If you’ve been diagnosed with high blood pressure or “hypertension”, you have every right to be concerned about how this may affect your insurance rates. Fortunately, the good news is that you can still get decent term life insurance policies with high blood pressure. If you’re considering applying for life insurance with high blood pressure, keep reading to get the background knowledge you need to understand how insurance providers rate people in your position.
Health Ratings for Term Life Insurance with High Blood Pressure
To understand how high blood pressure is going to affect your rates you must first understand how rates are determined. Term life insurance companies divide applicants up into health classes, and people in the best health condition generally get the best policy rates while those in the worst health conditions are either denied or get the most basic rates (the expensive ones). These classes are Preferred Plus Non Tobacco, Preferred Non Tobacco, Standard Plus Non Tobacco, and Standard Non Tobacco, with smokers falling into Preferred Tobacco or Standard Tobacco.
Now, if you have a preexisting health condition you will likely get a table rating or a “rated” life insurance policy. Instead of the general classes listed above, these ratings range from Table A through Table J. Much like grades in elementary school, the further down the letter, the worse off you are. With these, you’ll pay less the closer you are to Table A, and more the closer you are to Table H.
Keep in mind that you can always start comparing rates across different health classes at any time by using our free online quote form. Simply fill out your information, and you’ll get a full list of insurance quotes right at your fingertips!
The Medical Exam
In most cases, you will need to take a medical exam as part of your term life insurance application package. During this exam, you should be prepared to answer questions about your lifestyle, family history, alcohol and tobacco use, etc. In regards to your high blood pressure, you should also be ready with information on when you were diagnosed, what medications, if any, you’ve been taking, and how effective they’ve been (though of course much of this information will already be in your medical records).
No Medical Exam Life Insurance
You are not required to take a medical exam to secure life insurance. No Exam life insurance is available and is sometimes preferred. It sometimes costs a little more than a fully underwritten life insurance policy. However, there are some great advantages to no exam life insurance.
- Fast. A no exam life insurance policy can be approved much faster – some companies are immediate.
- Convenient. No need to schedule a nurse to come to your home with a no medical exam life insurance policy.
- Stress Free. A no exam policy doesn’t have blood or urine samples. You just have to answer health questions in order to qualify.
How High Blood Pressure Affects Life Insurance Rates
How an insurance provider classifies you will largely be dependent on the amount of control you have over your condition. If your high blood pressure is well-controlled by you and your physician through medication and/or other treatment and you are otherwise healthy, there is no reason for you to not be put into a health class rather than the Table ratings system. In fact, depending on your overall health, you could even be eligible for Preferred Plus rates— the best policies. In addition to your high blood pressure, life insurance companies will also be looking at any other medical conditions that may be present.
Now, if your blood pressure is only moderately controlled through medication, for example, you will likely be offered a Standard rating. With poorly controlled high blood pressure you are likely to still get approved, but you may get a table rating.
How to Get Lower Rates
When you have been diagnosed with high blood pressure, there are a number of things you can do to improve your likeliness of being offered lower insurance rates:
Talk to your doctor about high blood pressure medication, as well as ways you can lower your blood pressure.
Adopt a healthy diet
Add regular exercise into your schedule (again, consult your doctor first before taking on new exercise routines)
Avoid tobacco products
Please don’t hesitate to call us at 888-411-1329 for a customized quote and more information on getting the right term life insurance policy. In the meantime, feel free to start comparing quotes today with the quote form on this page.