When you apply for life insurance protection, the insurance company is going to review dozens and dozens of different factors to determine how much they are going to charge you for insurance protection.
Before the insurance company approves your application for life insurance, they are going to require that you take a medical exam. The results of the medical exam are going to play a major role in how much you pay for your coverage. They are going to decide how much risk you are, and if you have high blood pressure, then you’re going to be considered a high-risk applicant.
High-Risk Applicants with High-Blood Pressure
Before we start looking at the specifics of getting life insurance with high blood pressure, it’s important that you realize that regardless of your blood pressure or any health problems that you have, it’s possible to get affordable life insurance coverage. Don’t let your health prevent you from getting the insurance protection that you and your family deserve.
If you have high blood pressure, then you’re at a much higher risk for a variety of different health complications. High blood pressure can lead to complications like heart attack, stroke, aneurysm, and much more. Because you’re at a higher risk for all of these complications, that means that you’re going to pose a higher risk to the insurance company. They are going to offset that risk by charging you higher premiums.
With some insurance companies with strict medical underwriting, there is a chance that you could get declined for protection. There are a few companies out there that don’t want to take that additional risk. If you’ve been rejected for life insurance in the past because of your health, don’t assume that you can’t get life insurance protection. There are several ways that you can secure an affordable plan for you and your family.
Getting Lower Insurance Rates
If you’re looking to get the most affordable life insurance, there are a few things that you should do. There are a couple of ways that you can get the best rates possible. We promise that none of these tips or tricks are going to require you to completely change your life.
The first thing that you should do is cut out any tobacco that you currently use. If you’re a smoker, then you’re going to be facing much higher rates for your life insurance coverage. Smokers high a higher chance of having a heart attack or stroke, and as a person with high blood pressure, this greatly increases your chances. The insurance company is going to view smokers as high-risk applicants, and they are going to offset that risk by charging you drastically higher premiums. In fact, smokers are going to pay at least twice as much for their insurance protection versus what they would pay if they didn’t smoke. With some companies, you’re going to pay three times as much, or you’re going to be declined for coverage.
The next thing that you should do is improve your overall health. Before the insurance company approves your application, they are going to require that you take a medical exam, unless you have chosen to purchase a no medical exam life insurance policy, which will come with a higher premium rate. The results of that exam are going to play an essential role in how much you pay every month. If you want to save money, you will need to get better results. The best ways to do that are to stick to a healthy diet and get regular exercise. Both of these are going to help you lose weight, lower your blood pressure, lower your cholesterol, and much more. Improving your overall health can reduce your insurance rates by as much as 50% or more.
The best way to ensure that you’re getting the lowest rates is to compare dozens and dozens of plans before you decide which ones are best for you. Every company is different, and all of them are going to offer you different rates depending on which one that you contact. Some insurance companies are going to be stricter than others, and those companies are going to give you more expensive rates. Because every company is different, you’ll get drastically varying rates.
There are hundreds and hundreds of companies on the market, and you could spend weeks calling different companies to get quotes. Instead of wasting hours and hours calling those companies, let one of our independent agents do all of the hard work for you. We work with dozens and dozens of highly rated companies across the nation. We know which companies are going to give you the best rates for your specific situation. Working with one of our agents can save you both time and money on your life insurance coverage.
Life Insurance with High Blood Pressure
You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the life insurance coverage that your family deserves. If something tragic were to happen to you, and you didn’t have life insurance, your family would be left with a massive amount of debt and other final expenses. Losing someone that you love is never going to be easy, but being stuck with a mountain of debt is going to make the whole situation that much worse.
If you have any questions about getting life insurance with high blood pressure, please contact one of our agents today. We would love to answer those questions and ensure that you’re getting the best plan for you and your loved ones. Contact one of our agents today, and we can get the insurance process started.