Life Insurance with High Blood Pressure
How High Blood Pressure Affects Life Insurance Rates
How an insurance provider classifies you will largely be dependent on the amount of control you have over your condition.
If your high blood pressure is well-controlled by you and your physician through medication and/or other treatment and you are otherwise healthy, there is no reason for you to not be put into a health class rather than the Table ratings system. In fact, depending on your overall health, you could even be eligible for Preferred Plus rates— the best policies. In addition to your high blood pressure, life insurance companies will also be looking at any other medical conditions that may be present.
Now, if your blood pressure is only moderately controlled through medication, for example, you will likely be offered a Standard rating. With poorly controlled high blood pressure you are likely to still get approved, but you may get a table rating.