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The Risks of High Blood Pressure
According to a recent report issued by the CDC (Centre for Disease Control), approximately half of American adults suffer from high blood pressure. Sometimes called hypertension, high blood pressure poses a risk to overall health and should be treated seriously.
Those with high blood pressure are more likely to experience cardiovascular diseases, heart attacks, strokes, aneurysms, and kidney failure.
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High blood pressure can be a dangerous condition to live with, but it doesn’t necessarily prevent you from getting life insurance unless it’s combined with other health risks. High blood pressure may cause your rates to increase, but you can help keep them down by proactively working on your health or by choosing a less expensive policy.
Because life insurance providers must assess your level of risk to determine your rate, having high blood pressure will likely result in a more expensive life insurance plan. But exactly how your life insurance is affected will vary depending on a few different factors.Free Life Insurance Comparison - Save up to 30%
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In most cases, high blood pressure alone will not prevent you from qualifying for life insurance unless it is accompanied by other risk factors.
Most life insurance plans will ask for medical underwriting in order to approve you for insurance. Medical underwriting consists of documents such as:
For those unable to qualify for standard life insurance, guaranteed life insurance is a valid, but more costly, option.
In most cases, a person with high blood pressure will have a choice of life insurance plans. There are three main kinds of life insurance policies, each with its own pros and cons:
Even with high blood pressure, you can usually qualify for life insurance and have your pick of insurance plans depending on your needs.
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As is the case when looking for any kind of insurance, shopping around for the best-priced policy is the way to go. Compare quotes and assess your needs to ensure you are finding the best plan for your situation.
There are also some healthy lifestyle tips you can follow to demonstrate to your provider that you are improving your health:
The better shape that you are in, the better your life insurance policy can take care of you!
Margaret Huntley Margaret Huntley is a creative writing and philosophy student at Western University. She has been working as a freelance writer for over two years and has written about everything from insurance, to poker, to health and wellness for international businesses.