Life Insurance with High Blood Pressure.
In this article, we wanted to take a moment to answer some of the most common questions we get from folks applying for life insurance after they have been diagnosed with high blood pressure or hypertension.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been diagnosed with high blood pressure or hypertension?
- Why do life insurance companies care if I’ve been diagnosed with high blood pressure or hypertension?
- What kind of information will the insurance companies ask me or be interested in?
- What rate (or price) can I qualify for?
- What can I do to help ensure that I get the “best life insurance” for me?
So, without further ado, let’ dive right in!
Can I qualify for life insurance after I’ve been diagnosed with a high blood pressure or hypertension?
Yes, individuals who have been diagnosed with high blood pressure can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, they may even be able to qualify for a Preferred rate which is why we’ll often recommend that these folks also look at what kind of No Medical Exam Life Insurance Policies that might be available to them so that they can “potentially” speed up the application process and hopefully avoid needing to have to submit a blood and urine sample.
Why do life insurance companies care if I’ve been diagnosed with high blood pressure or hypertension?
While it’s safe to say that most life insurance companies aren’t going to be too concerned about the fact that an individual has been diagnosed with hypertension after all it’s estimated that nearly 75 million adults in the United States suffer from this condition, that doesn’t mean that they are going to “care” about it at all.
There are a lot of ways one can lower their blood pressure levels once they have been diagnosed with hypertension which is why for the most part insurance companies are much less concerned about the individual who has been diagnosed with high blood pressure and it actively trying to do something about it than the individual who hasn’t seen their doctor in over a decade and has no idea that their blood pressure levels are sky high!
That said however…
Because there are some pretty serious consequences that can arise from suffering from uncontrolled hypertension, including:
- Suffering from a heart attack or stroke,
- Developing and aneurysm,
- Potential heart failure,
- Kidney disease,
Which is why…
Before being approved for a traditional term or whole life insurance policy, you can expect that you will be asked some questions about your hypertension diagnosis and a few questions about how “serious” your condition might be.
What kind of information will the insurance companies ask me or be interested in?
Common questions you’ll likely be asked may include:
- When were you first diagnosed with hypertension?
- Who diagnosed your hypertension? A general practitioner or a cardiologist?
- What symptoms (if any) led to your diagnosis?
- How are you treating/managing your hypertension?
- Prescription medications?
- Diet and/or exercise?
- Have any of your medication (if tanking any) changed in the past 12 months?
- Have you been diagnosed with any other pre-existing medical conditions?
- Have you ever been diagnosed with heart disease, diabetes or cancer?
- Have you ever suffered from a heart attack or stroke?
- Have any of your immediate family members (mother, father, brother or sister) ever been diagnosed with heart disease, diabetes or cancer? Have any of them ever suffered from a heart attack or stroke?
- Have you been hospitalized for any reason with the past two years?
- Have you used any tobacco or nicotine products in that past 12 months?
- What are your current height and weight?
- Are you currently working know?
- In the past 12 months, have you applied for or received any kind of disability benefits?
Now at this point…
We usually like to take a moment and remind folks that nobody here at IBUSA has any “official” medical training, and we’re certainly not doctors. All we are is a bunch of life insurance agents who just happen to be really good at helping folks with pre-existing medical conditions like this one, find and qualify for the life insurance coverage that they are looking for.
Not so great if you’re looking for answers to any specific medical questions. In cases like these, we would recommend that you contact a true medical professional who has the training to help. For everyone else, you’re in luck because now we’re going to get into some of the “nitty-gritty” about what you may or may not be able to qualify for.
What rate (or price) can I qualify for?
When it comes time to helping someone who has been diagnosed with hypertension, there essentially two categories, one can “fall into.” Some will have their hypertension under control and well managed, and there will be those who don’t!
For those that…
Have their blood pressure levels under control, what you’ll typically find is that most life insurance companies will be willing to consider someone like this “potentially” eligible for a Preferred rate provide that they would be able to meet all the remaining requirement for such a rate.
For an individual to qualify for a preferred plus rate class with most life insurance companies, they’ll need to have their blood pressure fall under 140/90 and not be on any prescription blood pressure medications.
These are individuals who haven’t been diagnosed with high blood pressure and are probably maintaining a healthy balance of diet and exercise to maintain healthy blood pressure values. Good for them!
Preferred health class.
When it comes to qualifying for a preferred rating, you’ll generally find that as long as you are under 140/90 with help from medications or 150/90 without medication, you should “theoretically” be eligible for a Preferred rate assuming that you’ll meet all the other requirements.
Standard health class.
To qualify for a standard rate while taking medications to control your blood pressure, your blood pressure should not exceed 150/90. That being said, however, older clients in their 50’s and 60’s may be given a bit of leniency with regards to these values provided that everything else in their medical records looks good.
Not confused yet? Well let’s see if this does the trick….
So far, in our discussion, we’ve only mentioned three different “health classes,” but in truth, there are about 14 different ones without even going into “tobacco” rated life insurance policies.
Which is actually a good thing…
Because if your blood pressure doesn’t meet one of the requirements above, that does not necessarily mean that you won’t be eligible for coverage, it just means that you’ll probably be classified as a “high risk” applicant.
The end of the world, it just going to mean that these folks will need to be much more “selective” with which life insurance companies they choose to apply with because they are going to want to stick with companies that tend to be more “forgiving” in their pricing when it comes to folks who can’t qualify for a Standard or Better rate!
This brings us to the last topic that we wanted to take a moment to discuss here today…
What can I do to help ensure that I get the “best life insurance” for me?
In our experience here at IBUSA, what we have found that usually, the folks who seem to find the “best” life insurance policy for them are those that:
- Take their time reviewing their options.
- Ask a lot of questions.
And seek out those life insurance agents who not only have experience working with individuals who have been diagnosed with a wide variety of pre-existing medical conditions but also have access to dozens of different life insurance companies so that when it comes time to helping a more “challenging” case, they don’t have to rely on a…
“One size fits all approach!”
The good news is that this is exactly what you’re going to find here at IBUSA!