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Having high blood pressure will typically raise the rate you pay for your life insurance premium. If it is controlled, and you have no other health issues, you may qualify for an excellent rating, but perhaps not the "Super Preferred" rating that so may of us yearn to qualify for!
Each carrier is different, so utilizing an experienced broker is your key to getting the best rates.
High blood pressure can increase life insurance premiums. But managed high blood pressure through medication with diet and exercise may mitigate your underwriting offer. Some “lower” end high blood pressure diagnosis may also be classified also as hypertension. If all other health conditions are within normal parameters managed high blood pressure doesn't automatically mean higher premiums.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Does high blood pressure increase life insurance? If you mean increase the price, the answer would be yes. Uncontrolled high blood pressure is often a decline. For some people the life insurance medical exam is the first physical they've had since high school. Often a eye opening experience can occur. That said, insurance companies don't usually punish by cost people who have controlled blood pressure via medications. Once controlled, high blood pressure for the most part becomes a non factor.
High blood pressure (hypertension) will not increase life insurance rates with some companies, as long as it is controlled. Most companies charge a little more if blood pressure medication is used, but some will give their best rating even with the use of one antihypertensive drug. If it takes two or more medications to control blood pressure, the rate will usually increase more.
Some companies look at the average blood pressure reading over the past couple of years, some look at the highest blood pressure reading in the past year, and some use a combination of guidelines. Having stable and controlled blood pressure for over 6 months is the best way to get your best rate. However, there are simplified and guaranteed issue policies even for those with uncontrolled blood pressure.
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Each carrier is different, so utilizing an experienced broker is your key to getting the best rates.
Some companies look at the average blood pressure reading over the past couple of years, some look at the highest blood pressure reading in the past year, and some use a combination of guidelines. Having stable and controlled blood pressure for over 6 months is the best way to get your best rate. However, there are simplified and guaranteed issue policies even for those with uncontrolled blood pressure.