Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Can you get life insurance if you have hypertension? Possibly. It's going to depend on your level of control and how long you've been treated for Hypertension. With conditions like Hypertension the longer you've had it is actually better, especially if you can show a good record of control with medication. An underwriter would be more leary of an applicant with just diagnosed hypertension. A track record of control on the other hand, can still get a person preferred rates with some companies.
Hypertension that is well controlled by medication can be rated as good as Preferred+ with some life insurance companies. What is called well controlled varies by age; you get a little more leeway if you are middle age or older.
Some companies look at the highest reading in the past year; some look at an average over the past years. If you have had one spike in the past year, or if you had a high average but the last 6 months have been much lower, you would be better off picking one company over the other.
Uncontrolled blood pressure, hypertension in conjunction with other serious health conditions such as kidney disease or CHF, or blood pressures that requires 3 or more medications to keep it down, can cause a policy to be rated up or declined.
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Some companies look at the highest reading in the past year; some look at an average over the past years. If you have had one spike in the past year, or if you had a high average but the last 6 months have been much lower, you would be better off picking one company over the other.
Uncontrolled blood pressure, hypertension in conjunction with other serious health conditions such as kidney disease or CHF, or blood pressures that requires 3 or more medications to keep it down, can cause a policy to be rated up or declined.