What affects will High Blood Pressure have on my Ability to Obtain Life Insurance|
The leading cause of death aside from cancer is heart disease high blood pressure many times lead to more serious health issues like heart disease and heart attacks due to hardening of the arteries and lack of oxygen to the heart. A person with hypertension has an increased risk of stroke, aneurysm, heart failure, heart attack, or kidney damage, especially if the hypertension is not well controlled with medication, diet and exercise.Qualifying for a life insurance policy with hypertension can be complicated, but still possible. When evaluating a diagnosis of high blood pressure and mortality risk for life insurance, the following factors will be carefully considered by the carrier’s underwriters to determine insurability and rate. Supportive evidence that you are stable with treatment under a physician’s monitoring or on the road to recovery will determine insurability. Common reviews will include the following:
· Blood pressure readings in the past 12 months?
· Are there other cardiovascular risk factors involved? (ECG readings, cholesterol levels, diabetes, family history)
· Are you currently under supervision with a physician?
· Are the symptoms being managed with medications?
· Are you in the normal weight and build chart range?
· Do you smoke?
How can You Assist in Obtaining a Good High Blood Pressure Insurance Rating
Take all medications as directed by physician
Routinely check blood pressure
What Life Insurance Underwriting Offer can I Expect to Receive?
Well-controlled hypertension can expect a possible Preferred rating with some of the carriers. Uncontrolled hypertension will bump it up several table ratings added to a standard rate, depending on the blood pressure readings
