High Blood Pressure Life Insurance
High blood pressure (Hypertension) is very common among adults in the UK, with nearly 30% of people affected. If you need to protect your family or home and you have high blood pressure or if you take medication, then cover is available.
Do you suffer from high blood pressure? The process to get life insurance for people who suffer from raised blood pressure or symptoms related to, such as raised cholesterol is usually simple.
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About life insurance for people with high blood pressure
Here’s a quick guide to tell you about how high blood pressure affects life insurance and a few things we think you need to know. Some of the main questions that we get asked by our customers include to following.
If you need more information about getting life cover with high blood pressure then give our team of experts a call on 0800 009 6559.
How much does life insurance cost with high blood pressure?
When you apply for life insurance with a medical condition, insurers will want to understand your circumstances before they offer cover. They will want to understand your health, blood pressure readings, any family history and details of further medical conditions such as diabetes. If you’re unable to provide these details, insurers will ask to contact your GP for your medical records.
If your blood pressure is well controlled, with no further health conditions, your life insurance application should be accepted instantly. However, if your blood pressure readings are higher than average or you have suffered further medical conditions such as heart attacks, then it could be slightly more complicated. Additionally, some insurance providers will take your family history and the type of medication required into consideration.
Your premiums for high blood pressure life insurance will depend on:
- Your blood pressure readings, including symptoms and the ability to control with medication.
- Your family history, and any further health conditions.
- The type of insurance product you’re looking for – (Income protection, critical illness cover, travel insurance).
- The term of your high blood pressure life insurance policy.
How does having high blood pressure affect life insurance?
Getting life insurance is something that can seem confusing and potentially frustrating, especially if you’ve got a medical condition. There’s not much help out there for people with conditions like hypertension, and often it can feel unfair. In most cases where people have high blood pressure, it’s simple to get life cover though.
Here we’ll look at how high blood pressure is disclosed on a life insurance application and what it means. Life insurance is underwritten at the point of applying which means that you’ll be asked a series of medical, health, and lifestyle questions. In these questions, an underwriter or system will then offer you a premium based on your answers, plus your age and what your life cover requirements are.
If you’ve got high blood pressure then you’ll also be asked a set of questions that relate to hypertension. These questions will include things like:
Are you awaiting any specific tests, scans, or investigations for blood pressure?
- Have you experienced things like kidney problems, angina, heart attack, stroke, chest pain or eye problems due to hypertension?
- Are you taking any medication prescribed by your doctor?
- When did you first have a high blood pressure reading?
- Have you ever stopped taking your medication without being told to do so?
- What was the result of your last blood pressure review?
- How many different medications do you take?
It might seem slightly unusual to have to answer so many questions but this is just part of the process. Hopefully, once you’ve answered questions, you’ll be offered life insurance without needing a medical or GP report. It’s also usual to have experienced problems with getting life insurance if you’ve got a medical condition. Lots of the people we speak to have had issues in the past getting cover, but that’s where we can help.
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What’s a good blood pressure reading for life insurance?
There are 2 readings that you’ll be given when you have your blood pressure taken by a GP or yourself. The number at the top of the reading is your ‘Systolic’ level and the bottom is your ‘Diastolic’ level.
The levels that are considered normal will also change or vary depending on your age, as these tend to increase as you get older. If your blood pressure is above 160/100 then you would usually be checked 3 times by your GP before being diagnosed with hypertension. If your readings are above 140/90 then it’s usually 5 times before you get fully diagnosed.
Insurers have different tolerances for blood pressure readings depending on how good they are at offering terms for hypertension. Usually, we find that if you’ve got a Diastolic reading over 100 then we may need further medical evidence as a rule.
What are the possible issues for someone with high blood pressure for life cover?
Even though hypertension is a common condition and usually very mild or managed with medication, there can be problems. Life insurance is underwritten based on risk at the time you apply and in the future based on statistics plus claims experience.
Some of the other areas that would be taken into consideration when applying for life insurance with high blood pressure are:
- High readings can be a problem if you’ve recently had levels that are well above normally acceptable levels which can vary depending on your age
- Multiple medications are also something that will be taken into consideration and especially if they have been changed recently
- Recent hospitalisation will also flag to underwriters as a possible problem if there have been issues connected to this condition or other related conditions
- Smokers are usually considered to be a potential problem with some insurers in connection to hypertension
If you’ve had problems getting cover in the past or you want more information about this then you can speak to one of iam|INSURED’s team of experts.
Has Coronavirus affected life insurance for people with high blood pressure?
The simple answer is the short term effects on life insurance rates for people with pre-existing medical conditions is minimal. We’re waiting to see what the long term impact is but expect that things will return to normal within a period of 6 to 12 months.
High blood pressure (hypertension) can be a sign of other problems that can cause other issues connected to COVID-19. It is suspected that there are links with cardiovascular risks as well as respiratory risks with Coronavirus.
There are now several additional questions as a result of COVID-19 which include:
- Have you tested positive for COVID?
- Are you self-isolating?
- Do you currently have any symptoms of COVID?
- Have you been in contact with anyone who has been suspected or confirmed to have Coronavirus?
As part of the complications potentially that are caused by Coronavirus which can be linked to Hypertension. You should be aware that there are certainly other elements to consider as part of the potential restrictions being imposed by insurers as a result of COVID-19.
Some of the additional restrictions have included:
- Maximum sum assured (amount of cover)
- Underwriting limits have been reduced
- Medical evidence restrictions for nurse screening and GP reports
Long term impacts of Coronavirus on the life insurance market for people with hypertension and other medical conditions are still unknown.
More about COVID-19 LIFE INSURANCE
Will anything be excluded from my life insurance because of high blood pressure?
In almost all cases you should find that there will be no exclusions to life cover if you have a medical condition like high blood pressure. There are some more specialist products that are available which may exclude pre-existing medical conditions.
It’s very important to read your documents thoroughly to make sure that you’re fully and properly protected. If you have any doubts whatsoever then you should speak to your insurance company or contact a qualified adviser like iam|INSURED.
All of the mainstream insurers in the UK operate the same way that they would not exclude hypertension or anything related. You should instead find that the premium that you pay may reflect the fact that your cover has factored your health in. You should know that some insurance companies are better than others with pre-existing conditions and some will simply be cheaper.
Is critical illness cover available if I’ve got high blood pressure?
Critical illness cover can provide you with some cover and peace of mind if you’re diagnosed with a serious illness. Many people with medical conditions like hypertension think that this type of cover simply isn’t available which is not usually the case. In many circumstances, this type of policy is available and usually can be simple to get.
If you’ve got mild symptoms with reasonably good readings and only minimal medications or treatment then you’ll be fine to get critical illness cover. Also if you are able to reduce your blood pressure readings then you might also be able to reduce premiums.
Some of the things that can cause concerns for insurers when applying for critical illness cover with hypertension are:
- Unstable readings
- High readings
- Time of work due to the condition
- Multiple medications
- Other complications or related conditions (e.g. Diabetes)
It’s important to make sure that if you are offered critical illness cover that you check your documents thoroughly. Some companies will offer terms (cover) with what is known as, an exclusion, which simply means something you’re not covered for. Exclusions will relate to your current health or any existing medical condition.
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Is it possible to get income protection with hypertension?
If you’re employed or self-employed then you might want to consider taking an income protection policy. This will provide you with a monthly income if you’re not able to work because of an accident, injury, or sickness. If you don’t receive any sick pay from your employer and don’t have sufficient savings in place then you should consider this type of cover.
Anyone with a pre-existing medical condition will usually be underwritten when they apply for this policy. Hypertension is considered to be one of the more coverable conditions when it comes to income protection. Most people with well-controlled blood pressure on 1 or 2 medications will be able to get this type of cover quickly and easily.
If your symptoms are slightly more severe and your readings are slightly higher then you might find getting cover more difficult. In these situations, you shouldn’t be put off because there are other policies and types of cover that will help. There are some unique and exclusive policies that will offer cover and even some where there are no exclusions.
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Exclusions for high blood pressure life insurance, critical illness cover, income protection, or travel insurance
When applying for high blood pressure life insurance, critical illness cover, income protection, or travel insurance, you may also experience ‘exclusions’. Insurance providers may exclude conditions from your policy that are linked to or caused by your high blood pressure. The likelihood of exclusions will depend on your selected provider and their underwritten guidelines for those with high blood pressure.
How much cover do I need?
When applying for high blood pressure life insurance, critical illness cover, income protection, or travel insurance, it is difficult to provide a clear estimation. This will be based on your personal circumstances and budget. However, there are a few factors you can take into consideration prior to applying. View our breakdown of each policy below:
High blood pressure life insurance amounts of cover
When applying for high blood pressure life insurance, the process is straightforward. However, the severity of your symptoms, blood pressure readings, and further medical conditions will influence your policy guidelines, including premiums and exclusions. Prior to applying for life insurance, here are some factors to think about:
- Mortgage amount (£’s)
- Outstanding debt (e.g. Loans, second charge, credit cards, and other)
- Spouse or Partner
- Income (after Tax)
- Assets (e.g. car, house, business, etc.)
Contact our team to progress your high blood pressure life insurance policy today 01244 732 890.