Whether you currently have high blood pressure readings or have had blood pressure-related issues in the past, iLL helps you to compare the market and find the right high blood pressure life insurance for your needs.
There are no symptoms associated with high blood pressure (hypertension), but it can lead to health problems such as a stroke or a heart attack if left untreated. You need to have your blood pressure checked to see if it is too high. Readings are taken in a two-number format. The higher number shows the force at which your heart pumps blood around the body, while the lower number indicates the blood flow in your blood vessels. High blood pressure is typically considered to be a reading of 140/90mmHg or more, although what is ‘good’ for a person varies depending on height, weight etc.
High blood pressure puts pressure on other organs in the body such as the heart, kidneys and brain. If your blood pressure is too high, you run the risk of developing heart disease, stroke and heart attacks. You are at a greater risk of developing high blood pressure if you are overweight or obese, if high blood pressure runs in your family, you don’t take enough exercise, or if you drink excessively or smoke. Plenty of exercise and eating healthily can reduce your risk of developing high blood pressure (or lower it if you are already suffering from high blood pressure).
If you have high blood pressure and you’re looking for life insurance, you may be wondering whether you will be accepted for cover because of your health. As high blood pressure is relatively common and can be controlled through mild medications and lifestyle changes, many insurers will accept applications. Some insurers may however exercise more caution. You should have your most current blood pressure readings to hand, as an insurer will most likely want to know these.
All insurers have to underwrite applications they receive from customers looking for high blood pressure life insurance, as they need to manage their level of risk. If you have experienced heart attack or stroke as a result of high blood pressure, it can be more challenging to find an insurer that meets your needs. This is where iLL’s comparison service can help you to find the right insurer for your personal circumstances.
As high blood pressure is a common health problem, you should expect to either be offered cover at standard rates or at slightly higher premiums than a person with no health conditions at all. This will however depend on the severity of your condition, the medications you are taking and how strong they are, and how you manage your blood pressure through diet and lifestyle. It is important to demonstrate to an insurer that you are keeping your blood pressure levels under control.
Prices from insurers will vary depending on who you speak to, which is why iLL is the perfect place to find the best high blood pressure life insurance specialist.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if your high blood pressure is highly elevated, you have not taken steps to manage your weight and causes of your high blood pressure, and you have previously had a heart attack and/or stroke as a result of your condition, an insurer may take the view that there is a great likelihood of you making a claim to them. A loading fee may therefore be applied to cover this risk.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer for cases of high blood pressure, helping you to compare prices and find the best deal. Get your quick and easy quote by filling in one of our forms.
iLL works with many of the UK’s leading high blood pressure life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one life insurance broker. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:
Many life insurance providers assess applications for critical illness cover in the same way that they do for life insurance. If you have high blood pressure, you generally shouldn’t have any problems securing critical illness cover. You will need to know your most current blood pressure readings. You will also need to demonstrate to an insurer that your condition is under control with medications and lifestyle/diet modifications. Standard terms are often offered to people who manage to control their high blood pressure. This does however depend on your circumstances.
iLL’s policy comparison service can help you find the right cover for high blood pressure life insurance and critical illness. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today. It’s quick, easy to do and saves you time and hassle searching for the right insurer.
For more details about high blood pressure, visit the following links:
Blood Pressure UK
If you have high blood pressure, it can be confusing to know where to start when you’re looking for the right life insurance cover. iLL makes it quick and easy to get life insurance quotes from insurers that are right for you. Just fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for high blood pressure life insurance.