September, 23 2017

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Best Life Insurance Companies for High Blood Pressure 2016

Best Life Insurance Companies for High Blood Pressure 2016

Best Life Insurance Companies for High Blood Pressure 2016

High blood pressure (hypertension) is a common health concern in 2016 and many Americans are taking a blood pressure lowering medication such as Lisinopril. So when applying for life insurance in 2016 you want to look at companies that underwrite blood pressure medications favorably. To help you out I put together a list of the best life insurance companies for high blood pressure in 2016.

High blood pressure (hypertension) can be a serious health condition if left untreated.  Damage to the arteries, heart, brain, and kidneys are possible repercussions of not controlling hypertension.  Fortunately, with advances in medicine, today high blood pressure is a very treatable condition and for some insurers won’t affect your rating category.

The CDC reports that an estimated 68 million adults have high blood pressure or are treating their hypertension with a blood pressure lowering medication such as Lisinopril, beta blockers or a water pill-Hydrochlorothiazide.  That’s roughly a third of the adult U.S. population.  Fortunately, an applicant that has a history high blood pressure or is currently on a high blood pressure lowering drug can still qualify for an excellent life insurance rate if they choose the right company.

Common Blood Pressure Medications for people who apply for life insurance in 2016: ACE Inhibitor such as: Lisinopril (Prinivil), Atenolol (Tenormin), Diovan, Bystolic, Metoprolol, Benazepril, ​Hydrochlorothiazide (Zestoretic), Norvasc, Toprol, Benicar, Losartan (Cozaar), Lisinopril- Hydrochlorothiazide, Spironolactone (Aldactone), Irbesartan (Avapro), Nadolol (Corgard), Candesartan (Atacand), Telmisartan (Micardis), Valsartan (Diovan), Labetalol (Trandate), Bisoprolol (Zebeta), Carvedilol (Coreg).

 

Best Life Insurance Companies for High Blood Pressure 2016

American General Life Insurance Company (AIG)– American General will allow best rate class if taking a blood pressure medication with evidence of blood pressure control for past 6 months of 135/85 for ages 60 or under and 140/85 for ages 61 and older.

Mutual of Omaha (United of Omaha)- Mutual of Omaha Life Insurance Company allows the best rate class if you’re taking blood pressure medication if blood pressure is well controlled with ages 18-55 average reading 135/85 or better and age 56 and older 140/85 or better.

Protective Life Insurance Company– Protective Life Insurance Company allows applications to remain eligible for the best rating class if taking a blood pressure medication and history readings over are under control the past year did not exceed 135/85 though age 60 or 140/85 for ages 61-70. 

Banner Life Insurance Company (Legal & General)- Allows applicant to still qualify for best rating class if their blood pressure is controlled with or without a medication as long as the average reading over the past two years did not exceed 136/86.

The companies listed above are for non-smokers.  If the applicant does smoke they will remain eligible for an excellent rate with high blood pressure as long as it’s under control.

 

What if your blood pressure is still elevated and you need to apply for life insurance?

There are still many life insurance companies that will offer life insurance with continued high blood pressure with or without medication. United of Omaha Life Insurance Company (Mutual of Omaha) will allow a total blood pressure of 152/90 for ages 55 or under and 156/92 for ages 56 and over and still be eligible for a standard plus rate class (see chart below).

 

Life Insurance Blood Pressure Chart

Here are the blood pressure guidelines (sample blood pressure chart) for Mutual of Omaha:

 

Preferred Plus

Treatment allowed with good

control

Ages 18-55 Avg BP <135/85;

Ages 56 and above <140/85

Preferred

Treatment allowed with good

control

Ages 18-55 Avg BP <145/90;

Ages 56 and above <150/90

Standard Plus

Treatment allowed with good

control

Ages 18-55 Avg BP <152/90;

Ages 56 and above <156/92

 

Getting Life Insurance with High Blood Pressure

As you can see, getting life insurance while taking a blood pressure medication doesn’t mean you can’t qualify for a low rate. There are several life insurance companies in 2016 that will still allow a preferred plus rate class even while taking a medication such as Lisinopril. What rates do you qualify for from the nation’s top companies? Click on the green button below and compare rates.