Have you been declined for life insurance due to High Blood Pressure?
The good news is there is hope. At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with High Blood Pressure? And if so…
2. How much will it cost?
Yes, most individuals with High Blood Pressure will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – A well controlled High Blood Pressure may be defined as hypertension that has been diagnosed for more than two years already and shows a blood pressure readings that is consistently lower than 140/90 mmHg for the last 12 months. Most of these cases have a “Standard” rating. Click here for quote at “Standard.”
Moderate Case – A moderately controlled High Blood Pressure that has been recently diagnosed may be considered an unstable condition and gets a “Mild Substandard” or “Medium Standard” rating. Also, symptoms of High Blood Pressure due to a predisposing condition like diabetes or heart disease may also be rated at “Mild Substandard” or “Medium Standard” in spite of, evident moderate control of the condition. Click here for quote at “Mild Substandard” or “Medium Substandard.”
Severe Case – A poorly controlled High Blood Pressure presents severely elevated blood pressure readings and may be in danger of a hypertensive crisis. Another scenario would be the presence of obvious complications such as Coronary Artery Disease or Kidney injury. The best rating for these cases, if they will qualify would be a “Severe Substandard” rating or in worst cases a decline. Click here for a quote at “Severe Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
1. How many years since you were diagnosed with High Blood Pressure?
Generally, High Blood Pressure that had been diagnosed for more than two years will show whether the condition is well, moderately or poorly controlled.
2. Have you experienced any severe symptoms within the last six months?
Severe symptoms include blood pressure readings that reach as high as 190/100mmHg or higher. Severe symptoms would usually require hospitalization. These events are warning signals of a poorly controlled High Blood Pressure, which may cause a “Severe Substandard” rate or even a decline.
3. Are you taking any medication?
The need for anti-hypertensive drugs is very crucial for High Blood pressure and compliance to these medications usually results to a well controlled condition. This could mean a “Standard” or “Mild Substandard” rating.
4. Do you have regular check-ups with your physician?
Regular visits to your physician will prevent occurrences of severe complications like heart failure or stroke. Fewer complications for your High Blood Pressure will get you a better chance of a good rating.
5. Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests like blood cholesterol level or ECG present the best ways to show your actual condition. This may also confirm your compliance with your medications and physician’s management.
6. Do you have the following lifestyle risks?
High Blood Pressure is aggravated significantly by various risk factors such as smoking, poor diet, lack of exercise and stress. Chances are, if you have any of the following risk factors you may get a “Mild or Medium Substandard” rating.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of High Blood Pressure
High Blood Pressure also known as hypertension (HPN/HTN) is a medical condition where there is an increase in overall arterial pressure in the body. The raise in arterial pressure increases the workload of the heart since it has to pump out more blood to supply the necessary Oxygen to the major organs in the body.
There are two determining measurements used in High Blood Pressure; the systolic (heart during contraction) and the diastolic (heart during rest) pressure. High Blood Pressure is considered if a person’s reading is persistently at 140/90 mmHg and above.
Both primary and secondary hypertensions may present similar symptoms that include headache, nape pain, dizziness, fainting episodes, altered vision, lightheadedness and ringing in the ears.
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