The Ultimate Guide to the Best Rates Available (2018)
Looking for life insurance with high blood pressure? Obviously, otherwise you don’t really have a reason to be reading this blog post.
The good news? We are here to do more than help. We are here to provide you all the information needed to obtain the absolute cheapest prices for life insurance with high blood pressure.
The funny part? Life insurance with high blood pressure is not all that difficult. You probably have even put if off for months or even years scared you would be declined or pay prices through the roof for the life insurance? WRONG.
Life insurance with high blood pressure is easy to navigate. Especially for an independent life insurance agency such as ourselves. We literally handle thousands of these cases.
So, what’s the catch? There isn’t one. If you want to use the information to navigate the life insurance market for yourself, we are happy to help. If you want the information just for pre-planning your life insurance search, we have you covered. We simply just want to illustrate the best methods to obtaining life insurance with high blood pressure.
The things to do and not to do. The carriers to work with and the ones to avoid. The things to take seriously and the things not to fret because we are to help, inform and serve as your life insurance agency if you choose to do so.
Let’s jump into it and cover some of the basics!
What is High Blood Pressure?
High blood pressure is when the blood pressure or “force” of the blood against the blood vessels is too high consistently. High blood pressure is also known as hypertension.
You have 2 key readings for blood pressure readings.
1st– You have what’s known as systolic blood pressure. This is when the blood pumps out of the heart and travels to other major organs and arteries throughout the circulatory system.
2nd– You have diastolic blood pressure- This is the measure of when the heart rest between beats. Combine these two numbers together, and you have your common blood pressure reading.
Why do these Matter? Why do Life Insurance Carriers Care So Much?
Simply put, high blood pressure without proper treatment can cause many other issues besides higher premiums on your life insurance.
Not only does the life insurance need to care about your readings, but you need to care as well. Many negative consequences can come from high blood pressure not treated properly.
Here’s a list of the top 10 issues that arise from high blood pressure.
Kidney disease or failure
PAD (Peripheral Artery Disease)
Angina (Chest Pain)
Why are you suffering from High Blood Pressure? What Caused It?
High blood pressure can be caused by several factors. We know you already know this and are here to simply see how It affects life insurance rates, but we wanted to cover it briefly for the few that may be curious.
So, what are the major causes of high blood pressure?
Overweight or Obesity
Lack of physical activity
High Sodium Intake
Chronic Kidney Disease
What’s your current Blood Pressure? What’s Normal?
Here’s the ranges of what you should be striving for. If you’re not, here’s a glance at how close you are at possibly needing to head to the doctor for some new medication.
Normal Blood Pressure- Less than 120/ 80
Elevated High Blood Pressure- 120-129/ Under 80
Stage 1- High Blood Pressure- 130-140/80-90
Stage 2- High Blood Pressure- 140 plus/ 90 plus
Hypertension- 180 plus / 120 plus
What can you do to take control of High Blood Pressure?
I think most of you know the answer to this but in case you didn’t. Here it is.
Follow Doctors Recommendations
Eat less Sodium- That’s right- No more Ramen Noodle seasoning packets
Take the correct medication to control the symptoms
Monitor and stay ahead of the condition
Follow a strong exercise regimen.
Reduce Stress (If that’s even a real possibility or something that can be done)
Quit smoking or reduce the amount of smoking
Alright, now it’s time for the meat and potatoes of the article before you lose your mind reading information you most likely already know.
What do the Life Insurance Carriers Want to See?
When it comes to life insurance with high blood pressure, one of the biggest questions we get daily is the following
What are the insurance carriers looking for?
How do I get the best possible rates?
The answer we are going to provide may seem a little lengthy but it’s quite simple.
First and foremost, the life insurance carriers and underwriting departments want to see that it’s under control. Sometimes life insurance with high blood pressure doesn’t have an impact at all on your overall rates..
Stay with us here….
Here’s the biggest tips and information that shows exactly that.
Have diligent follow up with your doctor
Follow your doctor’s instructions to the exact instructions
Take the prescribed medications that the doctor recommends
What other questions will we have for you?
Another common question we get about obtaining life insurance with high blood pressure is regarding the questions we need to ask? What does the agent and insurance carrier really need to know?
Here’s a quick look into what we will ask you. PRO TIP- If these questions aren’t asked, be prepared to get a rate that you aren’t expecting because without us knowing the information, it’s impossible to quote you accurately or to submit a clean life insurance application.
When was your high blood pressure diagnosed?
Is it currently controlled? What was your last blood pressure reading? What do you expect it would be on the medical exam for the life insurance?
Do you follow your doctors instructions diligently?
How many medications does it take to control the high blood pressure?
Any recent changes to the medication prescribed? Are the medications working?
Are you currently a smoker?
Do you have any other health impairments in addition to your high blood pressure?
Of course, these are not the only questions we ask but these would summarize most of the questions we would have regarding JUST THE HIGH BLOOD PRESSURE. It’s extremely important to be upfront and tell us accurate answers. Without the correct answers, we can’t give you the correct rates and everyone loses.
Do you ever wonder what we are doing on our end when we ask you these sensitive questions? Well, first thing we are doing is using just our knowledge of the industry to begin determining which life insurance carrier may be your best fit.
Following that, we are most likely double checking underwriting guidelines for you to make sure we place you in the correct spot to achieve the lowest possible rates with high blood pressure. Speaking of that, who is the best life insurance carrier if you have high blood pressure?
Let’s look at the following charts.
After looking at the information. You can see that a few factors need to be considered first.
Factors such as…
What is your current age?
How many medications are you taking for the high blood pressure?
Any other symptoms or conditions besides the high blood pressure?
Are you looking for term or permanent insurance (permanent insurance is more lenient on underwriting with most companies)? PRO TIP- It’s also more expensive and the agents make more money off the commissions. Don’t be talked into permanent insurance unless you have covered all avenues and possibilities. Term or Universal Life will most likely serve you the best and have the best rates.
The first thing we want to look for is if “PREFERRED BEST” rates are possible. This is the best life insurance rating you can achieve. Looking at our handy guide of all carriers we can see that the following offer preferred best. PRO TIP- please don’t forget that all rates are based on having no other issues. We are strictly covering high blood pressure life insurance. We are not discussing other medical conditions in this article. If you need to see other health conditions, please visit are other medical conditions we frequently help with below.
So which companies are offering preferred best with high blood pressure? Here’s a list.
Lincoln Financial Group
Mutual of Omaha
American National (ANICO)
American General Insurance (AIG)
All these life insurance carriers will give you the chance at preferred best rates with high blood pressure? What do we need to examine next? Well that’s easy. We want the path of least resistance and the lowest rates.
So, who allows the blood pressure to be elevated higher than other carriers and offers preferred best. This will narrow down are search even further.
Principal and Protective Life Insurance offer the most lenient view of these underwriting guidelines. Protective life will even allow your blood pressure to be 150/90 if your age 71 or over. Both carriers make it the easiest to achieve the best rates.
You must be careful not to choose the wrong life insurance carrier. It could cause you a large financial loss over the course of the 30 years when it comes to paying the life insurance premiums.
Example Case 1
Don’t Choose the Wrong the Company or Agent
Let’s assume your 44 years old. You are a non-smoker and meet the criteria for a preferred plus rating. You do however have high blood pressure. Your readings on your medical exam revealed 134/78 as your average blood pressure reading.
You can now qualify for preferred plus with several carriers. You chose Lincoln Financial Group because everyone knows them, and the agent recommend them. The product is known as the Life Elements 30 Year Term. Great product but not in this situation. Not if you qualify for preferred plus.
Your Monthly Premium with Lincoln Financial Group?
$ 69.34 per month over 30 years
What did you pass up to take that offer?
Protective Life Insurance Company- They offer the same preferred plus rating with that blood pressure reading but for $ 42.51 per month.
Both companies are extremely reputable, great pricing but the agent needs to understand when certain carriers make more sense than others. This mess up would have cost you,
65.71 Per Month – 42.51 Per Month = 23.20 per month savings
23.20 x 12 Months x 30 Years- $8280.00 Savings over the life of the policy.
That’s a huge deal if you ask me.
All the same for less money. That’s what we all want isn’t it?
Other Pro Tips for the Best Life Insurance Rates with High Blood Pressure
Here’s a few additional tips to obtaining the best life insurance rates while having high blood pressure.
Step 1- Explain everything to your life insurance agent.
Step 2- Have patience and transparency about the condition and the questions asked
Step 3- PREPARE and don’t take the medical exam for granted.
You can ACE your exam by taking a few extra steps to make sure the results look good. At the end of the day, that’s a huge factor.
Avoid Caffeine before your medical exam
Get a good night rest before the exam
Don’t stress over the exam- Stress raises blood pressure 😊
Obtaining life insurance with high blood pressure is not all that difficult. In fact, you can achieve the same rates a marathon runner with no issues can achieve. It’s more important to understand that the agent and life insurance carrier selection are of upmost importance.
In addition, your diligence with your doctor, medications and transparency with your life insurance agent are on YOU. If you do your part, we promise to do ours and get you the best possible rates. Don’t stress over the rates and realize that you could be paying way less than you have been thinking you would be paying. Call Good Life Protection today for a free/ no obligation quote or fill out the quote form to the right.
Did we miss anything regarding life insurance with high blood pressure? Have any positive or negative experiences with obtaining life insurance with high blood pressure? Comment below. We would love to hear from you.