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High Blood Pressure
Many middle aged clients taking medications for hypertension often ask, can I still qualify for life insurance with high blood pressure?
Obtaining great rates for life insurance with hypertension is normally not a problem assuming it is well controlled with medications.
If you take medications and your recent readings are normal using the correct carrier is vital to getting the lowest rates for life insurance with high blood pressure.
Here Are the Life Insurance Rate Classifications
Our goal at Gold Coast is to get you into the best risk classification which is often referred to as a “preferred plus” rate class.
Life Insurance Blood Pressure Chart
|Top number (systolic)||Bottom number (diastolic)||Your category|
|Below 120||and Below 80||Normal|
|Between 120-139||or Between 80-89||Prehypertension|
|Between 140-159||or Between 90-99||Stage 1 hypertension|
|160 or higher||or 100 or higher||Stage 2 hypertension|
Life Insurance with High Blood Pressure
How do you qualify for the preferred plus rate class for life insurance with treated or medicated hypertension?
There are many life insurance companies who will not only offer you term life insurance with high blood pressure treatment, but will even issue the best available rate class.
If you apply to most life insurance companies and take high blood pressure medication, you end up getting automatically classified into the preferred category.
This differs from how life insurance carriers classify cholesterol treatment. Almost all life insurance companies allow a preferred plus rate for cholesterol being treated with medication.
The key is to find a life insurance carrier who states in their published underwriting guidelines that “treated hypertension” is allowed for the preferred plus category.
It is also very important to realise that there are typically a 10-25% price differences between each rate classification. So, it just makes good sense when applying for life insurance with high blood pressure to disclose your treatment and to your agent.
You may also want to do a few readings on your own before undergoing any insurance examinations.
This will be a good “test run” to see if you fit within the life insurance blood pressure chart published by every carrier.
Most people realise that a good blood pressure reading is 120/80, however you may still be interested in looking at Mayo Clinic’s blood pressure chart.