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High blood pressure life insurance

Life insurance can give you peace of mind that you and your loved ones are financially protected. A policy can provide your family with security if you are diagnosed with high blood pressure or you can get cover after diagnosis.

High blood pressure (Hypertension) can lead to other medical complications such as heart attack or stroke.

Getting high blood pressure life insurance, critical illness cover, or income protection in place can be life changing. You and your family can benefit from a cash lump sum if you’re diagnosed with or pass away from a medical condition connected to hypertension.

What is a ‘normal’ blood pressure?

If your blood pressure is above 120/80 then it is considered to be ‘high’, anyone with a reading over 140/90 is considered to have ‘hypertension’.

The ideal range for blood pressure in the UK is between 90/60 and 120/80.

According to statistics from Blood Pressure UK, approximately 1 in 3 adults has high blood pressure. Half of these people has not been diagnosed and will be receiving no treatment, over 5 million people.

What is a blood pressure reading?

Most people will understand blood pressure as ‘one number over another number’. The first number is your ‘systolic’ blood pressure, and the second number is your ‘diastolic’ blood pressure.

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Does life insurance payout for high blood pressure?

YES – if you die from hypertension or anything related to high blood pressure then your existing life insurance should pay out. Your family will receive a cash lump sum upon death to pay for:

  • Mortgages (clear mortgage balance)
  • Debts (pay outstanding debts)
  • Costs of living (e.g. rent, bills, food, and clothes)
  • School fees

You can use life cover to pay for anything you need to or want to so it’s not specifically for one thing. Many people feel that life insurance has to be taken out for a specific reason, which isn’t the case.

More about life insurance

Does critical illness cover payout for high blood pressure?

Your critical illness cover policy will be designed to payout a cash lump sum if you’re diagnosed with a serious illness.

Some of the critical illnesses that are covered under your policy linked to high blood pressure or hypertension are:

  • Stroke
  • Heart attack
  • Heart disease
  • Dementia

If you are diagnosed with any conditions that are listed under your cover then your policy will payout a cash lump sum. Typically a critical illness cover policy will be used for:

  • Rent or mortgage payments
  • Costs of living
  • Adjustments to your home
  • Medical treatment or care

You can use your payout for anything that you need to and you should just consider what you think you’d need in the event of diagnosis.

Critical illness cover for high blood pressure can give you some peace of mind that you’ll be financially secure. Most of the critical illnesses will either stop you from working indefinitely or at least for a long period of time.

More about critical illness cover

Does income protection cover high blood pressure?

If you’re not able to work for a period of 1 month or more then you’ll be able to claim on your income protection. This can be for any medical reason linked to high blood pressure or hypertension.

Income protection with high blood pressure will pay out a sum every month that you are unable to work. Most policies will either provide a payment for 12 months or 24 months, depending on cover.

Something to be aware of is that you’ll be able to take out cover for up to 80% of your monthly salary or pay.

If you’re worried about the effects of high blood pressure and not being able to work, then you should consider income protection.

More about income protection

Life insurance with high blood pressure (hypertension)

If you’ve already been diagnosed with high blood pressure or hypertension then here’s more about how it works.

Can I get life insurance with high blood pressure?

YES – you can still get life cover if you’ve been diagnosed with high blood pressure or hypertension.

In most cases where we speak to customers who have high blood pressure, often it’s well controlled with medication. If that’s the case for you then you shouldn’t have any issues in getting affordable life insurance.

Questions for high blood pressure life insurance

Here are some of the common questions that you’ll be asked on your application if you disclose high blood pressure:

  • Apart from your regular reviews, are you outstanding a hospital referral, tests, scans, or investigations?
  • Have you had kidney issues, protein in your urine, angina, heart attack, stroke, TIA, heart abnormality, chest pain, or eye problems?
  • Are you taking prescribed medication for blood pressure?
  • Have you ever stopped taking your medication to do so by a doctor or a nurse?
  • When were you first told that your blood pressure was raised?
  • Do you know your most recent reading?
  • In the past 5 years have you visited hospital or A&E because of your blood pressure?

Do I need a medical for high blood pressure life insurance?

It’s also normal for insurers to request to see your medical records or to request a medical if you disclose a medical condition.

By providing your medical records, it means that your cover is guaranteed to pay out because you will have disclosed everything. You won’t have to pay for a medical or to provide your medical records so don’t be concerned about it.

Your insurance company will deal with everything so you won’t need to do anything for this.

Can I get high blood pressure life insurance without a medical?

You can get life cover policies that are accepted without the need to answer any medical questions, or any medical underwriting.

These policies are often called guaranteed life insurance and generally will exclude anything pre-existing or linked to your current health. You should make sure that you’re happy with this before you accept any of these types of policies.

More about guaranteed life insurance

Can I get critical illness cover with high blood pressure?

Yes you can also get a critical illness cover policy if you’ve already been diagnosed with high blood pressure, in most cases.

Most people that we speak to with blood pressure don’t have any other health problems so we can get them covered. If your blood pressure is controlled with medication and you have no other issues then critical illness cover is definitely available.

If you have other health problems, such as diabetes, high BMI, high cholesterol, etc., then you might be slightly more limited. Options will be based on your health and underwriting at the time, which can also change.

You may also find that you could be offered critical illness cover with exclusions, if you’ve got high blood pressure. This might mean that some conditions are excluded from your cover.

Can I get income protection with high blood pressure?

You should also be able to get income protection if you’ve been diagnosed with high blood pressure in the past.

Often you’ll be able to get a normal income protection policy with no exclusions and effectively no change in premium. This could be slightly different if you’ve had issues with your blood pressure or if your control is up and down.

It’s important to make sure that you look at all of your options for high blood pressure income protection. There are lots of insurers and lots of different products that are available which can be confusing.

Best life insurance for high blood pressure

There are many different types and forms of life cover so it’s important to consider what’s best for you, and your family.

Term life insurance for high blood pressure (family protection) is the most common type of life cover, mainly for people with children to protect. The main element to this type of cover is that it’s a level policy so your cover amount will never change.

Mortgage life insurance with high blood pressure (decreasing term) is specifically designed to protect a capital and repayment mortgage. This is the most common type of life insurance that is sold by mortgage advisers.

Family income benefit with high blood pressure is a less common type of life cover that can be an affordable alternative.

Whole of life with high blood pressure is probably the most misunderstood type of life cover. Everyone would probably ideally take this type of cover but unfortunately it can be expensive as payout is guaranteed.

Medical conditions linked to high blood pressure or hypertension

High blood pressure is closely linked to a number of quite severe and potentially life-threatening medical conditions. These conditions include:

Common questions about high blood pressure

Here are some of the most common questions that people ask about high blood pressure and living with this.

How does high blood pressure make you feel?

Generally if you have raised blood pressure then you won’t experience any symptoms. On occasion, people with high blood pressure may feel dizzy, light headed, or experience pounding chest (heavy heartbeat).

What causes high blood pressure?

Some of the most common reasons that might lead to having high blood pressure are: High salt diet, fatty diet, or high cholesterol diet. High blood pressure can also be hereditary (familial hypertension) and linked to other chronic conditions, such as diabetes.

Is high blood pressure fatal?

High blood pressure isn’t fatal, but it can lead to many other medical complications that can be serious. The main complications linked to high blood pressure are Aneurysm, heart attack, heart failure, stroke, or a TIA.

Useful resources for high blood pressure and hypertension

Here are just a few of the most useful resources that we could find for people with high blood pressure or hypertension.

NHS Choices – High blood pressure

Link: High blood pressure (hypertension) – NHS (www.nhs.uk)

British Heart Foundation – High blood pressure

Link: High blood pressure (Hypertension) (bhf.org.uk)

Blood Pressure UK – Charity

Link: Blood Pressure UK

British and Irish Hypertension Society – Charity

Link: Homepage – British and Irish Hypertension Society | Registered UK Charity No. 287635 (bihsoc.org)