Yes. High blood pressure is one of the most common things insurers see. Readings under 135/85, even with medicine, can still get some of the best rates at some companies.
The CDC says nearly half of US adults have high blood pressure. Insurers see it every day. If your numbers are under control, you have a good shot at fair rates.
Many insurers see high blood pressure as over 135/85. They ask what medicine you take, the dose, and your last reading. Some may ask for up to 10 years of records. Being diagnosed after 50 can help. Being diagnosed in the last 2 years can hurt more. Readings in the crisis range may lead to a no.
Timing can help. Policygenius suggests that one year of better readings before you apply can help you get standard rates. Rules differ by company. Banner Life lists under 140/90 for its second best class, per Policygenius.
What insurers look at
- Your blood pressure readings (many insurers use 135/85 as the line, per Policygenius)
- Your medicines and the dose
- How long your readings have been steady
- How long ago you were diagnosed and your age then
- Other conditions like heart problems, diabetes, high cholesterol or sleep apnea
- Whether you smoke
Coverage that may fit
The usual fit. Policygenius says Banner Life and Corebridge may give their best rates for readings under 135/85, with or without treatment.
No exam, but you answer health questions. Coverage often reaches about $50,000, and you can still be turned down for serious conditions. Can work if your blood pressure is your only issue and you want to skip the exam.
For people who cannot pass health questions. There is no exam and no health questions, coverage tops out around $25,000, and the price is high. Mutual of Omaha sells it to people 45 and older, per Policygenius. Most have a waiting period, often 2 years, before the full amount pays for a natural death (Policygenius, graded death benefit). People with very high readings may be turned down for regular coverage, so this is the fallback.
Common questions
Will taking blood pressure pills raise my rate?
Not always. Some insurers give top rates for readings under 135/85 with or without treatment.
What reading do insurers look for?
Many use 135/85 as the line. Some use 130/80, per Policygenius.
Should I wait to apply?
A year of better readings can help you get standard rates. Waiting also has a cost if something happens, so weigh both.
Sources
General information, not medical advice. Insurer rules change. An agent can tell you which companies treat your condition best.
