Do you have hypertension and need life insurance? We can help. Hypertension is a common underwriting issue.
You can get competitive term life insurance rates if you know which life insurance companies to go to.
We can help you get the life insurance you need at the most competitive rates!
Hypertension Overview:
Hypertension, also referred to as high blood pressure puts excess pressure on the blood vessel walls of your circulatory system. If left unchecked, uncontrolled hypertension can shorten your life significantly.
Hypertension affects your heart. Hypertension can contribute to heart disease, can harden your arteries over time, a condition called atherosclerosis.
Hypertension can affect your eyesight, further hardening blood vessels that will affect your eyesight.
Hypertension can affect your brain. The affects of artery hardening over time can contribute to a stroke.
Hypertension can affect the circulation in your kidneys.
Hypertension can affect your life insurance rates, BUT we will make sure you get the best rates possible if you do have hypertension.
How Does Hypertension Affect Life Insurance Rates?
Life insurance companies are looking to see your medical history, what is the cause of your hypertension, the medications you take to control your hypertension, how long you have been on medications, the steps you have taken to improve your health and lower your blood pressure.
If you apply to the wrong company, or don't follow our "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 companies will treat hypertension favorably. We know which companies to go to based on your specific circumstances.
Hypertension 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 hypertension?
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Do you take medication for hypertension? 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?
Life insurance companies want to know what the problem is, what steps were taken to correct the problem, and what steps are being taken to prevent future problems.
How Much Will Life Insurance Cost Me if I have
hypertension?
The answer depends on the above, but here are some general guidelines:
If you have hypertension, but take blood pressure medication that controlls your hypertension, there are some companies available that will offer you their very best rates.
We know which companies will give you the best rates and will get you to the best life insurance company based on your medical information.
PLEASE NOTE - EACH LIFE INSURANCE COMPANY HAS ITS OWN SET OF UNDERWRITING GUIDELINES. EACH COMPANY HAS DIFFERENT RULES DEPENDING ON THE ABOVE.
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.
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 company or you will pay more than you need to for life insurance!
We use the Compulife© database for tracking life insurance rates. Compulife tracks the rates of 100+ life insurance companies.
We maintain our own database of the underwriting guidelines for each 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 companies and their underwriting niche. We'll tell you which 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.
Call us today at Toll Free (800) 909-2040.
Thank you.
