Finding life insurance with high blood pressure may feel daunting - many people worry that the cost of their insurance will increase or that their application may be declined by insurance providers.
Luckily, it is possible to get life insurance with high blood pressure at a standard rate. However, it is worthwhile to understand what you can expect from life insurance companies if you have high blood pressure.
Using an independent insurance broker can help you to navigate the application for life insurance. This is particularly relevant if you have had previous life insurance applications declined or have a new diagnosis of high blood pressure.
High blood pressure, also known as hypertension, is when your blood pressure is higher than 140/90mmHg. If you have high blood pressure, it means that your body is putting extra strain on your blood vessels, heart and other organs.
A persistent case of high blood pressure can lead to further health issues and complications over time including heart disease, strokes, heart attacks and vascular dementia.
It is a common condition, with around a third of adults in the UK having high blood pressure. Despite this, many people who have the condition are unaware, as it often does not present symptoms.
You are more at risk of having high blood pressure if you:
One of the most commonly recommended treatments for high blood pressure is a lifestyle change. It is recommended that you exercise more, drink less alcohol, reduce salt take and eat more fruit and vegetables. Medication such as ACE inhibitors can also be used as treatment.
Having high blood pressure can potentially have an impact on your ability to get life insurance. As high blood pressure is a pre-existing condition and can also be a sign of other medical conditions, there may be extra steps needed in your application.
As mentioned above, persistent high blood pressure can lead to further health complications which insurers need to take into account. Ensuring you supply your insurer with accurate, relevant information can help make sure that, should further complications arise or you need to make a claim, your policy still remains valid.
If you already have a life insurance policy and you are diagnosed with high blood pressure, there is no need to inform your insurance provider.
It is possible to get life insurance if you have high blood pressure. However, each life insurance provider can be different, so it is likely that the cover that is offered
Life insurance companies will determine how much this will cost based on the severity of your condition. Additional factors to assess your life insurance application will look at your general health and lifestyle. This is usually determined by using a questionnaire.
Before the test, there are a few things you can do to ensure it’s accurate and as low as possible. Firstly, it’s vital to follow the instructions given to you before the examination. For example, you may be told to fast for some time before your appointment.
Also, drink more glasses of water than usual a few days before your exam, and it’s a good idea to avoid as much caffeine as possible on the day.
One of the best ways to lower blood pressure in the longer term though, is to lose weight. Carrying around excess weight forces your heart to work harder to get the blood moving through your body. In addition, your diet can be a significant factor in lowering your blood pressure. The specific foods you consume can make a big difference in your blood pressure levels.
Yes - Hypertension or elevated blood pressure is a serious medical condition that significantly increases the risk of heart, brain, kidney, and other diseases.
In order to assess the risk of providing you life insurance with high blood pressure, it is likely that an insurer will request further information about your condition.
The information requested will vary depending on the life insurance provider, however, you can typically expect to be asked:
It is important that you disclose high blood pressure and any related conditions to this in your life insurance application. Failure to do so can impact on future claims.
While having high blood pressure can easily be monitored and kept under control, there is also a concern that it may be a sign of or lead to more serious conditions.
1 in 20 cases of high blood pressure are the result of an underlying health condition, these can include:
If you have an additional condition that is relevant to high blood pressure, it is important to disclose this information to your insurance provider as this could have an effect on your application.
Life insurance providers may request a GP report as medical evidence if you do have a condition that could be linked with high blood pressure. They will ask for your permission before obtaining this medical information.
Preparation is key when it comes to applying for life insurance with high blood pressure. Life insurance providers look at applications on a case-by-case basis, this means that the more information
If you’re looking for high blood pressure life insurance, there are a number of actions you can take to improve the application process.
Have regular health check-ups with your doctor
If you have regular check-ups with your GP, for example every six months, this signals that you are looking after your condition to life insurance providers.
Get up to date blood pressure readings
Similarly, having up to date readings will be beneficial for your life insurance application.
Get the help of a life insurance expert
It can be daunting trying to find the right life insurance when you have a health condition. The cheapest insurance may not be the most suitable for you and your family. In this case, using an independent insurance broker can help you to navigate the market and compare each policy.
I’m Insured is an independent insurance broker with specialist knowledge in life insurance with high blood pressure. Our expert team has a wealth of experience in finding the right life insurance cover for people with medical conditions.
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That means you can nominate somebody to look after the money if you die and there’s a payout before you want the intended recipient to get the money. A common example is parents who want to have the payout go to a child only once the child turns 18 or 21. Putting a policy into trust also ensures that the payout goes to your intended recipient and can’t be seized by creditors if you have any debts when you die. There may also be tax benefits to putting a policy into trust.