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Life Insurance With High Blood Pressure
High blood pressure is so common that carriers see it every day -- and well-controlled blood pressure is viewed very differently from uncontrolled readings.
Having high blood pressure, or taking medication for it, doesn't automatically rule out life insurance. What usually matters is how well it's controlled, how long you've been treated, and whether it has affected your heart, kidneys or other organs.
Why blood pressure matters to underwriting
Long-term high blood pressure is linked to heart disease and stroke, so carriers look at your readings and treatment. Stable, controlled readings on medication are commonly treated much more favorably than recent high readings.
The kind of information commonly considered
Underwriting commonly looks at recent readings, treatment and related health factors.
- Recent blood pressure readings, and whether they're consistent
- Medications and how long you've taken them
- Related conditions -- cholesterol, heart issues, kidney function, diabetes
- Height, weight and tobacco use
Why carriers differ
Some carriers are more favorable toward treated, controlled hypertension than others, and some products ask fewer health questions. Comparing more than one carrier can matter.
Why a webpage can't determine approval
Two people with the same diagnosis can have very different readings, histories and related conditions. Only a licensed underwriting review of your application can decide approval and rate class.
What may be useful to have ready for the call
Recent numbers make the conversation faster and more accurate.
- Your last few blood pressure readings, if you know them
- Your medications and doses
- Any related diagnoses
- Roughly how much coverage you're looking for
Your next step
Check other health situations, or go straight to calling a licensed agent.
Common questions
Can I get life insurance if I take blood pressure medication?
Often yes. Taking medication for blood pressure is very common among applicants. Readings that are controlled on medication are generally viewed more favorably than untreated high readings.
Will high blood pressure raise my life insurance rate?
It can affect your rate class, depending on your readings, how long it's been controlled and any related conditions. Well-controlled hypertension with no complications may have little effect with some carriers.
Should I wait until my blood pressure is under control to apply?
Recent, stable readings generally help. A licensed agent can talk through whether to apply now or after a period of consistent readings, based on your situation.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.