Can You Get Life Insurance With High Blood Pressure? Read Our Complete Step-by-Step Guide for 2025 + YouTube Video
Yes, you can get life insurance with high blood pressure. If you’re living with high blood pressure and wondering whether you can still get life insurance, you’re not alone. Many
people with this condition worry that they won’t qualify or that their premiums will be too expensive.
The good news? You can get life insurance with high blood pressure—and in many cases, it’s more accessible and affordable than you might think. You may even qualify for preferred rates.
In this guide, we’ll break everything down in simple terms. You’ll learn how high blood pressure affects your life insurance options, what insurers look for during the application process, and how you can secure the best rates.
Whether you’ve been managing your condition for years or were recently diagnosed, this article is here to help.
Table of Contents
Frequently Asked Questions: High Blood Pressure Life Insurance
Let’s get the majority of your questions answered right away with our FAQ section.
1. Can I get life insurance with high blood pressure?
Yes! Most people with hypertension qualify for coverage, especially if your condition is controlled. If you have normal and steady blood pressure readings while taking medication, you may qualify for preferred rates.
2. Will high blood pressure make my life insurance more expensive?
It can, but if your hypertension is well-managed, you may still get competitive rates. Uncontrolled or severe hypertension can lead to higher premiums.
3. Do I have to take a medical exam?
Most traditional policies require an exam. You can also apply for a no-medical-exam policy or a simplified issue policy and skip the exam. They may cost a little more but are easier to qualify for.
4. What blood pressure readings do insurers look for?
Most consider readings above 130/80 or 135/85 as high. The lower your readings, the better your rates may be.
5. Does taking medication hurt my chances?
Not necessarily. Many insurers offer their best rates even if you’re on medication, as long as your blood pressure is controlled. Taking medication shows the carriers that you are interested in improving your health.
6. What if I have other health conditions?
If you have other issues like diabetes or heart disease, your rates may be higher. An independent agent such as us can help you find the most hypertension-friendly life insurance companies.
7. Can my policy be canceled if my blood pressure gets worse?
No. Once your policy is active, your rates and coverage are locked in as long as you keep paying your premiums.
8. What if I’m declined for traditional coverage?
You may qualify for simplified issue or guaranteed issue life insurance. These options have higher premiums and less coverage but are available to almost everyone.
9. Can I lower my premiums if my blood pressure improves?
Some insurers allow you to request a review if your health improves. You may need to reapply, but it’s worth exploring.
10. How do I find the best policy for me?
Work with an independent agent like ourselves who understands high blood pressure life insurance. They can match you with the right insurer and policy for your needs.
Why High Blood Pressure & Life Insurance Matters
Life insurance is a safety net for your loved ones. It provides financial support in the event of your passing, covering funeral expenses, debts, mortgage payments, and even future education costs for children.
If you have high blood pressure (also known as hypertension), having a solid policy in place can bring peace of mind.
You might think your condition automatically disqualifies you, but that’s far from the truth. In fact, many insurers offer policies specifically tailored to people with high blood pressure.
How to Apply for Life Insurance With a Medical Condition: YouTube Video
What Is High Blood Pressure and Does It Affect Life Insurance?
High blood pressure, or hypertension, is a common medical condition affecting nearly half of American adults. It means your blood flows through your arteries at a higher pressure than normal, which can increase the risk of heart disease, stroke, and kidney problems.
Because of these risks, life insurance companies take your blood pressure into account when you apply for coverage. But here’s the reassuring part: having high blood pressure does not automatically disqualify you from getting life insurance.
In fact, most insurers regularly approve applicants with hypertension, especially if it’s under control with medication or lifestyle changes. Keep in mind that having additional medical conditions, a hazardous occupation or dangerous sports can also affect your premiums.
How Does High Blood Pressure Affect Your Eligibility?
When you apply for life insurance with high blood pressure, insurers look at several factors to determine your eligibility and rates:
Blood pressure readings:
Most life insurance companies consider readings above 130/80 or 135/85 as high blood pressure.
How well your condition is managed:
If your hypertension is controlled-especially for 12+ months-you may still qualify for standard or even preferred rates.
Your age:
Older applicants often get more lenient treatment regarding blood pressure. For example, a 60-year-old with slightly elevated readings may still qualify for good rates.
Other health factors:
Insurers look at your overall health, including height & weight, cholesterol, diabetes, family history, and lifestyle habits like smoking or exercise.
Medications:
Many insurers offer their best rates even if you’re taking blood pressure medication, as long as your condition is well controlled.
Categories of Blood Pressure (for most insurers)
| Category | Systolic (Top) | Diastolic (Bottom) |
|---|---|---|
| Normal | <120 | <80 |
| Elevated | 120–129 | <80 |
| Stage 1 Hypertension | 130–139 | 80–89 |
| Stage 2 Hypertension | 140+ | 90+ |
How Do Insurers Evaluate High Blood Pressure?
The process insurers use to assess your risk is called underwriting. Here’s what to expect:
Health Questionnaire:
You’ll answer questions about your medical history, including:
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When you were diagnosed with high blood pressure
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Your recent blood pressure readings
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Any complications (like heart disease or stroke)
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Medications and dosages
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Family medical history
Medical exam:
Most traditional policies require a quick medical exam (like an annual physical). Some insurers offer “no exam” or simplified issue policies, especially if your hypertension is mild and well-managed.
Review of Medical Records:
Insurers may request your doctor’s records to see the history of your blood pressure readings and how well you’ve managed your condition.
Risk Classification:
Based on all this information, you’ll be assigned a health class-such as Preferred Plus, Preferred, Standard, or Substandard (Table Rated). The better your class, the lower your premium.
Final Offer:
After underwriting, you’ll receive your official rate. If we are not happy with the offer, we can shop around for a lower premium with another carrier, which is a simple process.
How Does High Blood Pressure Impact Life Insurance Premiums?
The main way high blood pressure affects life insurance is through your premium-the amount you pay for coverage. Here’s how it works:
Mild, well-controlled hypertension:
You may still get Preferred or even Preferred Plus rates, especially with certain insurers.
Moderate or uncontrolled hypertension:
You’ll likely pay higher premiums and may be classified as Standard or Table Rated.
Multiple health issues:
If you have other conditions (like diabetes or obesity), your rates may be higher, or you may need to consider guaranteed issue policies.
Good news: If your blood pressure is lower after buying a policy, some insurers may allow you to request a review and potentially lower your rates.
Working with an independent agent:
Independent agents like myself can shop multiple insurers to find the best fit for your unique health profile.
Manage your blood pressure:
Take medications as prescribed, eat a healthy diet, exercise, and keep regular doctor appointments.
Prepare for your medical exam:
1. Avoid caffeine, alcohol, and smoking for 24 hours before the exam.
2. Schedule your exam in the morning when you’re calm.
3. Stay hydrated and fast for 8–12 hours before the exam, unless told otherwise.
*Be honest on your application, misrepresenting your health can result in denied claims or canceled policies.
What Are the Best Types of Life Insurance With High Blood Pressure?
People with high blood pressure (hypertension) have access to a wide range of life insurance products. The best type depends on the severity of the condition, age, overall health, and financial goals. Below is a comprehensive list of the best life insurance types for individuals with high blood pressure, along with key considerations for each.
Term Life Insurance:
*Provides coverage for a specific period (typically 10, 20, 30 and 40 years). Term life insurance is the best choice.
*Term is often the most affordable option for people with high blood pressure, especially if the condition is well-managed.
*Premiums may be higher than for applicants with normal blood pressure, but many carriers offer competitive rates for controlled hypertension.
*Ideal for those seeking substantial coverage for income replacement, debt payoff, or family protection during their working years.
Whole Life Insurance:
*Offers permanent coverage with a guaranteed death benefit and cash value accumulation.
*Premiums are higher than for term life, and may be further increased for those with high blood pressure, but coverage lasts a lifetime.
Universal Life Insurance:
*Suitable for those wanting lifelong protection and a savings/investment component.
*Universal life is permanent coverage with flexible premiums and adjustable death benefits.
*Includes a cash value component that grows based on interest rates set by the insurer.
*It can be a good fit for people with high blood pressure if the condition is stable and well-managed.
*Offers more flexibility than whole life, making it attractive for those whose financial needs may change over time.
Guaranteed Issue Life Insurance:
*No medical exam or health questions required; acceptance is guaranteed.
*Designed for individuals with significant health issues, including severe or uncontrolled high blood pressure.
*Coverage amounts are usually lower (often up to $25,000), and premiums are higher relative to the benefit.
*Often includes a graded death benefit period (limited payout in the first 2 years except for accidental death).
Simplified Issue Life Insurance:
*A type of whole life insurance aimed at covering funeral and end-of-life expenses.
*Typically available without a medical exam and with liberal underwriting, making it accessible for those with high blood pressure, especially seniors.
*Coverage amounts are modest, but approval is generally easier.
| Type of Insurance | Medical Exam Required | Coverage Amount | Premiums for Hypertension | Best For |
|---|---|---|---|---|
| Term Life | Usually Yes | High | Competitive if managed | Income replacement, debt payoff |
| Whole Life | Usually Yes | High | Higher, but lifelong | Lifelong coverage, cash value |
| Universal Life | Usually Yes | Flexible | Higher, but flexible | Permanent flexible coverage, cash value |
| Guaranteed Issue | No | Low | Highest per $ coverage | Severe/uncontrolled hypertension, declined cases |
| Final Expense (Simplified) | No/Minimal | Low | Moderate | Seniors, end-of-life expenses |
Key Considerations
Control & Management:
Well-controlled blood pressure (with or without medication) typically results in better rates and more options.
Severity & Age:
The stage of hypertension, age at diagnosis, and presence of related health issues (like heart disease or diabetes) impact eligibility and cost.
No Medical Exam Options:
For those with poorly controlled hypertension or additional health complications, guaranteed issue or simplified issue policies provide a path to coverage, albeit at higher cost and lower benefit.
Review Multiple Companies:
Underwriting guidelines vary by insurer; some are more lenient with blood pressure than others. Comparing quotes is crucial to finding the best rates and coverage.
Best Life Insurance Companies for High Blood Pressure
| Company | Financial Strength Rating* | Why They’re Good for Hypertension |
|---|---|---|
| Banner Life (Legal & General) | A+ (AM Best) | Liberals with high blood pressure best rate with medication |
| Protective Life | A+ (AM Best) | Offers Preferred Rates for Treated Hypertension |
| Prudential | A+ (AM Best) | Flexibility, especially for older applicants |
| Pacific Life | A+ (AM Best) | Good for controlling blood pressure, even with meds |
| Lincoln Financial | A+ (AM Best) | Allows Preferred rates for treated hypertension |
| AIG (Corebridge) | A (AM Best) | Best rates for ages 60+, lenient with medication |
| Cincinnati Life | A (AM Best) | Good for: well-controlled hypertension |
| Minnesota Life (Securian) | A+ (AM Best) | Accepts treated hypertension at best rates |
| United of Omaha (Mutual of Omaha) | A+ (AM Best) | Competition to control blood pressure |
| John Hancock | A+ (AM Best) | Known for flexibility with well-managed conditions |
Sample Life Insurance Rates ($250,000 / 20-Year Term)
Monthly Premium Estimates
| Age | Male (Controlled BP) | Female (Controlled BP) |
| 30 | $18–$25 | $16–$22 |
| 35 | $20–$28 | $18–$25 |
| 40 | $25–$35 | $22–$32 |
| 45 | $35–$50 | $30–$45 |
| 50 | $45–$65 | $38–$55 |
| 55 | $65–$85 | $50–$75 |
These are average estimates for applicants with well-managed blood pressure. Rates vary based on your health, lifestyle, and the insurer.
How to Get the Best Rates
If you would like us to provide you with an accurate custom rate quote specific to you, please complete this health questionnaire. Rest assured that your information is secure and confidential.
You can either email or fax it back to us and we will be able to provide you with an accurate projection of what your rates will be if you apply.
Our Contact Us page contains our email address and fax number. Don’t hesitate to let us know if you have any questions. We are available seven days a week!
In Conclusion
Having high blood pressure doesn’t have to stand in the way of protecting your loved ones. With the right approach, you
can find high blood pressure life insurance that fits your needs and budget.
Remember, every insurer is different-what’s a deal-breaker for one company might be perfectly acceptable to another. As an experienced agent, I’ve helped many clients with hypertension secure affordable, reliable coverage.
If you have questions or want personalized quotes, don’t hesitate to reach out. Working with an agent such as us can make the process very smooth, help you avoid common pitfalls, and ensure you get the best possible policy for your specific needs and budget.
All the best,
Jack Venturi
