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Get a FREE High Blood Pressure
Life Insurance Quote Today!
Can You Get Term Life Insurance with High Blood Pressure??
YES! We help people with high blood pressure get term life insurance all the time....Even if you take blood pressure medication!
It doesn't matter if you take high blood pressure medication or not. We have life insurance companies that will offer you competitive life insurance rates either way whether you need term life insurance, universal life insurance or whole life insurance.
LifeInsuranceAdvisors is the expert when it comes to helping you get term life insurance if you have high blood pressure history.
High blood pressure is a common life insurance underwriting issue we work with on a regular basis.
Life insurance companies vary in their underwriting treatment of high blood pressure and the use of blood pressure medication.
Some life insurance companies are aggressive with life insurance underwriting and do not care about blood pressure medication, while other life insurance companies will penalize you if you take blood pressure medication.
The key is getting to the right life insurance company based on your specific blood pressure history.
If you have other health issues such as heart attack history, heart bypass history, angioplasty, etc...we will need to look at that medical history as well in order to provide you with accurate life insurance quotes.
High Blood Pressure Overview:
High blood pressure, also referred to as hypertension puts excess pressure on the blood vessel walls of your circulatory system. If left unchecked, uncontrolled high blood pressure can shorten your life significantly.
High blood pressure affects your heart. High blood pressure can contribute to heart disease, can harden your arteries over time, a condition called atherosclerosis.
High blood pressure can affect your eyesight, further hardening blood vessels that will affect your eyesight.
High blood pressure can affect your brain. The affects of artery hardening over time can contribute to a stroke.
High blood pressure can affect the circulation in your kidneys.
High blood pressure may affect your term life insurance rates...BUT we will work with you to ensure you get the best life insurance rates possible based on your blood pressure history.
How Does High Blood Pressure Affect Life Insurance Rates?
Life insurance companies are looking at your medical history, the cause of your high blood pressure, the blood pressure medications you take to control your high blood pressure, how long you have been on blood pressure medications, the steps you have taken to improve your health and lower your blood pressure.
If you apply to the wrong life insurance company, or don't follow our "paramed exam tips" you will pay more than you need to for term life insurance.
Who wants to do that, right?
Not all life insurance companies treat high blood pressure favorably. Some life insurance companies will penalize you for taking blood pressure medication even if you have great blood pressure control.
We'll get you to the life insurance companies that will offer you the best life insurance rates if you otherwise qualify.....We work for you, not the life insurance companies!
High Blood Pressure Life Insurance Underwriting
Life insurance companies look for the following when underwriting high blood pressure:
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How old were you when diagnosed with high blood pressure?
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Do you take medication for high blood pressure? If yes, what do you take and what dosage?
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How long have you been taking blood pressure medication?
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Is your blood pressure controlled on the medication?
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Have you taken positive steps to improve your blood pressure?
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Do you smoke?
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Have you had any heart problems?
What Should Blood Pressure Readings for Life Insurance Be?
Each life insurance company has its own set of underwriting guidelines.
- Some life insurance companies will offer you their best life insurance rates if you take blood pressure medication, while other life insurance companies will penalize you for taking blood pressure medication.
- Some life insurance companies have age cutoffs for blood pressure, allowing older insureds to have higher blood pressure readings and still qualify for the best rates.
- Each life insurance company is different. Sample blood pressure limits for the best rate classes are 130/80, 135/85, 140/85, 140/90, etc..
- We'll tell you which life insurance company is best for you based on your blood pressure history.
How Much Will Life Insurance Cost Me if I have High Blood Pressure?
Life Insurance Quote Request
If you have high blood pressure, but take blood pressure medication that controls your high blood pressure, there are some life insurance companies available that may offer you their very best life insurance rates provided you meet the rest of their life insurance underwriting guidelines.
We know which life insurance companies will give you the best rates and will get you to the best life insurance company based on your medical information.
Take a look at this example:
45 year old male, in excellent health, does not take any medications. The only issue is that his blood pressure tends to run in the 140/80 range. How will he be treated for underwriting purposes?
Company "A" has a cutoff of 130/80 based on his age. What happens? - The preferred best life insurance rate he thought he was getting is no longer available.
If he stays with life insurance company "A", he will pay 20% more for their preferred rate than if he looks at other life insurance companies that are ok with 140/80.
Company "B" on the other hand has a more liberal blood pressure cutoff of 140/90 for their best life insurance rates.
Company "C" has a blood pressure cutoff of 140/85.
Take this example one step further. This person decides to go on blood pressure medication. A few months later, his blood pressure readings are consistently 130/80.
Well it would seem that he can now pick company A, B, or C, right? WRONG!
Each life insurance company is different. In this scenario, Company "A" allows blood pressure medication. Companies "B" and "C" do not offer their best life insurance rates if you take blood pressure medication.
You have to get to the right life insurance company or you will pay more than you need to for life insurance!
We maintain a database of the life insurance underwriting guidelines for each life insurance company that we work with. What we simply do is match you up to the most competitive company based on your specific medical information.
We know the life insurance companies and their underwriting niche. We'll tell you which life insurance company is best for you.
At LifeInsuranceAdvisors.com, our life insurance service is a no pressure, no obligation service. We'll give you the information you need to make an informed decision about your life insurance.
Please take a few moments to complete our
Life Insurance Quote Request
or give us a call today at Toll Free (800) 909-2040.
Thank you.
If You have health issues, it is important that we know about those health issues in order to provide you with the most accurate term life insurance quotes possible. You will find more information here about health issues such as:
Alcohol Related, Angioplasty, Asthma, Bipolar, Blood Pressure, Build, Cancer, Crohn's, Depression, Diabetes, Family History, Heart Disease, Hepatitis, Liver Enzymes, Melanoma, Sleep Apnea, Tobacco Use, Ulcerative Colitis, and many more Impaired Risk Life Insurance topics. |
Questions to Consider:
Can I get the best rates if I take blood pressure medication?
Yes, if you go to the right company.
I used to take blood pressure medication but no longer need to. How does this affect my rates?
It will depend on the amount of time since you took medication.
What foods affect my blood pressure readings?
We'll tell you what to avoid before your exam!
Which companies are the most liberal if I have high blood pressure?
We know and so will you before you take an exam!
How many blood pressure readings will the examiner take?
Typically 3 readings.
I get nervous with exams, what happens if my blood pressure is high during exam?
Tell the examiner. They are trained to help you relax to ensure the best results.
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