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Life Insurance with High Blood Pressure

Licensed Life Insurance Agent/Marketing Manager
March 31, 2020

If you have high blood pressure the last thing you need is stress regarding your life insurance policy. The key is to find the right life insurance companies who will give you the best rates with high blood pressure (HBP).

Can you get life insurance with high blood pressure?

Yes, you can get life insurance with high blood pressure. 

The life insurance company will most likely ask you additional questions about your condition to get a better understanding of your situation. This will help them to determine your eligibility and cost for life insurance. 

How much does life insurance cost with high blood pressure?

The cost of your life insurance policy will depend on a variety of things:

  • Your rate class
  • The type of life insurance policy you choose
  • How much coverage you want

Your rate class is the combination of age, health, gender, lifestyle and other factors that a life insurance companies uses to help them determine the cost. Each company has their own rate class system, which means that some companies will charge you more due to high blood pressure than other companies.

The type of life insurance policy you choose can also influence the cost. For example, a term life policy is the cheapest form of life insurance. However, term only lasts for a certain period of time, which may not meed your needs.

The amount of coverage you are looking for can also affect your costs. The higher coverage amount you want, the more expensive your life insurance policy will be.

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What is the process to apply for life insurance?

You can ta couple of routes which will determine the full process for application. 

  1. Fully underwritten - this is the most traditional process. This will require a life insurance medical exam
  2. No medical exam - this process will allow you to skip the medical exam, but you may still need to fill out a health questionnaire. 

No Medical Exam:  Many times the cost between the two policies will be small and a non medical exam policy does not require a blood draw. High cholesterol and blood pressure are the most common reasons a policy comes back with a higher premium. If you are concerned about your blood work then paying a few additional dollars might very well save you money once your lab results come back. And a non medical exam policy approval is fast with some approvals in 15 minutes.

Fully Underwritten: Fully underwritten life insurance requires a medical exam. The examiner typically comes to your home and checks your height and weight and takes a small blood and urine sample. Your lab results are then processed. The carrier will request physician statements and look into your medical records. The carrier will also do a prescription database check to see what medications you are currently taking and have taken in the past. The company will use this information along with your application to determine your eligibility and cost for a policy.

The entire process is guided by a life insurance agent. If you don't have a life insurance agent, feel free to give us a call to guide you through the process. 

Written by
Chelsie Ball
Chelsie is fixated on developing innovative ways to present complex ideas and maneuvering people to the information they need. She has worked in digital marketing for the past eight years and has been a licensed life insurance agent since 2010. When she isn’t looking out for the user, you can find her watching Netflix or desperately trying to find a real hobby.