1. 4330 POINTS
    Jerry Vanderzanden, CLU, ChFC
    Co-Founder, Coastal Financial Partners Group, California
    As long as the hypertension is controlled and not excessively high or complicated by other factors which on their own could be reasons to make the proposed insured a substandard risk, high blood pressure should not prevent one from obtaining life insurance.

    If however the condition is not under control, it might not be possible to obtain an underwritten life insurance policy. Consult with an experienced life insurance professional who will be able to shop the market for the best fit.
    Answered on May 1, 2013
  2. 0 POINTS
    David RacichPRO
    Fountain Hills, Arizona
    Generally speaking managed high blood pressure with no other outstanding impairments should be an obstacle to securing life insurance coverage. Prescription dosage, weight and other contributing factor my play a role in the final offer. Keep in mind that certain life insurance companies appear more benevolent to high blood pressure, hypertension, heart murmurs and other cardiac issues. So it pays to shop around.   
     
    Answered on May 27, 2013
  3. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Insurance companies look at hypertension in several ways. Some will ask if blood pressure readings have been above a certain number for the last few years or more. Some will ask the average of readings for the past one or more years. The number and type of medications is considered, and of course, the cause for the hypertension. Secondary hypertension caused by disease elsewhere in the body, CHF, etc are underwritten as a higher risk.

    To get the lowest priced life insurance policy with high blood pressure, contact a good impaired risk agency that knows how to shop multiple carriers to get your best rate.
    Answered on September 1, 2013
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