If youâ€™re among the 75 million Americans â€“ thatâ€™s one in every three adults â€“ with high blood pressure, thereâ€™s a lot you can do to control it and reduce your risks of heart disease and stroke.
Living well with high blood pressure (hypertension) also means you can qualify for life insurance even if youâ€™ve never applied, are middle age or older, or have been turned down previously.
Underwriters â€“ the people who review your life insurance application and assess if youâ€™re a good candidate for insurance coverage â€“ look at your overall health and your lifestyle, along with your blood pressure history.
Here are some common questions about how insurance companies assess individuals with a chronic health condition such as high blood pressure:
Is High Blood Pressure a Major Concern for Getting Life Insurance?
If youâ€™re getting proper medical care for your hypertension and itâ€™s well under control, quality insurance companies consider this a minor problem and you can most likely qualify for coverage at a reasonable rate.
What is Normal Blood Pressure?
Two numbers are used to measure blood pressure, reported as a ratio. The top number, systolic, measures the pressure in your blood vessels when your heart beats. The bottom number, diastolic, measures the pressure in your blood vessels when your heart rests between beats. A blood pressure reading of less than 120/80 is normal. A reading greater than 140/90 is high blood pressure.
What Are the Symptoms of High Blood Pressure?
High blood pressure has no warning signs or symptoms. Many people do not know they have it. The only way to know if your blood pressure is normal or high is to have a qualified medical professional measure your blood pressure. Then you can take steps to control it if it is too high.
Is All High Blood Pressure Alike?
- Primary hypertension affects 90-95 percent of people with high blood pressure and the cause is non-specific. Causes can include genetics, diet, being overweight and drinking too much alcohol. This type is also more common as you age, if you have a family history of hypertension or are from certain ethnic groups.
- Secondary hypertension comes from an underlying cause, such as kidney failure. This is a more severe type of hypertension and would more likely affect your ability to qualify for life insurance.
What Information Do I Need to Apply for Life Insurance if I Have Hypertension?
Your application will most likely ask for these facts:
- Approximate date your high blood pressure was diagnosed.
- Your latest blood pressure reading and the date it was taken. This should ideally be within the past three months.
- Details about medications you take and how long youâ€™ve been taking them.
- Details about any other health complications such as kidney disease, high cholesterol, etc.
How Do I Start My Application for Life Insurance?
SelectQuote agents shop many qualified insurance companies to find the right policy and price for your particular situation. Discuss your needs and concerns with a licensed SelectQuote life insurance agent today.
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