What’s the best over 60 life insurance? Find out about your…
Yes, you can get life insurance with high blood pressure (hypertension).
Typically, if your blood pressure is well controlled with treatment then your application should be accepted with no issues.
It could also be possible to secure life insurance at the standard rate depending on your personal circumstances.
In fact, 96% of people with raised blood pressure receive an instant decision and 80% are accepted at the standard rate by one of our insurer partners.
Comparing multiple quotes from a range of insurers will help you to find the best available deal for life insurance with hypertension.
Reassured, the UK’s largest life insurance broker * , can help you compare quotes from a panel of top UK insurers free of charge - saving you time and money.
Our experts have helped many people with pre-existing medical conditions secure the cover they need at the right price.
Get in touch today for our best quote.
In this high blood pressure life insurance guide, we cover:
If you’re living with high blood pressure and you have dependents who rely on your income to get by, then you probably need life insurance.
Taking out a policy can give you peace of mind knowing that your family are financially protected should anything happen to you.
Arranging suitable life insurance to protect what’s important in your life doesn’t have to be complicated or expensive when you have high blood pressure.
At Reassured, we can help you decide whether you need life insurance, how much you might need and what your available options are.
We’ll do our best to help you find affordable cover no matter your circumstances. Contact our award-winning team today for your free quotes and expert help.
Yes, during the application process you’ll be asked to provide information about your health, at which point you’ll need to disclose that you have high blood pressure and any other pre-existing medical conditions that exist.
While raised blood pressure doesn’t often present any symptoms or affect your day to day life, it can potentially affect your long-term health, causing heart problems such as heart disease and heart failure, if not well controlled.
For this reason, it must be taken into account by insurers so that they can properly assess the level of risk involved with your application and provide you with the right cover.
Rest assured, disclosing that you have high blood pressure doesn’t mean that you’ll be faced with higher premiums.
Is high blood pressure a pre-existing medical condition?
Yes, if you have high blood pressure or a history of high blood pressure then this will be considered a pre-existing medical condition.
A pre-existing medical condition is any health condition that existed prior to applying for life insurance.
Read our guide on life insurance with pre-existing conditions for more information »
Non-disclosure refers to not being completely truthful on your application, such as withholding information about your high blood pressure.
Any form of non-disclosure can invalidate your policy and prevent a pay out being made to your loved ones when you pass away.
For life insurance, high blood pressure is when you have a systolic and diastolic blood pressure reading over 140/90mmHg.
As mentioned, most insurers will still offer you cover even if you have high blood pressure, and in some cases, it’s possible to secure cover at the standard rate.
The outcome of your application will depend on how well controlled your blood pressure is as well as other factors which we outline below.
If your blood pressure is higher than 180/110mmHg then this is usually the cut off point for securing life insurance, but other options may be available.
Continue reading to learn more about types of life insurance for those with high blood pressure.
Blood pressure readings
Knowing your current blood pressure reading can be helpful for your life insurance application, but it’s not essential.
If you don’t have use of a home monitor, you can get a quick blood pressure test at your local doctor’s surgery and at some pharmacies.
The table below shows the different blood pressure readings and ranges according to Blood Pressure UK. Systolic pressure is the first (or top) reading and diastolic pressure is second (or bottom) reading:
|Blood pressure category||Systolic pressure (this is the pressure of the blood in your arteries)||Diastolic pressure (this is the resistance to the blood flow in the blood vessels)|
|Low blood pressure||Under 90||Under 60|
|Ideal blood pressure||90 - 119||60 - 79|
|Pre-high blood pressure||120 - 139||80 - 89|
|High blood pressure||140 or higher||90 or higher|
In the UK, more than 15 million adults have high blood pressure and most adults in general have higher than ideal blood pressure.
High blood pressure is also the most common medical condition disclosed on life insurance application forms.
A life insurance application will also require the following information as standard to calculate the cost of your premiums:
Some of these factors, such as your age, smoking status and weight, will be looked at in combination with your high blood pressure as the two can be associated.
Your premiums will also be determined by the details of your chosen policy, which include:
When looking for the affordable life insurance with high blood pressure it’s essential to compare quotes from multiple insurers.
This is because they’ll each have a different underwriting process for hypertension applicants and quotes will vary between them.
At Reassured, we know the criteria for each of the insurers we work with and could help you to find those who will offer you the best terms.
In most cases, those with high blood pressure can choose from the same policy options as other applicants.
The best option for you will depend on your personal circumstances, your budget and which aspects of your life you want to cover.
Below we’ve outlined the different types of life insurance available through Reassured:
It’s unlikely that you’ll be declined for life insurance due to having high blood pressure.
However, it’s possible that some standard insurers won’t accept your application if one of the following applies:
If your application is declined by standard insurers, then not to worry, as you may be able to get cover with a specialist insurer.
Specialist insurers are more likely to offer life insurance with affordable premiums to those who are considered high risk, including people with hypertension.
At Reassured, we work with both major insurers and specialist insurers, allowing us to compare multiples quotes which could help you save money.
We also have a specialist impaired risk team who have helped applicants who’ve been declined in the past get some form of cover through us.
Make the most of our expertise and award-winning service by getting in touch today.
No, you shouldn’t need to take a medical exam for life insurance with high blood pressure.
In most cases, providing your most recent blood pressure reading and answering a few questions about your condition will be enough for your application.
Some insurers may request a GP report if you have any related health complications or other high risk factors, but it’s not always necessary.
Most people with high blood pressure are able to get the life insurance they need quickly and easily without the hassle of medical checks.
If you’re asked to undergo a medical exam, this will take place at a time and date to suit you and the cost will be covered by the insurer.
Yes, you can secure life insurance without having to answer any medical questions.
If you’re aged 50 - 85 then you’d be eligible for an over 50s plan (as described above).
With an over 50s plan you don’t have to disclose your high blood pressure or any other medical conditions on the application form.
Premiums are calculated based on the level of cover you need (up to £20,000 depending on your personal circumstances and budget), your age and sometimes your smoking status.
Most people take out an over 50s plan to help contribute towards funeral expenses, pay off outstanding debts or to leave a small cash gift.
At Reassured, we can help you compare quotes for over 50s life insurance as well as other types of policies.
Get in touch with our award-winning team for your free price comparison.
Getting life insurance with high blood pressure is possible and the process should be quite straight-forward.
It’s also possible to secure life insurance on standard rates depending on how well controlled your blood pressure is and if there are no other health problems.
One of the best ways to find out your available options and to compare multiple quotes is to use a broker, such as Reassured.
We work with a panel of major insurers as well as smaller specialists, allowing us to identify those that may offer you a good deal.
Our knowledgeable experts can filter out the insurers that may be most compatible for you and your individual circumstances.
Not only that but we can help with filling in the application form, answering any questions you may have and explaining any jargon.
If you’re living with high blood pressure and looking for affordable cover to financially protect your family, then get in touch with Reassured.
We’ll do our best to help you save money.
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