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Qualifying for life insurance with High Blood Pressure or Hypertension.

When it comes time to helping someone who has been diagnosed with high blood pressure get amazing life insurance quotes, often it’s much easier for us at InsuranceBrokersUSA to know that they have already been diagnosed!

You see…

When we have an life insurance applicant who has already been diagnosed with hypertension, we already know what to expect, and we don’t have to worry about the client being newly diagnosed with hypertension during their medical exam for fully underwritten life insurance.

Additionally…

These diagnosed applicants will also “tend” more likely to be taking medications to lower their blood pressure and have a much better idea about their overall health since they’ve actually seen a doctor somewhat recently.

And guess what?

When it comes to taking medications to lower your blood pressure…

 “Those medications really work!”

Which is why you’re generally going to find that most life insurance companies will be willing to offer folks who have been diagnosed with high blood pressure a preferred, or in some cases preferred plus, rate (assuming that they now have their blood pressure under control with diet and/or medication and meet all other necessary requirements).

Now let’s compare this to the…

Presumably healthy individual who “believes” they’re in great shape, despite the fact that they haven’t actually seen a doctor or had a physical in years.  These are the “types” of clients who, after taking a life insurance medical exam have…

All sorts of surprises “POP UP”!

Surprises such as:

  • Elevated cholesterol levels.
  • Elevated blood sugar levels.

And you guessed it, elevated blood pressure levels, which are now either going to force this applicant to pay more for their insurance or may even potentially cause his/her application to be denied or postponed until which time they can get their blood pressure under control.

This is why…

We here at InsuranceBrokersUSA, love working with folks who have already been diagnosed with high blood pressure, because at least now, we already know what we’re working with!

What is high blood pressure and why do insurance companies care about it?

Hypertension or high blood pressure is a medical condition that will be diagnosed over 3 million times each and every year, and describes a condition in which the force of the blood against ones’ artery walls is too high.

If left “unchecked” or “untreated”, high blood pressure could result in a whole host of medical conditions many of which are very serious such as:

  • A Heart attack or stroke.
  • Aneurysms.
  • Heart failure.
  • Kidney disease.
  • Blindness.
  • Memory loss.

This is why life insurance companies are going to be very interested in knowing whether or not an insurance applicant has high blood pressure and if so, what are they doing to treat it.

Additionally…

Insurance companies are going to also want to know what “type” of high blood pressure or hypertension that you have.  You see, most individuals will be diagnosed with:

Primary (essential) hypertension.

Primary (essential) hypertension is the “type” of hypertension that one normally thinks of as a common medical condition one may acquire as they age.  It is the most common type of hypertension found in individual and tends to present itself slowly over many years.  And while there may be no single identifiable cause, people will generally look to ones’ diet of family history as a major contributor.

Secondary hypertension.

Secondary hypertension on the other hand is a term used to describe hypertension that is caused by a known underlying medical condition.  Secondary hypertension will often appear suddenly and can often cause higher blood pressure levels than primary hypertension.

Common causes of secondary hypertension may include:

  • Obstructive sleep apnea.
  • Kidney disease.
  • Adrenal gland tumors.
  • Congenital birth defects.
  • Reactions to certain prescription medications.
  • Drug and alcohol abuse.

This is why…

You’ll generally find that in your initial life insurance application, your agent may ask some of the following questions to determine what “type” of hypertension you have so that we can get a better idea if your hypertension is going to be an “issue” later on during the application process.

Common questions you’ll likely be asked:

  • How old are you?
  • What is your currently height and weight?
  • Are you taking any prescription medications now?
  • Do you have any pre-existing medical conditions?
  • Have you ever suffered from a heart attack, stroke, cancer or diabetes?
  • Do you use any tobacco or nicotine products?

From there, the insurance companies will generally have a pretty good idea about what “type” of hypertension that you have so they can now focus on either the “root” cause of your hypertension for those suffering from secondary hypertension or simply take a look at how “high” your hypertension is for those suffering from Primary hypertension.

With that being said…

If you suffer from secondary hypertension, we would recommend that you take a look at our list of pre-existing medical conditions and see if we have an article based on your specific condition.

Because, if you have a known, root cause, for your hypertension, in most cases, that root cause will be the primary factor in determining what “type” of life insurance you may or may not be eligible for as well as what “health class” you may or may not qualify for as well.

Now for those who simply suffer from…

Primary hypertension, there are certain guidelines that we can follow which will usually give us a pretty good idea about what “health class” you will be eligible for.

For example:

Preferred Plus:

In order 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.

Basically, 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 necessary 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 3 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 only qualify for what is called a “Table” rating.

Table rates, are health classes that folks can still qualify for if they can’t meet the minimum requirement to “earn” a standard rate.  These clients will generally be considered a “higher” risk applicant and will typically need to pay more for their insurance.

That being said however…

It’s quite possible that some insurance companies “Table Rates” are actually better than other companies “Standard” rates.   Which is why it’s so important to always chose to work with an insurance brokerage that is going to have access to dozens of different life insurance companies, offering fully underwritten, as well as simplified issue and guaranteed issue life insurance, so that when it comes time to comparing prices, you’re not just looking at one or two different options, you’re looking at dozens.

And that just what we do here at InsuranceBrokersUSA!

So, what are you waiting for?  Give us a call today and see what we can do for you!

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