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How to Get the Best Life Insurance With High Blood Pressure in 2024


If you have high blood pressure and your condition is well controlled with medication, you may easily qualify for preferred rates.

Getting the Best Life Insurance With High Blood Pressure & Hypertension in [2024] 

Applying for life insurance with high blood pressure is not complicated at all. It is a simple process with the right companies and a good agent. Did you know that over 70 million adults in the United States have high blood pressure? This breaks down to around 29% of all adultlife insurance with high blood pressure Americans with this condition.

Even though this is a widespread condition, the best life insurance companies for high blood pressure consider this an additional risk factor.

Using the most applicable companies for this widespread condition is critical. If your hypertension is under control, you may qualify for preferred rates using right companies. Let’s dive in and learn how to apply for the best life insurance for hypertension with the best rates.



What Are the Best Life Insurance Companies for High Blood Pressure?

Here are some of the best life insurance companies for hypertension, among other medical conditions. Remember that every applicant is different, and the best company for one person may not be the best for another.

We pre-screen our applicants to correctly choose the most applicable company that will offer them the lowest rates. Life insurance is not a one size fits all, form of insurance.

  • Prudential
  • Liberty Financial
  • AIG American General
  • Banner Life
  • Protective Life
  • Transamerica

We work with over 40 companies and know from experience that these six carriers are applicant-friendly to people with hypertension.


Can I Get Life Insurance With High Blood Pressure?

Currently applying and getting approved for high blood pressure life insurance is extremely simple and with no medical exam life insurance you can get approved within 24 to 48 hours.

The question of whether you can get life insurance with elevated blood pressure always comes up, and the answer isBest Life Insurance for High Blood Pressure usually yes, as long as your pressure readings are stable and within the recommended limits.

You can apply and be approved for life insurance with excellent rates even though you use high blood pressure medication on a daily basis. 

The main concept is keeping your blood pressure within limits using medicine. If you have hypertension and do not use medication, that can be a problem because it looks like you don’t care about your health.

Having a history of elevated blood pressure is one thing, but if it is controlled with medication, the best life insurance companies for high blood pressure are happy and with issue preferred rates.


Can High Blood Pressure Affect My Rates?

As long as your condition is controlled with medication, you can receive preferred rates for life insurance and high blood pressure.

Having high blood pressure can affect your rates but if your readings are within safe limits you’re going to qualify forbest life insurance for hypertension excellent rates as long as you don’t have other medical conditions to be concerned about. All life insurance companies pay attention to hypertension.

The carriers look for regular blood pressure readings that are stable and do not excessively fluctuate from day to day.

Getting life insurance with controlled hypertension is usually a snap with modern medications, proper diets and eliminating smoking and drinking excessive amounts of alcohol. When the carrier’s underwriters find that excellent safe blood pressure readings are not apparent, a red flag goes up right away. The higher your blood pressure readings, the higher your rates could become or simply be declined. 

If you are shopping for the best life insurance quotes with high blood pressure, you will qualify for excellent rates with controlled pressure reading kept in check by your medication. Also, visiting your doctor twice a year will monitor your condition closely.

Best Types of Life Insurance With Hypertension

Term Insurance – Temporary Coverage

The first type of life insurance for elevated blood pressure is Term Life Insurance plan designs which are the temporary plan designs. These policies cover the insured for a specific time stated in the policy contract. These term periods usually range from 10 years, 15 years, 20 years, 25 years, and 30 years.

An excellent company from Maryland called Banner Life now offers 35-year and 40-year term policies. This works out great for people looking for long-term periods, especially for younger applicants.


Universal Life – Permanent Coverage

The second type of life insurance with high blood pressure would be the permanent life insurance plan designs such as universal and whole life. Universal life insurance will last the entire lifetime of the individual covered under the policy. It costs about 3-4 times as much as a term, but it can be bundled with a term to create an excellent life insurance portfolio.

Whole life insurance is not cost-effective, and many companies have dropped it from their product lines. A Whole Life policy costs about ten times as much as term plans. The cash build-up feature is what drives up the cost of the premium.

Here is a list of the four most common types of life insurance with pre-existing hypertension. Click on the links below to learn more about each type.


Can I Buy High Blood Pressure Life Insurance Without Taking a Medical Exam? 

Yes, you sure can, and you have a great choice of companies to choose from too. Many people want to buy life insurance but dread taking a medical exam. Blood tests are usually the part people dislike, preventing people from applying.

If you are one of those people, you can stop worrying now because there is another way. No Medical Exam Life Insurance may be just the right plan design for you, and these plans can have approval times of 24-48 hours, which is a fraction of the fully underwritten plans. You can easily find the best high blood pressure life insurance that does not require medical records or a physical exam.


What Are the Risk Factors of High Blood Pressure?

The most critical issue of elevated blood pressure is the excessive damage placed on arterial walls caused by hypertension. These elevated pressure readings can and eventually will damage blood vessels and internal organs. The higher the blood pressure and the longer it goes untreated, is a recipe for life-threatening damage.

If elevated blood pressure is left untreated, it can lead to risk factors such as:

Heart Attacks & Strokes

High blood pressure can thicken and harden the artery walls, leading to fatal heart attacks or massive strokes. This is the main reason that all the best high blood pressure life insurance companies take hypertension seriously.


Narrowing or partially blocking arteries can constrict and significantly limit blood flow to the brain. The result can become a case of dementia leading to a specific type of dementia (vascular dementia). A stroke interrupts blood flow to the brain and can also cause vascular dementia. A stroke can even cause this form of vascular dementia.

Thick, Torn, or Narrow Blood Vessels in the Eyes:

If your eye’s blood vessels are affected, it can cause partial or complete vision loss. This is another good reason to maintain controlled hypertension.


High blood pressure can cause your blood vessels to weaken and bulge out of shape, forming what is known as an aneurysm. The main problem is if an aneurysm ruptures, it can be fatal. Unfortunately, a person will often hemorrhage to death before they can get to a hospital. Elevated blood pressure can cause these aneurysms to start and steadily get more intense until they can burst from the steadily rising pressure.

Kidney Failure:

 Restricted blood flow to the kidneys caused by hypertension can cause kidney damage or complete failure, which is also life-threatening. There is a direct correlation between your kidneys and elevated blood pressure.

Memory and Comprehension Issues:

High blood pressure can also affect one’s ability to think, understand and remember. Many people with hypertension also experience poor memory that worsens over time.

Applying for life insurance with elevated blood pressure is different from years ago. Hypertension can be easily controlled with modern-day medication, and the carriers can issue preferred rates.

Can Using High Blood Pressure Medication Affect My Rates?

If you have a history of elevated blood pressure, using high blood pressure medication is a plus. It shows thehigh blood pressure life insurance options insurance companies that care about your health and want to work at lowering your blood pressure. Anytime you apply for life insurance with high blood pressure. The company will look closely at what prescription medications you are taking.

Also, the daily dosage is essential, even if you take medicine that keeps your readings at perfectly normal levels. One of the big questions they want answers to is how long your pressure readings are steady and under control.

The last issue they want to see is fluctuating high-pressure readings daily. Taking any form of medication will be taken into consideration by all the insurers.

Here is an essential list of medications used to control high blood pressure.

These are the most common drugs they look for in your application.

  • Diovan
  • Bystolic
  • Lisinopril
  • Toprol
  • Atenolol
  • Metoprolol
  • Hydrochlorothiazide
  • Amlodipine


What Pressure Readings Are Considered Hypertension?

What is Considered Normal, and What is Considered High?high blood pressure and life insurance

Blood pressure readings are broken down into two different numbers.

Systolic – This is the upper number which is the maximum pressure your heart exerts while beating.

Diastolic – The lower number is the pressure in your arteries between beats.

A common question is what number is more important than the other. Much medical research has been done concerning this question, and it has been found that both numbers are equally important in good heart health.

For example, remember that most research has shown that a greater risk of stroke and heart-related disease can be linked to higher systolic pressures compared to increased diastolic pressures.

The Blood Pressure Guidelines Are as Follows:

  • Normal – Systolic: 120 / Diastolic: 80
  • Prehypertension – Systolic: 120-140 / Diastolic: 80-90
  • Stage 1 Hypertension – Systolic: 145-160 / Diastolic: 90-99
  • Stage 2 Hypertension – Systolic: 160-180 / Diastolic: 100-110
  • Major Hypertension – Systolic: Over 180 / Diastolic: Over 110

Blood Pressure Can Increase With Age

A person’s average blood pressure readings may vary depending on their age. As people get older, they are more likely to encounter elevated blood pressure. This is due to the fact that blood vessels become stiffer and less flexible with age, which increases blood pressure readings. Approximately half of the adults in the United States have high blood pressure to some degree.

What are the Symptoms of High Blood Pressure?

There are no symptoms of hypertension, which is why the condition is referred to as the “silent killer”.

Most people have no signs or symptoms, which is the tricky part. Even if pressure readings reach dangerously high levels, they don’t know it because there is no pain or discomfort. The worst part of this medical condition is you may never know you have it unless you are tested.

That is why it is essential to go to the doctor periodically. You can qualify for excellent rates by keeping your condition in check. Some people complain of headaches, shortness of breath, or even nosebleeds. However, these symptoms usually aren’t reached until a life-threatening stage is present.

This means that your high blood pressure has escalated to a possible advanced stage and you would not even know it. This is when the condition is at a dangerous point.

The most important aspect of high blood pressure is that there are no symptoms at all. You may feel perfectly normal, but your blood pressure may be putting you at serious risk. This is why semi-annual visits to your doctor’s office are so necessary.

When Should I See a Doctor?

If you are a hypertension patient already, visiting your doctor twice a year is recommended and you should have your own blood pressure tester.

Your blood pressure check should be the first step in your office visits to your doctor. Then, as the doctors should do,hypertension life insurance rates pressure checks on both arms. This is to see if there is any difference in pressure readings. Finally, your doctor will use the correct size cuff to fit your arm size properly.

Too small a cuff size can give a false reading of having this condition. If you’ve already been diagnosed, your doctor recommends more frequent examinations. An electronic pressure tester can be purchased for home use for less than $75.00. They are straightforward to use without any medical training required.


The Two Main Types of High Blood Pressure

Primary Hypertension:

For most people, there is no identifiable cause of high blood pressure. This type of condition is called primary hypertension, gradually developing through the years.

Secondary Hypertension:

An underlying medical condition can be the second type of cause of hypertension. This type is called secondary hypertension. Secondary hypertension tends to appear suddenly and causes a more advanced degree than primary hypertension. Some medications can cause secondary forms of hypertension from side effects, including:

  • Kidney problems
  • Adrenal gland tumors
  • Thyroid conditions
  • Defects in the blood vessels that you were born with.
  • Medications include birth control pills, cold remedies, decongestants, pain relievers, and even prescription medications.
  • Illegal drugs, such as cocaine and amphetamines, can create hypertension. 
  • Drinking alcoholic beverages is usually in excess.

What Causes High Blood Pressure?

The following categories are some of the leading causes of high blood pressure. You will find that you have no control over some of these causes, and you can work with others to lower your blood pressure in the future.


The risk of this condition increases as you get older. Through early middle age, or about age 40, high blood pressure is more common in men. Women will usually develop hypertension after age 60.

Family History:

High blood pressure tends to be passed along in family genes. Therefore, many people with hypertension also have hypertension in their parent’s health history.

Overweight & Obesity:

The more you weigh, the more blood you need to supply oxygen and nutrients to your tissues. Body fat is also required to be provided with blood flow. As blood volume circulates through your blood vessels, so does the pressure on your artery walls. The pressure on the artery walls is hypertension.

Physical Activity:

People who are sedentary and inactive tend to have higher heart rates. The higher your heart rate, the harder your heart must work. This creates a more potent force in your arteries. Lack of physical activity also causes people to become overweight or obese. Exercising is excellent for your overall health and reduces your hypertension.

Tobacco Products:

Smoking or chewing tobacco immediately raises your blood pressure. The dangerous chemicals in tobacco, such as nicotine and tar, can damage the lining of your artery walls. This causes your arteries to narrow, increasing your pressure levels. Even inhaling secondhand smoke can increase and amplify your condition.

Sodium Intake:

Too much sodium (salt) in your diet can cause your body to retain fluids. The added fluids magnify your hypertension condition. You may have to work hard to limit the salt in your system. This is because just about everything you eat has salt added to it.

Insufficient Vitamin D:

Too little vitamin D in your diet can lead to high blood pressure. Vitamin D may affect enzymes produced by your kidneys that directly impact your pressure readings.

Alcohol Abuse:

Heavy drinking can damage your heart as time passes. Having more than two drinks a day may affect your pressure readings. Always drink in moderation.

Mental Stress:

High-stress levels can lead to a temporary increase in pressure. If you try to relax by eating more, using tobacco products, or drinking alcohol, you will only increase your problems.

Chronic Medical Conditions:

Chronic conditions may also increase your risk of high blood pressure, such as cardiovascular conditions, kidney disease, and diabetes.

Children Can Also Be at Risk of Hypertension 

Although this condition is by far the most common in adults, children could also be at risk for a growing number of kids, poor lifestyle habits, such as an unhealthy diet, obesity, and lack of exercise. This can also contribute to higher than regular blood pressure readings. 

Excessive pressure levels on your arterial walls caused by this condition can damage your blood vessels. This can also damage the vital organs in your body. The higher your pressure readings and the longer it goes uncontrolled, the greater the damage to your health.

Preparing For a Blood Pressure Test

If you drink caffeine containing drinks such as coffee or tea before your blood pressure test, you could very easily raise your pressure readings and cause a problem with your exam results.

Before your Para-med visit, ensure you do not drink coffee, tea, or any energy drink. Anything containing caffeine will elevate blood pressure test readings if a Para-med nurse takes your blood pressure and finds high readings. Those results will go to the insurance company’s underwriting department to be noted on your application. 

This will cause complications with what should typically be a smooth sailing-application process. At this point, you will have to prove that this elevated reading is not your average reading. Remember that life insurance companies adjust their health classifications to your hypertension severity level.


Questions the Carriers Will Ask When Applying for High Blood Pressure Life Insurancebest life insurance rates with hypertension

  • Do you have a history of elevated pressure readings?
  • Do you have a family history of high blood pressure?
  • What prescription medications are you currently taking?
  • What is your average blood pressure reading when tested?
  • When was your last blood pressure test?

*These questions are essential so the medical underwriter knows what health classification to place you in. In addition, this will determine your final rate once your application has been completed.

Are Carriers Concerned About My Height & Weight?

Being overweight usually always causes high blood pressure issues.

Height and weight will have a direct reflection on hypertension. Many overweight people have high blood pressurebest life insurance for high blood pressure , which usually goes hand in hand. A medical underwriter will closely examine your most recent pressure readings.

As a result, they will also look at your long-term history with the condition. There are blood pressure readings that will determine what your status is as a medical risk.


Three Basic Health Classifications:

Standard Rate Class:

This generally requires a steady reading that does not exceed 150/90, controlled by medications. Readings may be higher for older age groups of those over 50 and 60 years of age.

Preferred Rate Class:

You may be considered a preferred risk if your readings are under 140/90, controlled by medication. Also, a reading of 150/90 without a prescription depends on the insurance carrier. This would entitle you to lower premiums than those in the Standard rate classification.

Preferred Best Rate Class:

If your blood pressure readings are under 140/90 and you are not on any medications. If you are not considered hypertension, you would be eligible for the lowest possible premium rate class.


What Are the Benefits of Working With an Independent Agent?

An independent agent is also referred to as a broker. These agents, such as ourselves, work with all the top-Elevated high blood pressure life insurancerated insurance companies in the country. Independent agents, especially those specializing in life insurance, will know which company is the best fit and offer you the lowest rates.

They do not work for insurance companies, so they always have your best interest in mind and not carriers like a captive agent such as a State Farm agent. When finding the lowest rates for people with health conditions, these brokers give you the best advantage of being approved with the lowest premiums possible.

Time-consuming paper applications are now obsolete. You can now apply over the phone within 15 minutes and be approved within 24-48 hours without having to take a medical exam!

What Does High Blood Pressure Life Insurance Cost?

The cost of life insurance will depend on several categories to consider. For example, if you are interested in comparing life insurance quotes for high blood pressure, the severity of your condition needs to be known first. In addition, how well it is controlled by medication is a crucial factor the insurer’s underwriters will be looking at.

You can use our instant quoting system to compare life insurance quotes for high blood pressure from about 40 carriers. Use the preferred or standard plus rates in the health class drop-down menu if you have a mild condition or hypertension. If your case is more severe, you can use the standard rates in the drop-down menu. If you want to get your quote quickly, contact us and we will be happy to quote you right over the phone.

Just keep in mind this is just speculation because an experienced agent needs to be consulted to know for sure. Here is a simple list of the underwriting categories I referred to above, depending on what type of policy and company you are applying with.

  • Current Age
  • Tobacco Use
  • Medical Conditions
  • Para-Med Exam
  • Driving Record
  • Parent Longevity
  • Medical Records
  • Height & Weight
  • M.I.B. Report

If this looks complicated, don’t worry because it’s not. Your agent does about 90% of the work, and all you have to do is answer a few questions using a simple telephone application.


What Is a Medical Pre-Screen?

When we oversee applicants applying for life insurance with hypertension, we don’t want them to run into surprises. However, we also want them to receive the best rates during the application process. We created a straightforward 5-minute medical pre-screen form that asks a few questions to better understand their health history better and make sure we have them apply with the correct insurer.

The result is a smooth application process and securing the lowest premium possible.


Using Tobacco & Alcohol Along With High Blood Pressure

Smoking cigarettes will place you in a smokers class which will increase your rates by approximately 250 percent.

Smoking cigarettes while suffering from high blood pressure tells the insurance carriers you don’t really care aboutlife insurance options with high blood pressure your health. This will definitely be a negative aspect of your application.

Drinking alcoholic beverages to any excessive degree along with smoking will really create a problem and place you in a lower health classification or possibly even a decline of your application.

If you smoke, you should seriously think about quitting for your health not just the problems it will cause when applying for life insurance.

In Conclusion

If you are planning on applying for life insurance with hypertension, call us for a free quote right over the phone.does high blood pressure affect life insurance rates We can quickly point you in the right direction. You can activate our website’s quote engine and compare instant life insurance quotes from over 40 companies.

You will then get an idea of the approximate cost for the plan design you are interested in. If you have any medical conditions, we can go over all your options with you before you apply. Many thanks for reading this blog post!

All the best,
Jack Venturi

If you have any questions about purchasing life insurance with hypertension, contact us today and let us help you with no cost or obligation. Our job is to help you get the best policy and the lowest rates. You can also set up a time to speak with us and get all your questions answered.


Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience selling individual and commercial insurance including Property & Casualty, Health, Disability and Life insurance. Jack has helped thousands of people all across the United States purchase the best life insurance products at the lowest possible premiums over the phone (708)-334-6226 and online.

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