Can I get life insurance with high blood pressure? | finder.com
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Life insurance with high blood pressure

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Follow your doctor’s orders to get the best rates.

Many people think they can’t get life insurance if they have high blood pressure, or that they’ll have to pay sky-high premiums. But there are ways to lessen the impact, especially if you’re able to control your blood pressure and know the right steps to take when shopping for a policy.

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Can I get life insurance if I have high blood pressure?

Yes, it’s possible to get life insurance if you have high blood pressure. But your premiums will depend on how long you’ve had high blood pressure and whether you’ve been able to get it under control.

If you were diagnosed with high blood pressure in the past, but it’s now at a healthier level due to medication, diet or exercise, you’ll likely qualify for competitive rates.

But if your blood pressure is still high, you’ll likely pay higher rates — especially if you’ve had high blood pressure for a long time or you haven’t seen a doctor for it before.

Compare life insurance companies

Name Product Issue Ages Coverage Range Medical Exam Required
21 - 54 years old
$50,000 to $1,000,000
No
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.
20 to 60 years old
$100,000 to $8,000,000
No
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
Compare quotes from 16 life insurance companies side by side.
18 - 64 years old
$100,000 to $3,000,000
No
Customized term life insurance policies up to $3 million, no medical exam required.
18 - 80 years old
$50,000 to $25,000,000
Depends on provider and policy
Get a quote within minutes from more than a dozen insurers.
20 - 85 years old
$100,000 to $1,000,000
Depends on policy
Get a term or whole life insurance quote from Fidelity Life - starting as low as $15/day.
20 - 80 years old
$25,000 to $10,000,000
No
Quickly get a quote for coverage with this marketplace, which compares term & whole life insurance policies from 45+ carriers.

Compare up to 4 providers

Why do insurers care about my blood pressure?

Your premiums are based on the likelihood of the insurer having to pay out on the policy. Higher risk applicants pay more for insurance, because it’s more likely that they’ll die before the policy expires.

High blood pressure can be an indication of future health problems, including heart attack or stroke. The longer your blood pressure is elevated, and the higher it is, the higher your risk is for major health problems or even death.

Managing your blood pressure is essential for better rates

Taking steps to improve your blood pressure is essential — both for your health and for lowering your life insurance premiums.

Talk with your doctor about a healthy exercise and diet plan, and take all of your prescribed medications. If you don’t like one of your medications, talk with your doctor before discontinuing it — stopping without medical supervision can be dangerous.

Once your blood pressure is better controlled, talk with your life insurer to find out if you’re eligible for lower premiums.

Questions you might be asked in relation to high blood pressure

  • What was your most recent blood pressure reading?
  • When were you first advised that you had high blood pressure? What was the blood pressure reading at that time? What was your blood pressure before you were diagnosed with high blood pressure?
  • How often do you see your doctor for check-ups or tests? When is your next check-up?
  • Are you currently taking medication for high blood pressure? If so, what’s the medication and dosage?
  • Has your treatment or dosage changed over the last month? If so, why?
  • Do you manage your high blood pressure in ways other than with medication?
  • Has your doctor advised you to take other forms of testing such as ECG, urinalysis or echocardiogram? If so, provide details.
  • Has the underlying cause of your high blood pressure been found? If so, provide details.

What to look for when comparing policies with high blood pressure

If you have high blood pressure, there are a number of factors to consider when shopping for life insurance. Look at key areas like:

  • How much the insurance coverage will cost
  • The level of coverage you get for your money
  • What the plan does and does not cover (pay attention to the exclusions)
  • The claims process
  • Whether the coverage is term life insurance or whole life insurance
  • The length of the term, if it’s a term life insurance policy

Bottom line

Insurers will consider your high blood pressure when determining whether you qualify for life insurance and at what rate. But high blood pressure isn’t a deal-breaker, and you could get a lower rate by managing it successfully and leading a healthy lifestyle.

Carefully consider and compare your options to ensure you’re getting the best policy for your needs and at the best rate.

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