As a life insurance agent, I often have to tell clients they have some medical issue that we found in the life insurance exam and they were not aware of it. Many times people have conditions that they are unaware of that we detect for the first time.
Often referred to as ‘the silent killer’, high blood pressure affects 40% of adults over age 25. Today is World Health Day, sponsored by the World Health Organization, and this year’s theme is High Blood Pressure.
For millions of americans, untreated and uncontrolled high blood pressure will cause heart attacks, strokes, chronic heart and kidney disease – and ALL of it is preventable. Despite high blood pressure being a very treatable condition to control, it has grown from affecting 600 Million people globally in 1980, to 1 Billion people today. Here are some things you can do to spread awareness and possibly help save the lives of loved ones.
Tips for Lowering High Blood Pressure:
- Quit smoking
- Use less salt
- Eat a balanced diet and exercise
- And if lifestyle changes don’t help, medication can help
- Make sure your friends and family get annual physicals.
High Blood Pressure Can Increase Life Insurance Costs
Not only is high blood pressure bad for your health, it’s also bad for your wallet. When it comes to life insurance, high blood pressure can lead to higher life insurance costs. Controlling high blood pressure with lifestyle changes or medication can lead to savings on your life insurance policy. Here are some general guidelines to what life insurance companies look for when it comes to your blood pressure:
High Blood Pressure Guidelines for Life Insurance
Life insurance companies break up guidelines for blood pressure based on age. What that means is that they will generally allow for a bit higher reading the older you are, and still allow you to qualify for the best life insurance rates.
If you are under 50 and want to qualify for the best rates you can have a blood pressure up to 135/80.
At over age 65, life insurance companies will give you a bit more leeway, and you can qualify for the best rates with a blood pressure of 145/90.
What if I Take High Blood Pressure Medication?
Taking medication will not penalize you in the eyes of life insurance companies. In fact, by taking medication and lowering your blood pressure, you will qualify for better rates, and can still qualify for the best life insurance rates.