Here comes the science…
Let’s start off with the definition of high blood pressure (hypertension).
You’re said to have high blood pressure when your levels are above the normal range for your age and gender.
So you have high blood pressure if your reading is above 140/90 (e.g 150/90, 160/80)
It’s the first number that’s most important.
It depends on the type of high blood pressure you suffer with:
1. Primary hypertension occurs without a known cause and is treatable. It accounts for 95% of all cases of high blood pressure.
2. Secondary hypertension occurs where there is a known cause (e.g heart or kidney disease)
3. White coat/labile hypertension describes one-off elevations during a medical examination.
4. Gestational hypertension is common in pregnancy.
5. Malignant hypertension describes elevated blood pressure with severe organ and arterial abnormalities.
For life insurance with high blood pressure, underwriting will ask:
If none of those factors apply to you, then you should get the normal price.
If you answer yes to any of those questions, the life insurer will need more information from you.
This will take the form of a high blood pressure questionnaire. If you have this information up front, you will get a quick decision.
Otherwise, the insurer will write to your doctor for a medical report.
If the insurer can’t make a decision based on the questionnaire, they’ll write to your GP.
If your blood pressure is managed and under control you may get the same quote as someone with normal blood pressure.
But, your quote could increase by 50 to 100% if your condition is more serious.
We’re the experts when it comes to specialist life insurance.
I deal with tricky life insurance applications every day.
So I know which insurer is best for life insurance with high blood pressure.
This means you’ll get life insurance at the lowest possible price with the least amount of hassle.
Are you worried about the price of your life insurance with high blood pressure?
Let me help get you the best cover with the least amount of hassle.
Complete the blood pressure questionnaire below and I’ll be right back.
Or if you prefer the phone, I’m on 05793 20836
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