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 can affect your life insurance rates, BUT we will make sure you get the best rates possible if you do have high blood pressure.
How Does High Blood Pressure Affect Life Insurance Rates?
Life insurance companies are looking to see your medical history, what is the cause of your high blood pressure, the 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 tips" to ensure the best results from your paramed exam, you may end up paying more than you need to for life insurance.
Please note that not all life insurance companies will 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 rates if you otherwise qualify.....We work for you, not the life insurance companies!
High Blood Pressure Life Insurance Underwriting
This is what life insurance companies look for 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?
If you have high blood pressure, but take blood pressure medication that controlls your high blood pressure, there are some companies available that may offer you their very best rates provided you meet the rest of their 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 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" rate he thought he was getting is no longer available. If he stays with 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 cutoff of 140/90 for their best rates.
Company "C" has a 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 company is different. In this scenario, Company "A" allows blood pressure medication. Companies "B" and "C" do not offer their best 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 our own 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 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.
Thank you.
