Life Insurance and High Blood Pressure

Life Insurance and High Blood Pressure

High blood pressure can impact your life insurance premiums but insurance can be available if it is generally under control by medication and lifestyle. Please do not expect preferred and elite rates when you have high blood pressure as that would be hard to get. Those rates come only when health is excellent and so is family medical history. Life insurance is generally denied if your blood pressure is not under control or when it is clubbed with another serious health condition.

Every insurance company is different in dealing with rates and underwriting for HBP. Please visit our Request for a Quote page and see what kind of rates you can get. Please work with experience brokers who have had an experience to work with people with High Blood Pressure. You may get a lot of valuable insight and guidance on the right way to acquire life insurance.

Factors to keep into account while applying for life insurance under the consideration of high blood pressure.

  1. Height and Weight – Insurance is often hard to get for a person who has high blood pressure and who is obese. People who are  30-40 pounds overweight, they may qualify for only a sub-standard rated life insurance (a higher premium due to health issues).
  2. White Coat Syndrome – White Coat Hypertension aka White Coat Syndrome, is a phenomenon where patients have high blood pressure in medical settings only. If you have White Coat Syndrome, you should tell your broker to let the paramedical company, that is taking the pressure reading, know. This condition should be recorded in the application for the attention of underwriting.
  3. The Insurance Company – Every life insurance carrier has its own unique underwritting criteria.
  4. Blood Pressure Readings – Readings like 120/80 are considered perfect, however  in excess of 140/90 for anyone under the age of 65 is a potential red flag when try to qualify for coverage. Please refer to this link: http://www.heartandstroke.com/site/c.ikIQLcMWJtE/b.3484023/
  5. High Blood Pressure Under 30 – Applicants under 30 with high blood pressure will be heavily scrutinized, as it is less common in younger people.

If traditional insurance is unavailable to you, there is still hope in the form of either non-medical insurance or guaranteed issue policies that don’t require a medical exam.

Guaranteed Issue Life Insurance: Many different types of life insurance are available throughout Canada and through a variety of different companies. Some people may not be able to qualify for traditional life insurance, so they need to find a policy that they can get. Guaranteed issue life insurance can be a great option for many people. However, it’s not always the right fit for all people. To know if this type of insurance is the best choice for you, it helps to learn more about it so you can see the pros and cons.

Please feel free to contact Aman Kapur at www.youinsuranceguy.ca or by phone 1-416-509-2540 to assist with the plan of your choice. Or simply click here to request a quote.
 

 

Related links:

Guaranteed Issue Life Insurance is a great choice for some 

Many different types of life insurance are available throughout Canada and through a variety of different companies. Some people may not be able to qualify for traditional life insurance, so they need to find a policy that they can get. Guaranteed issue life insurance can be a great option for many people. However, it’s not always the right fit for all people. To know if this type of insurance is the best choice for you, it helps to learn more about it so you can see the pros and cons…

 

What is Non-Medical Life Insurance

Buying a life insurance policy often comes with quite a bit of paperwork, and one of those forms asks questions about your medical history. You have to fill out these forms if you want to qualify for the life insurance policy. However, some people aren’t going to qualify for these policies because of their medical history or condition, and this can jeopardize their family’s financial security  in the event of their death. It might seem like all hope is lost, but it’s not! You have the option of non medical life insurance that don’t require a medical exam…

 

Preferred and Elite Rates in Life Insurance ( a Video)

Preferred and Elite Insurance rates are actually discounted rates that reduce your insurance rates from standard rates. People get entitled to these rates upon having a very good health and also a clear family medical history. The underwriting process in tha application stage identifies whether the rates are standard, preferred or elite. Some insurance companies apply preferred and elite rates, upon approval, only beyond certain face amounts, i.e $applied only beyond $200,000.00 of coverage…

 

 

 

 

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