Life Insurance with High Blood Pressure
If you are looking to get a life insurance with high blood pressure, this blog post will discuss what your options are for getting approved for life insurance. I will also discuss what type of health rating you can expect to get. Before discussing the type of health rating you can expect to get, I will provide a brief overview of the health ratings that insurance companies issue. This will provide a better understanding of how life insurance companies rate individuals for life insurance.
Life Insurance Health Ratings
Life insurance ratings can be divided into two categories. There are standard ratings, and then there are “rated” categories. So let’s break it down: For most people who are not dealing with a pre-existing health condition, they will fall into one of four health ratings.
Non Smokers will fall into:
Preferred Plus Non Tobacco
Preferred Non Tobacco
Standard Plus Non Tobacco
Standard Non Tobacco.
Smokers who don’t have pre-existing health conditions are limited to 2 health ratings:
A better health rating will result in you getting a cheaper price for life insurance with high blood pressure.
The second category of health ratings that you might get if you have a pre-existing health condition would be getting a “rated” policy. When you don’t qualify for Standard Non Tobacco, or Standard Tobacco for Smokers because of a pre-existing condition, you might get a “rated” health rating.
Rated Health Ratings range from a Table A-J. The higher the letter, the higher the price will be for your life insurance policy. Some examples of the types of conditions that might lead to a rated health rating might be Diabetes, Multiple Sclerosis, Crohn’s Disease, etc.
Now that you have a better understanding of life insurance health ratings, let’s get back to discussing life insurance with high blood pressure.
What Kind of health rating can I expect for Life Insurance with High Blood Pressure?
If your blood pressure is well controlled with medication then you should not get a rated policy – that means that you can even get a Preferred Plus health rating.
If you blood pressure is only moderately controlled with medication then you can expect to get a health rating of between table A-C.
With poorly controlled blood pressure you can expect to get anywhere from a table D rating and higher, or possible even a decline.
The key to having your high blood pressure not affect the price of your life insurance policy is having your blood pressure well controlled with treatment – typically medication.
Tips for Life Insurance with High Blood Pressure
Life Insurance companies like to see that your blood pressure reading has been stable over the past year,and that you are also controlling your high blood pressure with medication. Some life insurance companies will restrict you from getting the best rates for life insurance if you are taking medication.
If you do have high blood pressure and are looking to get life insurance quotes, fill out our quote form below or on our homepage and we can help you get affordable life insurance rates for life insurance with high blood pressure.
Author: Liran Hirschkorn