High Blood Pressure High Cholesterol and Life Insurance


We specialise in finding the right life insurance for you. If you have high blood pressure or high cholesterol or both, this needn’t affect your premiums.

High Blood Pressure High Cholesterol and Life Insurance image

Approximately 30% of the population have high blood pressure or high cholesterol. It can lead to serious consequences if left untreated.

If you suffer from high blood pressure or high cholesterol and are looking at changing your life insurance or taking out a new policy we're here to help.

Click here to skip to how having high blood pressure or high cholesterol might affect your life insurance policy.

 

What is High Blood Pressure?                                                     

Your blood pressure measures how strongly your heart pumps blood around your body. As the heart pumps the blood around your body it ensures your organs and muscles get all the oxygen and energy they require to function through a network of arteries and veins.

As your heart contracts and squeezes the blood through your arteries, your blood pressure increases and as it contracts your blood pressure reduces, therefore your blood pressure is constantly fluctuating between its maximum and minimum level.

Your maximum and minimum levels are referred to as your systolic and diastolic pressure. You will often hear your blood pressure referred to as for example “125 over 80”. The first number being the systolic (maximum) and second, diastolic (minimum)

High blood pressure, otherwise known as hypertension, is diagnosed when your reading is consistently higher than 140 over 90 over an extended period, generally a number of weeks.

 

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What is High Cholesterol?

High cholesterol is the presence of abnormally high levels of cholesterol in the blood. High cholesterol is generally caused by a combination of genetic and environmental factors.

There are two types of cholesterol:

  • Low-density lipoprotein (LDL) LDL carries cholesterol from your liver to the cells that need it. If there is too much cholesterol for the cells to use, it can build up in the artery walls, leading to disease of the arteries. For this reason, LDL cholesterol is known as "bad cholesterol".

  • High-density lipoprotein (HDL) HDL carries cholesterol away from the cells and back to the liver, where it is either broken down or passed out of the body as a waste product. For this reason, it is referred to as "good cholesterol" and higher levels are better.

The ideal total cholesterol reading would be that of under 5.2 mmol/L, above and beyond this level and you may be diagnosed with high cholesterol.

 

How does High Blood Pressure affect Life Insurance?

Due to the very high incidence rate of high blood pressure and high cholesterol the insurance providers have a lot of statistical information on record and are able to therefore offer terms of insurance so long as you know your last readings.

As both conditions are generally well managed once diagnosed the price of insurance rarely deviates from standard terms. This means the quote you see on our system will often be the final price you will be expected to pay.

At I’m Insured we’re experts on dealing with applications with medical disclosures. If you would prefer to discuss your requirements with one of our experienced consultants please click the ‘talk to us’ button below or alternatively ‘compare now’ to use our online system.

 

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http://en.wikipedia.org/wiki/Hypercholesterolemia#Signs_and_symptoms

http://www.nhs.uk/conditions/blood-pressure-(high)/pages/introduction.aspx

http://www.bloodpressureuk.org/microsites/u40/Home/facts/Whatishigh

 

By Gwilym Pugh

Mar 24, 2014


I'm insured, Life insurance, mortgage life insurance, critical illness cover
I'm insured, Life insurance, mortgage life insurance, critical illness cover

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*Savings illustrated for Life Insurance, Critical Illness Cover and Income Protection calculated and correct on 13th October 2013. *Quotes for Car Insurance, House Insurance, Holiday Insurance, Pet Insurance, Motorbike Insurance, Van Insurance and Breakdown Cover are provided by Quotezone. Quotezone reviewed the quote requests generated on their insurance comparison service between Jan and March 2013. They took the cheapest from the median quote produced for each client to produce a ‘representative’ saving. More than fifty percent of quotes achieved a representative saving of this amount or more. The savings you could achieve are dependent on your personal circumstances and how you obtained your current insurance policy.

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I'm insured, Life insurance, mortgage life insurance, critical illness cover
I'm insured, Life insurance, mortgage life insurance, critical illness cover
I'm insured, Life insurance, mortgage life insurance, critical illness cover
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