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High Blood Pressure Life Insurance

Facts about High Blood Pressure Life Insurance

Do you suffer with high blood pressure? The process to obtain life insurance for those who suffer with raised blood pressure or symptoms related to, such as raised cholesterol is straightforward.

We have a database of reputable life insurance providers ready to support you – whether that be for a generic high blood pressure life insurance policy, or specialised cover such as income protection, critical illness cover and travel insurance.

To receive your own high blood pressure life insurance quote, or to discuss your personal requirements, contact our team on 01244 732 890.

How much does High blood pressure life insurance cost?

When applying for high blood pressure life insurance, insurance providers will need to understand your diagnosis prior to offering cover. They will want to understand your overall health, along with receiving recent blood pressure readings, family history and details of further medical conditions such as diabetes. If you are unable to provide these details, providers will need to contact your personal GP for your medical report.

If your blood pressure is well controlled, with no further health conditions, your life insurance application should be accepted under standard terms. However, if your blood pressure readings are higher than average or you have suffered further medical conditions such as heart attacks, a small increase will be added to your premiums. Additionally, some insurance providers will take your family history and the type of medication required into consideration. This may result in premium loading and policy exclusions.

To retrieve your own personal high blood pressure life insurance quote, contact our team on 01244 732 890.

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.

Percentage (%) loading for high blood pressure life insurance

When applying for high blood pressure life insurance, a percentage loading strategy will be used by providers to gauge the cost of your cover. This is where an additional percentage will be added onto your premiums based on risk factors. Please be aware that loadings will differ depending on your selected provider when applying for high blood pressure life insurance.

EXAMPLE:

Basic premium
% loading
Final premium
£20.00 50% £30.00
£20.00 100% £40.00
£20.00 150% £50.00
£20.00 200% £60.00
£20.00 250% £70.00

Per mille loadings for high blood pressure life insurance

An additional outcome you may come across when applying for high blood pressure life insurance is ‘per mille loading’. This is where an additional amount may be applied to your premiums, based on the amount of cover you apply for. To gain greater information on how this can affect the cost of your high blood pressure life insurance cover, contact us on 01244 732 890.

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 which are linked 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:

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)
  • Dependents
  • 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.

Similar to life insurance, obtaining critical illness cover with high blood pressure should be a straightforward process if your condition is controlled and no further medical conditions are present. Standard terms should be offered in this scenario. If your diagnosis is greater and further conditions are influencing your overall health, premium loadings may be applied, along with any exclusions. Prior to applying for critical illness cover, consider these factors:

  • Income (after Tax)
  • Mortgage payments (annual)
  • Cost of living (annual)
  • Any other possible costs (e.g. medical treatment or adaptations)

When applying for income protection, similar underwritten guidelines as life insurance and critical illness cover are present. If you do experience some symptoms, a medical report may be requested. Standard terms are usually offered; however, premiums may increase if health concerns or family history of related conditions are present. If income protection is of interest, here are factors to consider:

  • Monthly income (after tax)
  • Mortgage/rent payments
  • Debts (other)
  • Cost of living

Contact our expert team today to discuss your personal circumstances 01244 732 890.

If you are looking to travel with high blood pressure, we advise investing in travel insurance for those with pre-existing medical conditions. View our travel insurance options here: [LINK]

Purchasing your high blood pressure life insurance policy with Iam Insured

If you have high blood pressure and are busy searching for suitable yet affordable insurance policies, here at Iam Insured, we can help you!

We work with reputable life insurance providers who specialise in protection those with medical conditions through income protection, critical illness cover and travel insurance.
If you would like to discuss your options, possible premiums and exclusions for high blood pressure life insurance, contact our team today! 01244 732 890

Get to know our Iam Insured team a little more here, and why we are the insurance broker to help you protect your priorities! [LINK]

Our team of insurance experts will help you to get some of the best deals from the UK’s top companies to save you money.

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