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High blood pressure can be a major hindrance to receiving life insurance coverage and good rates. When you’re searching for a policy, it’s important to understand the issues you’ll face and the questions you should ask. By doing that, you may find that the perfect policy is one that fits your budget and is identical to the coverage you desire.
What does “High Blood Pressure” mean?
High blood pressure, sometimes called hypertension, is when the pressure of the blood against your artery walls is consistently high. The American Heart Association recommends that adults maintain a systolic pressure below 120mmHG and a diastolic pressure below 80 mmHG. Many adults, however, have a systolic pressure above 140mmHG and a diastolic pressure above 90 mmHG. Uncontrolled high blood pressure can be a sign of a serious health condition, like chronic kidney disease, so it’s important to get it under control.
What Affects My Life Insurance Premium Rates?
Your life insurance premium, and whether you’re eligible for coverage, are based on a range of factors. In addition to age, height, weight, and your family’s health history, premiums typically take into account your current state of health. This includes whether you’re a smoker and your cholesterol levels, as well as your blood pressure.
What are the Considerations for People with High Blood Pressure?
If your blood pressure falls into the high category, you may need to look for policies that allow for a higher risk factor. Life insurance companies may offer special policies for people who have high blood pressure or other conditions that make them a higher risk. They also assess your present health and family history to determine if you’re eligible for coverage.
It’s important to understand that once you’re insured, you need to tell the provider if any important health variables change. If you’re diagnosed with a new condition, you must tell the provider. Significant changes in your height, weight, or blood pressure can also affect your policy rates.
Questions to Ask When Shopping for Life Insurance
If you have high blood pressure and need a life insurance policy that can accommodate your needs, there are several things you need to consider when you’re shopping for coverage.
- Will my health condition be a factor in acceptance or premium rates?
- Can I qualify for regular coverage despite my blood pressure?
- What extra charges are involved if I need specialized coverage?
- Does the policy cover heart attack and stroke?
- If something changes in my medical history will the policy become invalid?
- Will the company inform me of changes or updates to the policy?
- Do I need to disclose any of my family’s medical history when applying?
- Do I need to tell the company if any of my medications are changed?
Exploring Other Options
Finally, if you’re facing difficulty in receiving coverage, you can always explore other options. Depending on your personal circumstances, you may be able to purchase a simplified issue policy, or use a life settlement if one of your existing policies isn’t meeting your needs.
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