Having trouble finding affordable life insurance with Orthostatic Hypotension?
Don’t fret. We can help!
Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Postural Hypotension? And if so…
2. How much will it cost?
Can Individuals with Orthostatic Hypotension Qualify for Life Insurance?
Yes, most individuals with Orthostatic Hypotension will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
Best Case Scenario – If Postural Hypotension is caught early, the underlying cause of the sudden drop of BP is identified and complications or primary causes such as diabetes or hypertension ruled out, most cases may have a “Standard” rating. Click here for quote at “Standard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
If you’re unsure whether you will qualify for the Standard rating, please see the questions below:
How many years have you been diagnosed with Postural Hypotension?
Postural Hypotension is a manageable condition if detected and controlled early, but the symptoms and complications can worsen if there are serious primary causes. It is very important for a detailed evaluation to be done to identify the factors causing the drop of blood pressure. Longevity of the condition also increases the probability of complications such as heart or kidney problems.
Have you experienced any symptoms within the last six months?
Symptoms or flare signs such as dizziness, headache or fainting spells may be warning signals of a serious complication such as heart disease, which will need a thorough evaluation before a rating can be given.
Are you taking any medications?
The need for medications for heart conditions, kidney symptoms, lung complaints, liver disorders, cancer, infection or bone problems may be primary or secondary causes of Orthostatic Hypotension, which may require a thorough medical evaluation before a rating can be determined. This medications need to be evaluated also because they may be the culprit in causing your Postural Hypotension.
Do you have regular check-ups with your healthcare provider?
Regular visit to your healthcare provider can ensure that your blood pressure is closely monitored. This is a good sign of compliance especially if the BP readings are within normal. You have a very good chance at a “Standard” rating.
Do you have other medical conditions?
Do you have other medical conditions such as myocardial infarction, adrenal insufficiency, myocarditis, sepsis or severe fluid and electrolyte imbalance. These conditions need to be evaluated because they will have a separate rating class.
Do you have a family history of bleeding tendency?
If you have, the chances of developing emergency Postural Hypotension is increased and your condition will need a thorough medical evaluation before you can be given a rating.
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 Orthostatic Hypotension
Orthostatic Hypotension is a condition described as the sudden drop of blood pressure (BP), otherwise known as Postural Hypotension or in layman’s term head rush or dizzy spell. The sudden drop of BP commonly occurs when standing up or stretching from a lying down or sitting position, therefore, decreasing the blood supply to the brain.
The systollic blood pressure usually drops by 20 mmHg and the diastollic pressure by 10 mmHg. The symptoms of Postural Hypotension is caused by blood volume accumulating in the lower extremities with sudden change of position. This condition can happen to anyone although more it is common among the elderly.
There are various conditions related to Orthostatic Hypotension, among them include: multisystem disorders or peripheral neuropathy such as with diabetes, also with drug induced conditions, physical factors or simply an unknown cause.
Symptoms of Postural Hypotension include dizziness, hearing problems, lightheadedness, sense of euphoria, headache, nausea, vomiting, blurred vision or momentary blindness, bodily dissociation, fainting spell, sensations of numbness or tingling, neck and shoulder pain and in some cases seizures or syncope.
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