April 3, 2017
Do you suffer from high blood pressure? If so, you’re not alone. According to the Centers for Disease Control and Prevention (CDC), almost one in three U.S. adults have high blood pressure—that’s a total of 75 million people! Unfortunately, high blood pressure can cause strokes and heart disease, and those are among the leading causes of death in the U.S. In fact, in 2014, more than 410,000 people died due to high blood pressure or a related condition.
Knowing this, it’s not surprising that insurers want to know if you have high blood pressure when you apply for life insurance. However, it’s important to understand that if you do, it doesn’t automatically mean your application will be denied.
Blood Pressure Readings and Health Classification
A life insurance company will evaluate your blood pressure readings to help determine your insurability. In addition, it will also look at the rest of your health information; plus, it will take lifestyle factors into account. The following list will give you an idea of how your health classification and premiums are impacted by blood pressure levels alone:
• Substandard: If your blood pressure is 160/90 or higher. Substandard premiums are up to 25 percent higher than standard premiums.
• Standard (or regular): If your levels are 160/90 or lower.
• Standard plus: Only if your blood pressure is 152/92 or lower.
• Preferred: 140/90 or lower if you take blood pressure medication, or 150/90 if you don’t.
• Preferred plus: No higher than 140/85. Less than five percent of people qualify for this level.
Of course, if you use tobacco, don’t exercise, and don’t maintain a healthy weight, you could be classified as substandard even if you have relatively good blood pressure levels. On the other hand, if you have high blood pressure readings and take action to lower them through diet, exercise, and even medication, you can improve your health classification. After 12 months, you’ll be eligible to apply for a reconsideration. If you can prove your blood pressure is consistently lower than it was when you first applied, your insurer will likely reduce your premiums. Nevertheless, in order to get the lowest premiums, it’s always advisable to work with your physician to get your condition under control before applying for a life insurance policy.
A Life Insurance Agent Can Help You Get the Best Life Insurance Policy
An independent agent can greatly enhance your chances of getting an affordable policy. Especially when you have high blood pressure, it’s challenging to figure out what you need to do before applying, let alone which insurers offer the best options for your situation. An experienced life insurance agency like Liberty Financial Group can assess your information, advise you on the best course of action, and help you throughout the application process. Contact Liberty Financial Group to learn more about how we can help you get the right life insurance policy for your needs.
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