High blood pressure, also known as hypertension if not properly manage can turn into a significant threat referring to heart disease. The veins in the human body can harden over time (known as atherosclerosis) and if hypertension goes without remedy, can lead to heart attacks or cerebral vascular accidents. This ailment can potentially affect your aim to get a life insurance plan.
Quite a number life insurance companies will offer the best possible quote even with moderately complications with blood pressure levels, or with the use of blood pressure medication to control the condition. Every firm has distinctive rules to follow precisely what trend of hypertension or treatment they will make it possible for as a highest possible at a given risk class level (the risk class determines the premium).
Some companies will immediately invalidate you from the best rates simply for taking a blood pressure prescription, even if the condition is well under control. Other companies may consider 130/80 to be the optimal point for the best quotes, while still other people may be adaptable with readings closer to 140/85 still qualifying for the most favorable rates. There are various firms that will still provide the best rates even with the use of the use of one or two blood pressure medicines.
Unrestrained blood pressure problems often goes hand in hand with serious health problems including heart attack, coronary artery malady, enlarged heart, diabetes, kidney breakdown and stroke. More often than not, a life insurance company will look much more positively upon a person who is using antihypertensives to handle their blood pressure than a person who has even slight hypertension who refuses to take medicine.
Stage 1 elevated blood pressure (140/90 to 159/99)
Stage 1 often proves to be treated using diuretics. A diuretic works by detoxing excess salt and water from the body system. Well-known diuretics are Lasix (furosemide) and hydrochlorothiazide . You may have heard someone talk about their diuretic as a “water pill”. The diuretic along with life style changes could be sufficient to bring anyone’s blood pressure straight down into the normal range. If this is you, a good agent should be able to achieve insurance in while staying free of price increase due to the hypertension history.
Stage 2 high blood pressure (160/100 or higher)
Most of the time a combination of treatment options will be prescribed by a doctor for stage 2 blood pressure problems. As long as the prescription meds work well and all readings have been normal for at least twelve months then it is still possible to find the best rate class. The agent must be watchful and carefully review underwriting policy to ensure that no penalty is assessed for managed blood pressure with the company he is quoting. It continues to be a possibility qualify for preferred plus is everything else is good.
Underwriters will look at the following queries when other risk factors are combined with hypertension:
Your blood pressure medication
Have your readings and medical assessment better over time?
Diet and exercise routine?
Have you been being treated for high cholesterol?
Are you overweight?
Do you smoke a cigarette?
Have you had any cardiovascular concerns?
Is there any family history of heart problem just before age 60?
Are there any other health-related risk factors?
05 Oct 2013