The Truth about Life Insurance With High Blood Pressure


Choosing the appropriate amount of life insurance is not always simple. The best strategy to safeguard your loved ones in the event of an unexpected disaster should be discussed with a financial advisor, nevertheless, if your blood pressure is high.

Contact us right now if you’re interested in learning more.

Does High Blood Pressure Affect Life Insurance

How Can Life Insurance Prices Be Affected by High Blood Pressure? Do my life insurance prices change if my blood pressure is treated? What aspects of life insurance coverage affect it?

The American Academy of Cardiology claims that a number of different health problems and disabilities are brought on by high blood pressure. For instance, receiving a high blood pressure diagnosis puts your general health in jeopardy. In fact, if not treated, life insurance with hypertension can be expensive!

To be clear, these risk factors are not limited to, but do include:

High Blood Pressure and Life Insurance

Each of these gets worse because of the others. Hence, it shouldn’t come as a huge surprise that you will pay a higher premium if your blood pressure is out of control. Also, a combination of these circumstances will cause the underwriter to consider you to be a higher risk.

In fact, life insurance providers will inquire about your past blood pressure readings.

Life Insurance Blood Pressure Underwriting

Also, when determining your rating class, a life insurance underwriter will want to hear the answers to these questions. Due to this, the carrier will insist on a physical and will ask for your medical history. Note that the price is determined by the Rating class, therefore you should have a history of within-normal blood pressure readings.

  • What is your average blood pressure reading?
  • What sort of prescription drugs are you taking?
  • A history of abnormally high readings?
  • When did you last have your blood pressure taken?
  • Do you have a family history of hypertension or high blood pressure?

Also, when determining your rating class, a life insurance underwriter will want to hear the answers to these questions.

Due to this, the carrier will insist on a physical and will ask for your medical history. Note that the price is determined by the Rating class, therefore you should have a history of within-normal blood pressure readings.

The examiner will take the life insurance blood pressure test during the examination. Three consecutive blood pressure measurements will be taken by the examiner.

The good news is that it is possible and not a problem to obtain life insurance with having high blood pressure, although insurance companies will rate you more highly if your blood pressure is uncontrolled. High blood pressure and high cholesterol together might be concerning.

We at PinnacleQuote can assist you in locating the most affordable life insurance options. Nonetheless, it is crucial to be truthful while completing your life insurance application and when chatting with your life insurance agent.

Does High Blood Pressure Affect Life Insurance

Why Do Life Insurance Companies Find Hypertension Unsettling?

In general, a life insurance provider wants to make sure you are a wise investment when determining the rate! Generally speaking, this is a business! Therefore there are several potential health problems associated with high blood pressure, or hypertension, which could significantly affect the cost. Several of them were already mentioned, but here are a few more.

This comprises:

As you can expect, people with hypertension are regarded as high-risk individuals due to these associated health problems. Although there are more possible consequences associated with hypertension, the life insurance companies are less concerned with them if they are not life-threatening.

Also, you should always work with the best life insurance company that focuses on that industry. Also, you want a respectable business with a good rating.

We believe that A.M. Best is the best rating company for determining an insurance company’s financial viability.


The majority of hypertension, 95 percent of it, is referred to as “essential” hypertension. This suggests that there isn’t a particular underlying cause. If that describes you, it is crucial that you take the medication exactly as directed.

Maintaining normal blood pressure, paying lower rates, and putting your hard-earned money back in your pocket can only improve your situation. This typically indicates that hypertension DOES have an innate aetiology.

Such causes include

  • Heart conditions like an aortic arch defect
  • An adrenal gland tumour
  • Issues with the kidneys or kidney failure

In this category, taking blood pressure medication is often beneficial for the cost of life insurance (Assuming the Doctor prescribed it naturally).

The distinction is that because there is an underlying condition, it must be considered separately from the simple fact that hypertension exists.

Blood Pressure For Preferred Life Insurance

The preferred rating class and blood pressure medicine

What are class ratings for life insurance?

There are some companies that won’t let any blood pressure medication qualify for their finest costs when it comes to the top wellness course, “Preferred Plus”. By business, this varies. Later on, we’ll go into more detail.

The reason is simple: More than 5% of people are eligible for Preferred Plus. It is only available to those in extraordinary health. You must have normal or low blood pressure, and (with some businesses) these levels must be organic without prescription supervision.

What Is Considered High Blood Pressure For Life Insurance

What is therefore a normal blood pressure?

In order to track their status, people with high blood pressure must learn to record their readings.

A blood pressure reading is the ratio of the Systolic and Diastolic readings (top and bottom, respectively) (bottom).

A blood pressure chart for life insurance is shown below. You’ll notice the guidelines for these categories given by The American Heart Association:

You might have problems locating the life insurance quote you’re seeking for if your blood pressure reading falls inside Hypertension Stage 1 or above.

What do Life Insurance Companies Consider High Blood Pressure


Although it is necessary for your life to aid with blood flow and keep you healthy, taking blood pressure medicine might have a negative influence on your life insurance plan, even if it successfully lowers your blood pressure.

The goal of life insurance companies is to keep your blood pressure stable. Instead, they’re checking to see if your blood pressure has been relatively stable for a long time. This justifies the necessity of routine blood pressure checks.

Life Insurance High Blood Pressure Medication

Is hypertension a silent killer?

Make sure you’re ready for a number of inquiries concerning your medicine before you apply for life insurance. Your current medication dosage is also included. Bystolic, Diovan, Toprol XL, and other typical blood pressure drugs are available. Whenever submitting a life insurance application for anyone over 75.

The history of blood pressure readings will be the most important thing they look for to ensure there are no abnormal readings. According to studies, patients with multiple sclerosis may have more overall disability when their high blood pressure is addressed (MS)

How can High Blood Pressure or Treated Blood Pressure Affect Life Insurance?

Just anxiety and a poor diet could be responsible for slightly raised blood pressure. Occasionally, persons also experience “white coat syndrome.” Just being at a doctor’s office can cause your blood pressure to increase.

A more severe condition, which is sometimes known as a silent killer, puts stress on the heart and blood vessels. More serious medical conditions, such a heart attack or stroke, could result from this.

According to insurance underwriters, the situations that are the real cause for concern present a higher risk. Finally, this implies that your premiums will increase. Follow along as we learn how to lessen this.


It’s crucial to understand that the underwriter for a life insurance company will carefully review your most recent blood pressure measurements. Moreover, the general course of hypertension. For instance, particular blood pressure measurements can inform the carrier of the applicant’s level of risk. The tariff for the applicant will depend on this.

Understanding that every carrier has distinct criteria for establishing the pricing is another important element. In light of this, it is crucial to speak with an impartial representative when looking for high blood pressure quotes.

Here is the general guideline:

  • Favorite Plus/Select Preferred Class: If your blood pressure readings are less than 130/80, you aren’t taking any medications, and you are younger than 60, you won’t be considered to have high blood pressure and will therefore be eligible for the lowest premiums.
  • Preferred Class: If your blood pressure readings are less than 135/90 while using medications or 150/90 when not using any drugs, you can be considered a favourite danger. You would be subject to slightly lower premiums as a result than persons in the typical classification.
  • Standard: This often calls for readings that don’t surpass 150/90 while under the influence of drugs. Readings may be higher for older age groups, such as those over 50 and those over 60.


There are various other questions for which you must be ready. The following information will be required by life insurance companies:

  • How energetic are you?
  • What kind of work do you do?
  • What kind of ancestry do you have?
  • Do you smoke or do you use tobacco?
  • Are you diabetic?
  • Driving history, DUI History?

Together with your high blood pressure, they will inquire about your height, weight, cholesterol levels, and any further medical concerns you may have. They will analyse all of this data while determining whether or not to classify you as a high-risk life insurance client.

High blood pressure can be caused by stressful life events and other factors, but it can also be a hereditary genetic disorder. These conditions can improve with a healthier lifestyle. Also, it’s crucial to keep in mind that other health issues have a role.

High blood pressure can cause various heart and circulation issues in people with diabetes. Diabetes-related diseases can raise the risk of heart attack and/or stroke.

It’s significant to remember that every life insurance provider is unique. Depending on the company you choose, their health examination will differ greatly. Here at PinnacleQuote, we can assist you in identifying the best choice for your unique situation.


There are various things you can do to lower your life insurance rates if you want to be proactive. This includes regularly working out, giving up smoking, consuming less alcoholic beverages, and eating wholesome, balanced meals (i.e. the Dash diet). The most popular term to buy is a 20-year term life insurance policy.

The best course of action may be to take medication if your blood pressure is out of control. Life insurance providers would rather see you with a controlled heart rate while taking medicine than one that is not controlled at all.

How To Lower Blood Pressure for Life Insurance Exam

Making sure you are taking your medicine is the greatest strategy to lower your blood pressure prior to an examination. NEVER alter the schedule! Except if you suffer from ailments brought on by, say, white coat syndrome.

Some customs have the potential to make hypertension worse. If you do partake in any of them, you need to cut back as quickly as you can and make it a goal to entirely stop.

How to Lower Your Life Insurance Premiums

There are some actions you may take to increase your chances of getting a life insurance policy, even if your blood pressure is elevated.

Making sure that your blood pressure is being treated is the first thing you’ll need to do. People frequently ignore high blood pressure because it typically doesn’t cause urgent medical issues.

Because of this, a life insurance company can decline to cover you. Make sure to obtain frequent checkups and to take medication as necessary to control it.

If so, just maintain your composure! Before the exam, avoid consuming anything with caffeine, such as coffee.


Above important, start by reducing some weight because being overweight can put stress on the heart and elevate blood pressure. Moreover, exercise is a fantastic technique to lower blood pressure.

A consistent fitness programme helps lower your blood pressure. It might be as simple as strolling a few miles each day. Your blood pressure can get worse if you’re completely worn out.

There are some foods, like fats, caffeine, salt, and many others, that may raise your blood pressure. Avoid processed foods and increase your intake of fruits and vegetables in your diet plan.

Moreover, anxiousness is yet another factor that raises blood pressure. You will need to make sure that you try to unwind as much as you can.

Eliminate sources of stress from your routine and engage in activities that can help you combat the symptoms of anxiety. Very helpful in the relaxation process is meditation.

Work with a carrier that views blood pressure as a risk factor favourably if you’re seeking for life insurance.


When applying for life insurance after receiving a hypertension diagnosis, there are a few options to think about. Learn the advantages and disadvantages of both term and permanent life insurance first. You’ll then need to choose a course of action.

You also have the choice to apply for no exam life insurance, where you will be assured of acceptance, if you are a high-risk life insurance applicant. The following is a list of the most common questions we get from our customers.

Depending on the danger, guaranteed acceptance might be a suitable choice if you pose a specific risk. We can look for the greatest life insurance choices for you at PinnacleQuote.

Overall, delaying life insurance puts your family at risk and leaves your bills unfilled, especially if you have a diagnosis that could be fatal. It doesn’t have to be right now, but get in touch with us any time and we’ll help you find some tranquilly.


Generally, having high blood pressure entails a number of hazards. Your life expectancy is reduced by 10–20 years, and you run the risk of developing the following conditions:

  • Heart condition
  • Enlarged heart failure
  • Stroke
  • Kidney problems or disease


The most crucial thing is to make sure that you choose an independent agency versus a captive agent while looking for life insurance.

Founder and independent agent Danny Ray

We are situated in Jacksonville, Florida’s Duval County. In actuality, PinnacleQuote is a 50-state-authorized nationwide independent life insurance agent. has connections with dozens of carriers at the same time.

Above all, let PinnacleQuote hold your hand if you’re seeking a straightforward procedure. As a result, thanks to the connections we’ve built over the years, we can offer you the greatest life insurance rates in the business.

PinnacleQuote will offer you the best service to protect your family because I have more than 28 years of expertise in the investment and life insurance industries.

Our Slogan:

best deal, carrier, and options! Guaranteed!!!!

More importantly, feel free to contact us at PinnacleQuote (855)380-3300 if you have any queries.


A frequent health problem, high blood pressure can cause a wide range of additional issues. For instance, studies have shown a connection between high blood pressure and an increased risk of heart disease and stroke. Although controlling your hypertension may initially appear difficult, it is not impossible!

In fact, if the illness is well treated, life insurance for those with high blood pressure can be less expensive than you think. Don’t delay any longer; request a quote from our specialists right away by using the button below or by dialling (855) 380-3300.