 13, 2023

If you’re seeking life insurance with high blood pressure, you might be worried about securing affordable life insurance rates. Fortunately, with some companies, you may still qualify for low rates.

Dozens of companies overlook preventative blood pressure medications, and certain life insurance providers have more lenient blood pressure guidelines compared to others.

This insider’s guide explains everything you need know about purchasing life insurance with high blood pressure, including approval guidelines and sample rates to estimate your policy’s cost.

Quick Article Guide:

  1. What is High Blood Pressure?
  2. What are the Different Ranges of Blood Pressure?
  3. What Types of Medication are Available?
  4. How Will Life Insurance Companies Look at High Blood Pressure?
  5. How Can I Best Prepare for My Life Insurance Application?
  6. How Much Should I Expect to Pay for My Life Insurance?
  7. What Goes Up, Must Come Down
  8. Will I Ever Be Eligible for Lower Rates?
  9. What This All Means

What is High Blood Pressure?

High blood pressure, or hypertension, results from blood flowing through blood vessels with too much force. This common condition affects nearly half of the American adult population, often undiagnosed. Regular blood pressure checks are recommended due to potential risks such as heart disease, kidney failure, or stroke.

Thankfully, various blood pressure medications with minimal side effects can control the condition. If you’re not on medication, choosing the right company can significantly impact your rates, as each insurer sets its guidelines. The next section outlines the different ranges of elevated blood pressure.

What are the Different Ranges of Blood Pressure?

Blood pressure is defined by two measurements: systolic and diastolic pressures. Systolic indicates blood pressure during the heart’s beats, while diastolic indicates pressure when the heart is at rest. Normal, elevated, and high blood pressure stages are categorically defined, including hypertensive crisis.

  • Normal: Systolic < 120, Diastolic < 80 (120/79 or less)
  • Elevated: Systolic 120-129, Diastolic < 80 (120-129/79 or less)
  • High Blood Pressure Stage 1: Systolic 130-139, Diastolic 80-89 (130-139/80-89)
  • High Blood Pressure Stage 2: Systolic ≥ 140, Diastolic ≥ 90 (140+/90+)
  • Hypertensive Crisis: Systolic > 180, Diastolic > 120 (seek immediate medical attention)

What Types of Medication are Available?

Blood pressure medications, or antihypertensives, come in various classes, including diuretics, beta-blockers, ACE inhibitors, angiotensin II receptor blockers, calcium channel blockers, alpha blockers, central agonists, peripheral adrenergic inhibitors, and vasodilators. Each class has its unique mechanism and considerations.

Class TypeBrand Name Examples
DiureticsBumex, Diuril, Hygroton, Lasix, Esidrix, Hydrodiuril, Microzide, Lozol, Mykrox, Zaroxolyn
Beta BlockersSectral, Tenormin, Zebeta, Ziac, Cartrol, Corgard, Inderal, Betapace
ACE InhibitorsQuinapril, Aceon, Capoten, Lotensin, Monopril, Prinivil, Zestril, Vasotec
Angiotensin II Receptor BlockersAtacand, Teveten, Avapro, Cozaar, Hyzaar, Benicar, Micardis, Diovan
Calcium Channel BlockersNorvasc, Cardizem, Tiazac, Dilacor, Taztia, Cardene, Procardia, Calan, Verelan
Alpha BlockersCardura, Baratol, Minipress, Hytrin
Central AgonistsCatapres, Kapvav, Intuniv, Tenex
VasodilatorsHydralazine, Minoxidil

How Will Life Insurance Companies Look at High Blood Pressure?

Every company assesses premiums differently for individuals with high blood pressure. While most offer low-cost options depending on other factors, some may overlook the condition if well-controlled with medication, potentially granting a low rate.

An applicant on medication maintaining normal blood pressure is more likely to secure a “preferred best” rate than someone not taking medication with elevated blood pressure. Factors considered include duration of high blood pressure, control effectiveness, medication use, blood pressure history, additional medical conditions, tobacco use, and family history.

How Can I Best Prepare for My Life Insurance Application?

Medical exams can be nerve-wracking, but preparation is key. Tips include maintaining a healthy diet, avoiding strenuous exercise 24 hours before, fasting before the exam, and staying hydrated. Regularly visiting your doctor, following their advice, and updating medical records enhance your chances of favorable rates.

How Much Should I Expect to Pay for My Life Insurance?

Life Insurance Quotes for a Male Non-Smoker – $500,000, 10-Year Level Term

AgePreferred Plus (BP = 140/85)Preferred (BP = 140/90)Regular Plus (BP = 152/92)Regular (BP = 156/94)
45$27.17$33.55$45.40$51.00
50$39.68$49.84$68.06$79.69
55$64.61$76.56$104.46$124.12
60$102.91$120.56$161.01$190.21
65$180.81$220.01$276.31$334.15
70$294.56$380.76$482.31$589.25

*Displayed monthly quotes are from “A” rated life insurance company and they are accurate as of 11/2023

Life Insurance Quotes for a Female Non-Smoker – $500,000, 10-Year Level Term

AgePreferred Plus (BP = 140/85)Preferred (BP = 146/90)Regular Plus (BP = 152/92)Regular (BP = 156/94)
45$23.58$29.09$37.75$41.51
50$32.69$41.82$54.91$60.07
55$49.42$60.61$78.81$87.32
60$72.34$90.46$114.58$128.57
65$113.71$134.11$178.26$214.02
70$197.09$235.87$294.48$372.78

*Displayed monthly quotes are from “A” rated life insurance company and they are accurate as of 11/2023

What Goes Up, Must Come Down

Blood pressure elevation can be reversed by adopting a healthier lifestyle. Tips for lowering blood pressure include dietary changes, exercise, stress management, and maintaining a healthy weight.

Will I Ever Be Eligible for Lower Rates?

After 12 months, a “reconsideration request” allows applicants with consistently lower blood pressure to apply for lower rates. Agents facilitate communication with the underwriter, proposing reconsideration based on improved health. If the current company denies the request, exploring other companies for the best premiums is an option.

What This All Means

If you have high blood pressure, don’t worry, affordable coverage is attainable. An independent agent can review your options and help match you with the best company for your needs and budget. We represent over 60 companies, and we’ve helped thousands of fmailies with life insurance needs. Call us today at 855-902-6494 or click on the form below for a free instant quote.

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One Response to “Life Insurance with High Blood Pressure: Everything You Need to Know”

  1. eric van haaften

    Excellent coverage on the subject of getting life insurance with high blood pressure. It is crazy that nearly 50% of all American are applying for life insurance with high blood pressure! As mentioned, getting great rates for life insurance with hypertension is normally not a problem assuming it is well controlled with medications.

    Reply

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