Complete Financial Questionnaire

Life Insurance with High Blood Pressure

high blood pressure and life cover

You don’t smoke, you’re in good shape, exercise regularly, eat plenty of greens and you still suffer from high blood pressure or hypertension.

It doesn’t seem fair.

But if you have been diagnosed with hypertension, you can count yourself lucky in a weird way.

Why?

Because you can do something about it.

It’s estimated that hypertension affects over 60% of over 45-year-olds in Ireland. Because the condition is usually symptomless, most people have no idea they are at risk until it is too late.

So you’re “lucky” even though you may not feel like that right now ?

hypertension in ireland

What is high blood pressure?

Blood pressure is the amount of work your heart has to do to pump blood around the body.

High blood pressure (hypertension) means your blood pressure is consistently higher than it should be. You can have high blood pressure for many years without any symptoms. Even without symptoms, damage to blood vessels and your heart continues.

The higher your blood pressure, the greater your risk of heart attack or stroke.

Normal blood pressure is usually about 120 over 80.

The 120 represents the heart contracting, pushing the blood out; that’s the systolic pressure. When your heart is at rest in between beats, that’s the diastolic pressure. It’s the lower reading, or the 80 if your blood pressure is 120 over 80

Let’s start 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.

Will hypertension affect my life insurance application?

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.

How does high blood pressure affect my mortgage protection application?

If you’re looking for mortgage protection and you suffer with high BP,  underwriting will be interested to know:

  • Do any other health conditions exist?
  • Is your blood pressure under control for at least 6 months?
  • Do you smoke?
  • Are you overweight?
  • Is your cholesterol raised?
  • Are there any other risk factors – e.g. family history of early heart disease or diabetes?

If none of those factors applies to you, then you should get the normal price.

However, if you nod your head and 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 can give meds and most recent readings this should be enough to get cover.

Otherwise, the insurer will write to your doctor for a medical report. They’ll need to know:

  • When were you diagnosed?
  • Why did you have your blood pressure read at that time? (routine or due to symptoms)
  • What was reading at diagnosis?
  • What are your latest readings?
  • Have you had any tests as a result of high blood pressure?
  • Are you on medication?
  • Have you had a urine test?
  • Have you had a 24-hour blood pressure monitor?
  • Do you smoke?

How much does life insurance with high blood pressure cost?

You can get compare life insurance quotes on our quote machine.

If your blood pressure is managed and under control, you may get the same quote as your buddy with normal blood pressure.

But, your quote could increase by 50 to 100% if your BP is outside the normal range with meds.

How we help you

We’re the experts when it comes to getting cover for clients with all sorts of quirky conditions.

We know which insurer is best for life insurance for someone with high blood pressure.

This means you’ll get life insurance at the lowest possible price with the least amount of hassle.

If you have a pre-existing condition, the first thing we do speak to our panel of underwriters anonymously.

Discussing your medical history helps us to identify the best company to apply to.

This also means you avoid applying to companies that will end up being too expensive or worse, refuse your application.

By completing our research thoroughly, we are able to save time and obtain the best possible terms for you with the least amount of hassle.

Over to you…

Are you worried about the price of your life insurance with high blood pressure?

Let me help get you the best coverage with the least amount of hassle.

Complete this blood pressure questionnaire, and I’ll be right back.

Or if you prefer the phone, I’m on 05793 20836 or schedule a callback here.

Talk soon!

Nick McGowan
lion.ie | making life insurance easier.

life_insurance_schedule_a _call

Medical Issues & Life Insurance
Give us a quick outline of how we can help and we'll be right back to you.

Life Assurance Loading Reasons and Solutions

So those scoundrels at Aviva, Irish Life, Royal London, New Ireland or Zurich Life have increased your premium, eh?

And you're wondering why?

Let me explain:

Don’t know where to start?

Have a nose through our free life insurance guides

View our guides

Life Insurance Quotes - Free and Easy!

As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

Watch our video