If you have High Blood Pressure or Hypertension you still can find and buy affordable Term Life Insurance plans. I will outline a few important points and tips on how to get the best rates and premiums in this post.
Factors that will affect your underwriting decision:
- Your current age
- Date you were diagnosed
- What medications and treatment has your Doctor prescribed
- Response to any treatment
- Current readings for the last 2 years (to show that you are stable and compliant)
- Any other health issues, like heart disease, stroke etc.
How to help your agent or broker get the best life insurance rates and speed up the underwriting process:
- Your doctor records will be required, the carrier typically orders these
- Records of blood pressure readings (should be in your Dr.'s records)
- Any cardiac history records
- Make a case for your current health such as (how much you exercise, your great diet, the new job you took to improve your health and lifestyle, etc. you get the point right?)
Now a lot of these kind of issues can typically be controlled by just making minor modifications in your lifestyle. You may just be able to change your career and that may do the trick right there with no other actions needed. Diet is also another factor, cutting our sodium and going on a diet can definetly help. Excercise in my humble opinion is the best remedy for these minor types of health issues.
There could be some underlying health issues as well though so make sure you consult with your physician before embarking on any pyhsical fitness regimen.
So what can you expect after underwriting your file? Depending on how bad your condition is you may still be able to obtain the better rate classes for the preferred risks. If you can show that your HBP is well controlled and compliant with your Doctors recommendations.
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