Is It Possible To Get Term Life Insurance Coverage With High Blood Pressure?
Did you know it’s estimated that about 70 million American adults (29%) have high blood pressure?
A condition that affects men and women alike, high blood pressure is one of the most pervasive ailments facing our country today. Leading to conditions such as heart disease, stroke, heart failure, and a host of other related ailments, high blood pressure puts your health at risk.
However, just because you have high blood pressure doesn’t mean that you’re left without options either.
Discover what you need to know when it comes to obtaining affordable term life insurance coverage with high blood pressure.
What is High Blood Pressure?
Believe it or not, high blood pressure usually shows no signs or symptoms. In fact, it is possible to go years without ever knowing that you have the condition. Impacting your heart, blood vessels, and even kidneys, high blood pressure can lead to a number of adverse health conditions. Which means staying on top of your blood pressure is crucial. After all, even if you are feeling fine, if your blood pressure is too high, your health could still be at risk.
Why do Insurers Care?
So, why do insurers really care about high blood pressure in the first place?
Insurers want to get an accurate gauge of your health. When you apply for coverage, insurers will require you to take a medical exam. During the exam, you can expect your weight, pulse, and blood pressure to be taken into consideration.
However, there is no need to fret if your blood pressure end ups being higher than average. There are many factors that insurers will take into consideration when it comes life insurance approval. Keep in mind that taking steps such as taking medications to lower your blood pressure can help positively impact your insurance options.
What will Insurers Take into Consideration?
Now that you have a better idea of why insurers care about high blood pressure, you may also be wondering what other factors insurers are going to take into consideration.
After all, what can you expect during the application process?
While insurers do not use an identical set of criteria to determine your qualifying rate class, you’ll find that insurers will typically be looking at the following:
Current height and weight
Severity of the condition
Length of the condition (how long have you had high blood pressure?)
State of the condition (do you have your blood pressure under control?)
Other health conditions present
Smoker or non-smoker
How to Best Prepare?
Whiling having high blood pressure might make obtaining coverage slightly more challenging, that doesn’t mean your left high and dry either. In fact, you may be surprised by the number of options that are available to you.
So, how can you best prepare?
One of the most important things you can do not only for your insurance options but your health is getting your condition under control. Visiting your doctor is a must. In fact, visiting your doctor regularly along with keeping up to date on your medical records are some of the most important steps you can take. Remember, insurers want to see that your condition is under control.
Still have questions? If so, feel free to respond by leaving us a message in the comments below.
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