Many life insurance policies require a medical exam when you apply for coverage, and if you have health issues like high blood pressure, the exam will evaluate those issues. While high blood pressure doesn’t exclude you from getting life insurance, it can cause you to pay higher premiums. Shopping around for life insurance for high blood pressure can help you find the best rates while still getting the coverage you need.
High blood pressure, or hypertension, is a common health issue, so many people with high blood pressure still buy life insurance. However, since high blood pressure impacts your health and can potentially cause death, a life insurance provider will carefully consider multiple factors about your high blood pressure.
During the underwriting process, an insurance provider will require a medical exam to evaluate not only your high blood pressure, but also your overall health. The underwriter will review your medical records and will consider your blood pressure, how long it’s been an issue, and how well-controlled it is. Your lifestyle also has an impact on the underwriting process, and an underwriter will want to see that you’re living a healthy lifestyle and getting regular exercise. Other risk factors, like drug use or smoking, can drive your premiums up.
The underwriter will consider all of these factors when evaluating the risk of offering you a life insurance policy. Then, they’ll calculate your premium based on that level of risk.
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You can absolutely get life insurance with high blood pressure, but you may need to pay a higher premium for the coverage. If you need to get the lowest premium, then term life insurance, which will expire after a designated number of years, may be the most affordable option.
Whole life insurance is another solid option, and you will be covered for your entire life as long as you pay your premiums. Whole life insurance will be more expensive than term life. Guaranteed life insurance has no medical exam requirement, but death benefit amounts are usually limited.
To find the best life insurance policy for your needs, you can get free life insurance quotes online today. You can then compare those quotes to find a policy that’s within your budget and that offers the coverage you’re looking for.
Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
