When it comes to obtaining life insurance for high blood pressure, many people are probably wary of applying. After all, they believe that life insurance is only for healthy people and a risk like having high blood pressure may push the premiums to the point where they might be unaffordable.
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The truth is that life insurance policies are available to people in all states of health, in some cases if they have a terminal illness. Having high blood pressure is simply one of the many different risk considerations that a life insurance company will go over before providing a premium level that needs to be paid.
Am I at Risk to Providers due to High Blood Pressure?
For those who have high blood pressure, there are a number of health risks that are associated with this condition. It is perceived to be a warning sign for potential danger to your health that if left unchecked may lead to heart attacks or strokes.
High blood pressure may have numerous causes, but it is a sign of something that is not right with the cardiovascular system. The increased pressure leads to greater wear on the blood vessels and the heart itself as it pumps the blood. While everyone’s blood pressure is different, the key is to keep it from crawling above 140 which is the most commonly used borderline between healthy and unhealthy blood pressure.
Normal blood pressure ranges around 110 over 80 with some variations to that effect. In addition to medication, blood pressure can be affected by the amount of exercise and your diet. In most cases, people can bring down their blood pressure rather quickly if they choose to exercise properly, eat a healthy diet and take the proper medications.
How Can I Find High Life Insurance with High Blood Pressure?
When it comes to getting life insurance high blood pressure, it is actually more affordable that you might think. High blood pressure is not only fairly common it is also treatable as well. With millions of people suffering from high blood pressure, the additional amount of coverage needed is generally not all that expensive when it comes to the premium costs.
There are several other factors that will be involved in the monthly cost of the premiums as well, including the following;
- General Health
- Size of Benefits
- Term or Whole Insurance
All of these factors will play into how much the monthly premium will be for life insurance high blood pressure recipients. The older you are the more that you will pay as you are at increased risk for health issues. Your state of health will also be an important factor as if you have issues such as diabetes or heart problems that can drive up your premiums as well. The larger the benefits, the higher the premium payments will be and whether you choose term or whole life insurance will play a big role as well.
The additional expense that having high blood pressure brings will depend on the other factors, but generally speaking you can expect a significant rise in your premiums. However, this is the type of additional expense that may be reversed if you should manage to lower your blood pressure to normal levels.