Affordable Life Insurance With High Blood Pressure

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Impact on  Underwriting Class:

None if well controlled

Significant if uncontrolled

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Rate impact based on current

BP readings and Hidory.

If you are researching how to get affordable life insurance with high blood pressure, you have landed in the right place.

Ever wondered where the saying "don't sweat the small stuff" comes from? The answer might well be a cardiologist.

Turns out, stress and anger really do raise your blood pressure to unhealthy levels. 

High blood pressure, also known as hyper-tension, is just what the name says,  exerting  pressure on the arterial walls. Over a period of time this affects life span and health in a significantly negative manner. 

The purpose of this article is to provide the background on high blood pressure and the information necessary to get the best possible deal on life insurance with high blood pressure. 

If you already know more than you care to about high blood pressure, you can use the quick navigation tool to skip to the insurance specific portion of the article.

Fast Facts About High Blood Pressure

According to the Centers for Disease Control about 75 million American or one third of all adults, have high blood pressure.

Only slightly more than half of those diagnosed with high blood pressure have it effectively controlled. 

Another 75 million or one third of adults have pre-hypertension. That is, they have blood pressure elevated but not yet at hypertension levels.  

High blood pressure is positively linked to heart attack, stroke and kidney disease. 

High blood pressure affects Black Americans at about a 50% greater percentage than Caucasian or Hispanic Americans.

Some of the more famous people who have suffered from high blood pressure are: television funnyman David Letterman, famed actress Elizabeth Taylor , President Clinton. journalist Barbara Walters, and football star Joe Montana.

life insurance with High blood pressure
life insurance with High Blood Pressure
life insurance with high blood pressure
life insurance with high blood pressure

 What is High Blood Pressure?

​Defined as a condition in which the long-term force of the blood against your artery walls is high enough that it may ultimately cause health problems, such as heart disease.

Your  blood pressure reading has two numbers. The first number measures the pressure in your arteries when your heart beats. This is referred to as systolic pressure. The second number measures the pressure in your arteries between beats, This is referred to as  diastolic pressure.

The Mayo Clinic  lists 4 basic  Blood pressure  categories:

  • Normal blood pressure. When  blood pressure is below 120/80 mm Hg.
  • Prehypertension. Prehypertension is a systolic pressure ranging from 120 to 139 mm Hg or a diastolic pressure ranging from 80 to 89 mm Hg. 
  • Stage 1 hypertension. Stage 1 hypertension is a systolic pressure ranging from 140 to 159 mm Hg or a diastolic pressure ranging from 90 to 99 mm Hg.
  • Stage 2 hypertension. More severe hypertension, stage 2 hypertension is a systolic pressure of 160 mm Hg or higher or a diastolic pressure of 100 mm Hg or higher.

Key Take Aways

  • High blood pressure can lead to heart attack, stroke,  & kidney disease.
  • Blood pressure is a reading of both your systolic and diastolic  pressure readings
  • Readings above 120/80 are considered pre-hypertension and need to be monitored. 
James Tobin, CFP

Jim Tobin is the owner of Life Insurance Help Desk, a Fairfield County, CT. life insurance agency. You can find him on LinkedIn and Facebook. Over the past 10 years, Jim has used his CFP-financial planning designation to help individuals with their life insurance needs. In addition to working with life insurance clients, Jim teaches ESL classes in his spare time. He resides with his beautiful wife Nicole and the 3 cats that rule their lives..