Buying Life Insurance with High Blood Pressure

In 2019, there are only a few life insurance companies offering the preferred plus rate class without taking a medical exam.

Companies like the Principal provide up to $1,000,000 of coverage, and Banner Life offers up to a $500,000 death benefit without doing a physical.

Plus, these companies offer preferred plus term rates for treated hypertension at the same cost as their fully underwritten term policies..

Both companies gather your underwriting information through traditional underwriting sources including; an application, a motor vehicle report, and your prescription drug records.

The only catch is that you must be in good health in order to qualify for coverage.

Buying Tip:

Should you take a medical exam when a applying for life insurance with high blood pressure?

If you are really busy or are afraid of needles because of life insurance white coat syndrome, we can help you find the best no exam company.

However, most people seeking life insurance with high blood pressure should take the exam because you will have many more companies offering the cheaper preferred plus rate classification.

Not to mention, if you are in need of a larger death benefit policy, you would be out of luck unless you are willing to take an exam.

So, if you need life insurance and have a medical condition, we always suggest following our step by step program.

Here is how the life insurance exam process works:

First, your medical history is evaluated to determine which company may be best suited for your hypertensive condition.

Then, we start the application process by having you complete a life insurance blood pressure test, urine and blood sample, and height and weight measurement.

Then, we order the required medical summary including your blood pressure follow-up from your regular doctor

Finally, your medical profile is presented to multiple life insurance companies to determine which company can offer you the best rates.

Instead of being assessed a preferred rate just because you are being treated for hypertension, the exam process evaluates both the control of your condition, and compliance with your physicians plan for treatment.

This allows you to get into the preferred plus category which usually equates to over a 25% savings for our happy clients!

Here is a practical example illustrating the difference in price between two companies.

Ronald applies for a $500,000, 2o year term life insurance with high blood pressure when he is 62 years old.

Company A Company B Rate Class Preferred Plus Preferred Premium $2,095 $2,523

Company A allows medication for high blood pressure and issues Ron a policy with preferred plus rates, while company B only permits a preferred rating. Wow, that is close to $500 in savings per year for Ron with nearly $10,000 in savings over 20 years!

Buying Tip:

How can I lower my blood pressure for my insurance test?

Drink a few extra glasses of water for a few days before your exam.

Try to avoid eating or drinking anything except water for 12 hours before you are examined.

T ry to avoid drinking alcohol, coffee, and smoking cigarettes prior to taking you brief exam.

Plus, try to take the exam in the morning when you are calm and relaxed.

You may also want to do a few readings on your own before undergoing any insurance examinations.

This will be a good “test run” to see if you fit within the life insurance blood pressure chart published by every company.

Working with an Independent Agent

Please take the time to shop around for the most affordable policy for your unique planning needs.

Many people are not aware of which companies offer the best term insurance rates for people with hypertension.

The most effective way to obtain the best offer is to work with an independent agent!

Your independent broker eliminates the hassle of shopping around to find you the lowest premiums based on your complete medical history.

Working with an independent agent eliminates the hassle of shopping around and calling many different agents to get quotes.

Your independent agent will help guide you to the company with the lowest premiums based on your actual blood pressure readings.

Good news!

We represent many niche insurance companies and can use our insider knowledge to direct you to the company specializing in underwriting life insurance with hypertension. We have been selling life insurance for over 25 years, and have found the best insurance company for someone with high blood pressure may not be the best company for a person with seeking life insurance with diabetes.

We offer very competitive rate on both term insurance and universal Life Insurance.

Term Life Insurance – Term life offers guaranteed death benefits and level premiums for an initial period such as 10, 15, 20, or even 30 years.

Universal Life Insurance – This is a form of permanent life insurance with the premium and death benefit guaranteed for your entire lifetime.