Best Life Insurance Companies if Being Treated for High Blood Pressure
In 2013, high blood pressure medications were one of America’s most prescribed drugs. In fact, according to the CDC, as many as 1 in 3 adults in our country have hypertension. With these statistics, I wanted to put together a list of the best companies for people taking high blood pressure medication to help them get the best rate and save money on their life insurance.
How Life Insurance Companies View Blood Pressure Medication
Out of the estimated 2,000 life insurance companies in the United States, almost all of them will increase your premiums if you are taking high blood pressure medication. There are however a few companies that will not do this and here we will give you the insider information.
3 Best Companies if Taking Blood Pressure Medication
- Banner Life- Underwriting guidelines for blood pressure: in order to qualify for the best rating class-Preferred Plus with Banner, your blood pressure must be well controlled with or without treatment (medication), with the average readings in the past two years not greater than 136/86 (non-tobacco).
- Protective Life-Underwriting Guidelines for blood pressure: best rating class-Select Preferred possible if average from current medical exam and history readings within the last year do not exceed 135/85 through age 60 or 140/85 for ages 61-70 (non-tobacco). Treated blood pressure must have been controlled for one year with favorable doctor’s records readings throughout the year.
- Genworth Life- Underwriting Guidelines for blood pressure: best rating class- Preferred Best possible- if treated (medication) or untreated. Average readings do not exceed for ages 0-50: 135/85 ages 51-64: 140/85 (non-tobacco).
If you are taking blood pressure medication, no longer are you doomed to pay higher premiums. If you meet the criteria above for these companies, you can still obtain the best rating class possible, saving you potentially thousands of dollars over the life of your policy. Feel free to comment below if you have any questions or something to add.
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