Without the proper direction, you may consider life insurance and high blood pressure to be just like oil and water — they just can’t seem to mix! To understand why, let’s break down what the condition is, and how it affects your search for the right life insurance policy.
What is Hypertension/High Blood Pressure?
Stage 1 hypertension is diagnosed when a person’s systolic (at heartbeat) and diastolic (between heartbeats) pressure is measured above 130/80 mm Hg (millimeters of mercury). This reading represents the pressure of blood traveling through your arteries. Naturally, too high of a pressure against the artery walls for too long can lead to some major problems, including heart attacks, heart disease, or stroke. A blood pressure reading around 120/80 mm Hg is considered healthy.
In many cases, there aren’t any clear signs that point to high blood pressure on the exterior. The condition comes as the sum total of a person’s lifestyle choices, such as their diet and daily physical activity.
According to the experts at the CDC (Centers for Disease Control and Prevention), one out of every three American adults have hypertension, and only about half of those people have the condition under control. Hypertension-related deaths per day reached as high as over 1,000 in 2014. It sounds a bit bleak, but hypertension is not a denial or decline of life insurance. Since the illness is so elusive and damaging, you can expect an insurer to assess the risks.
How does Hypertension/High Blood Pressure Affect My Life Insurance Application?
Because of the risk associated, many life insurance companies will accept a proposed insured with a high blood pressure reading provided that it is under control with dieting and exercise, however the result could be a slightly higher monthly premium. This is why your insurance application asks questions about any medication or whether or not you’re a smoker — these questions help the determine the severity of the condition. More about the application process can be found [link to blog post].
Some ways to make your path to becoming insured easier are:
-speaking to independent insurance agents who specialize in hypertension/high blood pressure coverage
To ensure you can get the proper understanding of your needs, there are some companies in the life insurance business that offer specialized coverage for chronic health conditions like sleep apnea, asthma, or hypertension. Some hypertension-specific life insurance companies include Sagicor, Foresters, Nassau Re, American National, and AIG.
-signing up for a no-exam life insurance policy
A no-exam life insurance policy allows the approved insured to skip the usual para-med exam, giving access to coverage without as much scrutiny on the applicant. Aside from the medical exam, the process is exactly the same as a normal life insurance policy. Click [here] to find out more about the no-exam life insurance.
-being truthful when asked questions concerning personal health
In order for underwriters (those hired by life insurance agencies to assess the potential insured) to service you correctly, they will need accurate information. Their job is to make sure you are paying only for what you need — and to make sure the life insurance company is doing the same.
-knowing your vitals and living a balanced, healthy lifestyle
Getting with an expert on physical health and nutrition can put you in place to receive the best quality service a life insurer can offer.
At Ron L. Reed and Associates, our mission is simple, “To be Clear, Concise and Conversational with our potential and current clients. Our values are People Respect, Opportunity, Passion, Excellence and Loyalty.” Give us a call or get an instant life insurance quote by filling out the form to the right.