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 risks 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 risk considerations 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 several health risks that are associated with this condition. It is perceived as 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 wrong with the cardiovascular system. The increased pressure leads to greater wear on the blood vessels and the heart as it pumps the blood. While everyone’s blood pressure differs, the key is to keep it from crawling above 140 which is the most commonly used borderline between healthy and unhealthy blood pressure.
How Can I Find High Life Insurance with High Blood Pressure?
When it comes to getting life insurance for high blood pressure, it is actually more affordable than you might think. High blood pressure is not only fairly common, but it is also treatable. With millions of people suffering from high blood pressure, the additional coverage needed is generally not all that expensive when it comes to the premium costs.
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Several other factors will be involved in the monthly cost of the premiums as well, including the following;
- General Health
- Size of Benefits
- Term or Whole Insurance
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 you will pay, as you are at increased risk for health issues. Your state of health will also be an important factor if you have issues such as diabetes or heart problems that can also drive up your premiums. The larger the benefits, the higher the premium payments will be, and whether you choose term or whole life insurance will play a significant role as well.
The additional expense of having high blood pressure will depend on the other factors, but generally speaking, you can expect a significant rise in your premiums. However, this type of additional expense may be reversed if you manage to lower your blood pressure to normal levels.