high blood pressure
High blood pressure life insurance
This is a condition that we come across on a daily basis here at Trustsured. It is thought that as many as 1 in 4 adults in the UK may have raised or high blood pressure. However, many people will not be aware that they have the condition as symptoms can be overlooked.
The reason raised blood pressure is a consideration for insurers is that it can have implications on other parts of the body if left uncontrolled. This may lead to more serious conditions. High blood pressure will inevitably put more stress onto the blood vessels of the body which can affect the major organs such as the heart, kidney and the brain. In some cases this may lead to the sufferers having a stroke, heart attack, kidney failure or even blindness.
So, it would be fair to say that insurers are not actually concerned with raised blood pressure in itself when considering an application for life insurance or critical illness cover. They are more concerned with higher readings that are left uncontrolled for prolonged periods of time, which lead to other potentially life changed conditions.
What is considered high blood pressure for life insurance?
Typically, if a person seeking to apply for high blood pressure life insurance have readings that fall on of below 140/90, then it is often the case that the disclosure will not affect their application,
There are considerations which can affect an outcome. These include how long the person has been diagnosed with the condition. For example, if a person was diagnosed within the last 6 months, then it would be common for the insurer to either add a small rating to the premium or postpone the offer of insurance until a little more time has past since diagnosis, (typically 9-12 months),
Also, if there are other related conditions disclosed during the application such as diabetes or a history of heart attack or stroke, then it is no longer possible for the insurer to consider the issue of high blood pressure separately. In such cases, it would be commonplace for an insurer to request a report from the applicants GP. The insurer would then consider the entire set of circumstances and make an informed decision as to what cover can be offered.
If an applicant has a history of high blood pressure that seems to be less well controlled, then in most cases, the insurer will ask for the applicant to get the condition in a state that is more controlled before offering insurance.
It’s worth noting that if an individual has registered a reading with a medical professional that was unusually high, it’s often worth attempting another reading before approaching an insurer. Commonly, insurers use the most recent reading as a measurement in assessing the application, So, if your last reading was higher than normal, it can have implications to the cost of the cover or eligibility of the applicant. A stressful day, being late for the appointment, or even ‘white coat syndrome’ can all lead to an increase in blood pressure. To give yourself the best chance of a positive outcome, get another reading completed if you think there was the chance the last one was affected in some way.
Can you get life insurance if you have high blood pressure?
Well, firstly, speak to a broker such as Trustsured. We are specialists in dealing with applications from people who require high blood pressure life insurance. It’s worth pointing out that not all insurers are the same in terms of the underwriting philosophies they employ. There is a very real chance that a decision a person received form one particular insurer may be completely different to a decision they get from another.
For example, person A applies for a raised blood pressure critical illness policy with insurer A. During the application process they disclose, as part of the health and lifestyle questionnaire, that they are taking two different types of blood pressure medication and have been doing to for the last 18 months. Their condition has been well controlled and stable for the past 12 mths and there are no other health conditions to take into consideration.
Due to the number of medications being more than one, insurer A may have a standard policy to add a 25/50% loading to the cost of the premium. This means the original premium is increased by that amount. At this point, person A may assume this is just the way it is and either accept the new increased cost or decide it’s too expensive and give up on the idea all together. Had person A come to Trustsured, they would have been made aware of insurer A’s standard policy. They would also have been made aware that Insurer B does not have any such policy and would be more than happy to accept the application without any alteration to the cost of the premium.
The above is just one example of how our experience at Trustsured can benefit our customers experience. So, speak with Trustsured today if you are considering your options for high blood pressure life insurance.
How does the process of applying for high blood pressure life insurance work?
We aim to make the entire process as simple and easy as possible. Firstly, fill in your details via one of our ‘get a quote’ tabs and let us know when is best to contact you. You will be assigned a dedicated point of contact who will work with you throughout the entire process. With expert knowledge of what implications a disclosure of high blood pressure will have with all of our panel of insurers, you are in safe hands.
Once you have explained your needs to your point of contact, they will explain your options with accurate costs of premiums. You can then make an informed choice. We email out all our quotations along with all relevant supporting documents to give you time and space to consider which option you would like to choose. If you decide to proceed, your dedicated point of contact will guide you through the entire application process from start to finish with the aim of getting you insured as quickly and efficiently as possible.
So, if you considering your options for high blood pressure life insurance or critical illness cover, get in touch. Similarly, if you have an existing policy that you think you may be paying more, we may be able to help you reduce the cost.
There really is no need to leave the price of you life insurance to chance. Or, to think you might not be eligible for cover when you have just not been pointed in the best direction for your circumstances. Just get in touch with us here at Trustsured and let us explain everything you need to know today!