Does High Blood Pressure Affect Life Insurance Rates

If you happen to have high blood pressure, it’s easier to get than you think it is. If it’s under control with the right medication and a proper diet, you can get the life insurance you need at a price that fits your budget.


does high blood pressure affect life insurance rates

What is stage 1 hypertension

After asking a few questions about your medical history, your doctor will do a physical examination. The doctor, nurse, or another medical assistant will place an inflatable arm cuff around your arm and measure your blood pressure using a pressure-measuring gauge.

stage 1 hypertensionYour blood pressure generally should be measured in both arms to determine if there is a difference, but they usually will only test one. It’s essential to use the right-sized arm cuff.

Prehypertension, also known as stage 1 hypertension, is where the systolic (top number) reading is 120 mmHg-139 mmHg or the diastolic (bottom number) reading is 80 mmHg-89 mmHg. Prehypertension is a warning sign that you may get high blood pressure in the future.

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Life insurance blood pressure chart

The five blood pressure ranges as according to the American Heart Association are:

high blood pressureNormal

Life insurance blood pressure chart numbers of less than 120/80 mm Hg are considered normal. If your results fall into this category, stick with heart-healthy habits like following a balanced diet and getting regular exercise.


Elevated or high blood pressure is when readings consistently range from 120-129 systolic and less than 80 mm Hg diastolic. People with elevated blood pressure are likely to develop high blood pressure unless steps control the condition.

Hypertension Stage 1

Hypertension Stage 1 is when blood pressure consistently ranges from 130-139 systolic or 80-89 mm Hg diastolic. Doctors are likely to prescribe lifestyle changes at this stage of high blood pressure. They may consider adding blood pressure medication based on your risk of atherosclerotic cardiovascular diseases (ASCVD), such as heart attack or stroke.

Hypertension Stage 2

Hypertension Stage 2 is when blood pressure consistently ranges at 140/90 mm Hg or higher. At this stage of high blood pressure, doctors are likely to prescribe a combination of blood pressure medications and lifestyle changes.

Hypertensive crisis

life insurance blood pressure chartThis stage of high blood pressure requires medical attention. If your blood pressure readings suddenly exceed 180/120 mm Hg, wait five minutes and then test your blood pressure again. If your readings are still unusually high, contact your doctor immediately. You could be experiencing a hypertensive crisis.

If your blood pressure is higher than 180/120 mm Hg and you are experiencing signs of possible organ damage such as chest pain, shortness of breath, back pain, numbness/weakness, change in vision, or difficulty speaking, do not wait to see if your pressure comes down on its own. Call 911.

How to lower blood pressure for life insurance exam

It is essential to follow all the directions they give you before the test day. One of these directions will be to fast for a predetermined time before your scheduled appointment.
It is crucial to follow this explicitly to achieve the best results. There are many different foods and beverages that we consume with chemicals that alter our blood pressure. You can ask the doctor for a complete list of foods to avoid that could raise your blood pressure.

how to lower blood pressure for life insurance examIt is also essential to abstain from various caffeine and energy drinks sources the day of and before a life insurance exam because these can raise your blood pressure. Excellent idea to stay away from as much caffeine as possible on the day of your medical exam. It will be hard but don’t worry, drink as much as you want after the test.

Try not to smoke right before your test, as this might temporarily spike your rating. Also, some studies even say that a full bladder during your blood pressure test will skew the results, so make sure you go beforehand. Please don’t hold it in.

Stress significantly impacts blood pressure, so it’s essential to be as calm as possible and not be up and moving around too much.

It’s best to schedule in the morning if possible because some studies show blood pressure is lower in the morning.

  1. Exercise or increase general activity levels.
  2. Eat foods rich in potassium and reduce sodium intake.
  3. Meditate or do yoga.
  4. Prioritize quality sleep.

Simply losing 10 pounds will drop your blood pressure with diet and exercise. Think about all the money it could save you

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Life insurance with diabetes and high blood pressure

life insuance with diabetes and high blood pressureOf course, it is evident that the healthier you are when you purchase a life insurance policy, the lower your premium will be. Most people trying to buy life insurance with diabetes and high blood pressure typically believe that because of their chronic disease, it makes them too way too expensive to insure or not insurable at all, for that matter.

However, life insurance companies for people with diabetes and high blood pressure look at how well you manage your conditions. If you can demonstrate that you have your diabetes and blood pressure under control, you can qualify for insurance, often at better rates than you might think.



Is controlled high blood pressure considered heart disease?

High blood pressure is not heart disease on its own. However, high blood pressure can lead to cardiovascular complications and weaken or damage your heart.

Is high blood pressure a disability?

The Social Security Administration does not consider high blood pressure a disability. There is no longer a disability listing for high blood pressure in the SSA’s list of impairments that qualifies someone for Social Security disability benefits.

What is the best drink for high blood pressure?

Beet juice is the best choice, as it can significantly lower blood pressure in about three hours. Consuming other beneficial drinks like tomato juice and pomegranate juice may not immediately affect blood pressure but will work for consistent use.

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After starting his financial career with Phoenix Home Life Insurance Company back in 1992, Scott decided he wanted to provide people with an easier and more enjoyable way to buy life insurance. That was the start of Coach B. Life Insurance, whose mission is to be transparent, honest, and helpful to customers — without ever bugging or pushing them.

In the years since then, he has worked tirelessly to improve the process of shopping for insurance. His goal is to make sure that everyone who comes to Coach B. — whether they end up buying a policy or not — has the best possible experience.

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