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Life Insurance with High Blood Pressure

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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.

Will my blood pressure 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 life insurance application?

For life insurance with high blood pressure, underwriting will ask:

  • 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 apply to you, then you should get the normal price.

Life insurance with high blood pressure questionnaire:

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.

  • 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?

If the insurer can’t make a decision based on the questionnaire, they’ll write to your GP.

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 someone with normal blood pressure.

But, your quote could increase by 50 to 100% if your condition is more serious.

How  do we help you?

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.

Over to you…

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

Or if you prefer the phone, I’m on 05793 20836

Nick McGowan | making life insurance easier.

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