Who provides life insurance if you have high blood pressure ...

by admin

Majority of companies will. Just that the person with high blood pressure will get a rate that is is between "preferred" and "tobacco user."

Its really difficult to get a preferred rate. Majority of people can’t get it. They are either overweight or underweight or they don’t have a normal health such as having high cholesterol or high blood pressure.

Almost everyone - that is, if it is well controlled (say 180/97 or under) and you haven’t had a medication change in the last 6 months.

If your blood pressure is not well controlled, most companies will postpone until your doctor’s records show improvement. If it is not well controlled, keep working with your doctor. Your risk of stroke, congestive heart failure, etc. is just too high in the mean time.

There are plenty of life companies that will write you. You need to narrow down what you’re looking for and clarify your high blood pressure: are you being treated? Is it under control? How’s your weight? Taking other meds? (you don’t have to answer here ;))

For a standard medically underwritten policy, a company may elect to issue at standard or higher (called rated or table rated) rates where the extra premium accounts for the higher risk. There are also guaranteed issue policies that are more expensive and have a two year waiting period. Better than nothing.

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