High Blood Pressure and Life Insurance Rates!

By | October 11, 2008

If you have High Blood Pressure or Hypertension you still can find and buy affordable Term Life Insurance plans. I will outline a few important points and tips on how to get the best rates and premiums in this post.

Factors that will affect your underwriting decision:

  • Your current age
  • Date you were diagnosed
  • What medications and treatment has your Doctor prescribed
  • Response to any treatment
  • Current readings for the last 2 years (to show that you are stable and compliant)
  • Any other health issues, like heart disease, stroke etc.

How to help your agent or broker get the best rates and speed up the underwriting process:

  • Your doctor records will be required, the carrier typically orders these
  • Records of blood pressure readings (should be in your Dr.’s records)
  • Any cardiac history records
  • Make a case for your current health such as (how much you exercise, your great diet, the new job you took to improve your health and lifestyle, etc. you get the point right?)

So what can you expect after underwriting your file? It all depends on the severity of your hypertension but you may qualify for one of the Preferred Rate Classes. If you can show that your HBP is well controlled and compliant with your Doctors recommendations.

Just so you know how serious Hypertension can be, it not only affects your insurance premiums but your mortality read below…

» Five Strategies to Prevent High Blood Pressure Learning Is Free …
- You have no control over certain factors that put you at risk with high blood pressure such as genetics. You need to know if there is any health condition that involves high blood pressure, diabetes, heart disease, kidney failure, …

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- High blood pressure (quite well-known as a silent killer) is considered as one the biggest risk factors for heart disease and if you are conscious about their heart health, you definitely need to keep your blood pressure under control. …

High Blood Pressure Can Be Controlled
- If your High Blood Pressure is largely brought about by being slightly over weight then isn’t the bonus of not only looking and feeling better when you lose the pounds but you actually feel a lot better from the inside out as well? …

Blood pressure drugs linked to Diabetes, Heart Failure « Headworth …
- Potassium Loss From Blood Pressure Drugs May Explain Higher Risk Of Adult Diabetes (December 1, 2008) – Researchers have discovered that a drop in blood potassium levels caused by diuretics commonly prescribed for high blood pressure …

 

 

 

 

 

2 thoughts on “High Blood Pressure and Life Insurance Rates!

  1. Pingback: Life Insurance for people with Hypertension or High Blood Pressure « Lifeinsurancepros’s Weblog

  2. Pingback: Life Insurance if you are Overweight or have Build problems | The Life Insurance Pro




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