Several common health conditions cause people to get lower rates on their life insurance. Some of the most frequent ones, are being overweight or having high blood pressure. Both of these conditions could cause severe health conditions later in life, which means that applicants are going to be more of a risk to insure. The higher the risk, the more that you have to pay in life insurance premiums.
Because life insurance is such a vital purchase, nobody should go without the coverage that they deserve, but some people think a policy is going to be too expensive because of their health. That isn’t true, there are plenty of affordable coverage options, even for people with high blood pressure.
Getting Affordable Life Insurance with High Blood Pressure
During the medical exam, the paramedic is going to get your weight, heart rate, and your blood pressure. Additionally, they will also take a blood and urine sample to see if there are any hidden health complications that you didn’t disclose on the application paperwork.
The results from the exam, coupled with the answers from a health questionnaire are going to run through the company’s medical underwriting to calculate your insurance premiums.
Every carrier will view your blood pressure levels differently. Some have more relaxed guidelines than others. You need to pinpoint the one with the cheapest rates. Compare before you buy.
If your doctor has given you any specific orders for your health condition, you should follow that prescription at all costs. Your doctors understand what is best for you and your health.
Not only will your doctor be happy, but your family will be satisfied as well. If your doctor hasn’t given you any instructions for improving your health, schedule an appointment today and express your concerns.
Additionally, you’ll need to improve your health by eliminating any tobacco that you currently use. If you’re an applicant with high blood pressure, being listed as a smoker on your application is going to drastically decrease your chances of getting an affordable life insurance policy.
No Exam Policies
Another option for life insurance coverage is to go with a no medical exam, which is an excellent option for anyone that has been declined for a traditional life insurance policy.
If you couldn’t get by the name, these plans are simple. Life insurance protection without the medical exam part. Maybe you’re wondering if you can get life insurance for someone with pre-existing conditions. If so, we can help.
Because these plans don’t require that you take the exam and go through the medical underwriting, you won’t have to wait for the results or for the life insurance company to view your test. Instead of having to wait several weeks, you can get a life insurance plan in a couple of days.
Now, let’s look at the bad. We are going to start with the worst part – the price. No exam life insurance is expensive. Much more expensive.
The other problem is the cap on coverage. Unlike a fully underwritten policy, there are strict limits on how much you can buy. Usually, the limit is around $250,000.
Life Insurance, How Much Do You Need?
Some applicants with high-blood pressure tend to go with no exam coverage. For some, this can be okay, but you’ve got to do the math first.
Don’t ever buy a policy until you know if it will offer you enough insurance protection. A lot of policyholders are underinsured, which will leave some financial responsibility to their loved ones.
Let’s do the math. First, gather up all of your debts and get the grand total.
After you’ve added up the bills, how long will your family need to replace your income? Could they survive without your monthly paycheck? You need a policy which is going to replace your stream of money every month.
Life Insurance with High Blood Pressure
Nothing should keep you from getting an affordable life insurance policy to fit your needs. If have high blood pressure, life insurance is not only possible, but it can be affordable.
If you aren’t careful, and you buy a random policy, you’re going to spend too much. Instead of just buying the first policy you see, why not enlist the help of a professional independent agent.
At InsuranceScored, you can do that. Here is the best part, it’s free! Yes, you won’t have to pay a dime, and we will connect you with a plan for your needs.