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Blood Pressure Life Insurance

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High Blood Pressure Life Insurance

 

 

How it works:

When assessing your application for High Blood Pressure Life Insurance underwriters will consider:

  • Current blood pressure readings
  • When you were diagnosed with High Blood Pressure
  • Medication reading
  • Any underlying health conditions related to the High Blood Pressure
  • How often you attend reviews

Here at The Insurance Surgery, we specialise in assisting people with pre-existing medical conditions like High Blood Pressure to apply for life insurance. We are an independent broker so will look at the whole of the market to find you cover.

Case Study 1

    • Client: Female
    • Age: 37
    • Smoker status: Non-smoker
    • Medical condition: Asthma, high blood pressure and fibroids
    • Cover date: 9th September 2019
    • Product type: Level life insurance
    • Cover amount: £100,000
    • Cover term: 30 years
    • Premium: £25.37

We were approached by this lady on the 1st November 2018 when she completed an enquiry on our website. Our advisor Suzie then called her back to discuss her life insurance needs and any medical conditions that she has. At this point she disclosed that she has asthma, high blood pressure and fibroids. She also told Suzie that she was looking for £150,000 of cover over a 30-year period. Our advisor Suzie then took this information and applied to one of our mainstream providers, however the lady was not happy with the price, therefore Suzie suggested sending out for a GP report. She suggested this as a GP report may reveal that she is in better health than the insurers believe from the application and therefore they may reduce the premiums. Unfortunately, a GP report can take some time to be completed so the lady had to wait, and during this time she was referred to specialists for further tests for other conditions as well as further assessments for her asthma. This also added time onto the application as it cannot be completed until each result was finalised and the results added onto the GP report. As a result of this, the lady’s application was finally ready at the start of September 2019; due to the fact that the lady’s budget meant she was unable to afford the £150,000 of cover, Suzie applied for £100,000 of cover to another one of our mainstream providers and successfully secured her £100,000 of cover over a 30-year period for a monthly premium of £25.37. This is an amazing premium, especially as the lady has moderately serious asthma as well as various other medical conditions.

As a whole, both ourselves and the client were delighted that we could finally get her covered, especially after such a long process from initial enquiry to the application being accepted. We are passionate about protecting families and will try our hardest to get you covered, no matter how long it takes. Moreover, this is an amazing outcome for this lady considering the length of time it took to complete her application, the combination of medical conditions and the number of medical tests and specialist appointments she had to attend. All in all, this is a great premium and the lady now has peace of mind that her family is protected.

Case Study 2

  • Client: Male
  • Age: 37
  • Smoker status: Non-smoker
  • Medical condition: Stress and raised blood pressure
  • Cover date: 28th October 2019
  • Product type: Level life insurance
  • Cover amount: £200,000
  • Cover term: 40 years
  • Premium: £20.76

We were approached by this gentleman on the 21st October 2019 when he was referred by his sibling. Our advisor Rick then got in touch to discuss his life insurance needs and any pre-existing medical conditions that he may have. At this point he disclosed that he was looking for £200,000 of life cover over 40 years to protect his family should anything happen to him. He then went on to explain that he has suffered from previously suffered from stress and has had raised blood pressure. Both of these conditions are now historic and have been resolved, therefore they present less risk to insurers. After this conversation, Rick them took this information and applied the gentleman to one of our mainstream providers. He secured him £200,000 of cover over a 40-year period for a monthly premium of £20.76.

This is an amazing premium, especially considering the length of time he wanted to have the cover in place. Both us and the gentlemen were pleased with the outcome as he now has the protection that he deserves, and he and his family are protected should the worst happen.

Case Study 3

  • Client: Male
  • Age: 43
  • Smoker status: Non-smoker
  • Medical condition: Type 2 diabetes, high blood pressure and high cholesterol
  • Cover date: June 2019
  • Product type: Increasing life insurance
  • Cover amount: £200,000
  • Cover term: 25 years
  • Premium: £36.68

We were approached by this gentleman on the 23rd April when he completed an enquiry through diabetes.co.uk. Our advisor Suzie then got in contact with him to discuss his life insurance needs and his pre-existing medical conditions. At this point he confirmed that he was looking for £200,000 over a 25-year period to cover his mortgage and to leave something behind for his family. He then went on to explain that he was a type 2 diabetic with high blood pressure, high cholesterol and had previously had bowel polyps removed. Suzie then took this information and applied the gentleman to one of our mainstream providers and managed to secure him £200,000 of life insurance cover for a 25-year period for a monthly premium of £36.68. This is an amazing premium considering the gentleman’s medical history and the amount of cover he wanted. Overall, the he was very pleased that we were able to find him cover at a price that he could afford as he now has peace of mind that his mortgage and family will be protected should he pass away unexpectedly.

As a whole, we were delighted that we were able to get protection for another customer, so that he now knows that he is covered should the worst happen. It is a great feeling when we find cover for a customer, especially if they have been struggling due to a pre-existing medical condition. We are passionate about protecting families and we want to help as many people as possible to get covered.

Most Common Questions

The cost for cover is based on your individual circumstances and factors such as your readings and how stable they are, underlying causes etc. The specialist advisors at The Insurance Surgery are highly experienced at obtaining High Blood Pressure Life Insurance and can look for the best rates across the market.
Yes, critical illness cover may be available to you, our advisors can let you know options based on your personal health and circumstances.
No problem, previous declines don’t influence a new application. The skilled team at The Insurance Surgery are highly experienced in knowing which insurers to approach depending on your condition.
Here at The Insurance Surgery, we have over 16 years of experience in obtaining life insurance for people with High Blood Pressure. We offer a full advice service to help you find the cover you need and we do all the hard work of processing the application so you don’t have to.

Independent Reviews at

 

High Blood Pressure UK Statistics...

  • High Blood Pressure is a reading that is at or above 140/90mmHg
  • Ideal blood pressure is between 90/60mmHg and 120/80mmHg
  • Around 16 million people in the UK have High Blood Pressure
  • Those with High Blood Pressure are three times more likely to suffer from heart disease or a stroke
  • Around 1 in 3 people who have High Blood Pressure aren't aware of this
  • Approximately 30% of women and 32% of men have High Blood Pressure

Symptoms of High Blood Pressure...

It can often be the case that no symptoms are experienced which is why so many people aren't aware they have High Blood Pressure. The only way to know is to have your blood pressure checked. It is advised that adults over 40 years are tested at least every 5 years.

Risks of High Blood Pressure...

With high readings comes added risk. If blood pressure readings remain high there is an increased risk of health problems such as:

  • Heart disease
  • Heart attack
  • Stroke
  • Kidney disease
  • Vascular dementia

What influences blood pressure?

Several lifestyle choices affect blood pressure readings. To bring down levels you can:

  • Eat a healthy diet that is low in salt
  • Reduce alcohol and caffeine intake
  • Achieve a healthy weight
  • Take regular exercise
  • Sleep at least 6 hours per night
  • Avoid smoking

 

Treatment for High Blood Pressure

The first option is to take steps to make healthy lifestyle changes. Some simple changes can quickly bring down blood pressure readings. If medication is required there are several types available and many people need to take a combination. This is often a long-term requirement, although it may be possible for a doctor to reduce the prescription, or even stop it if blood pressure stays under control for several years.

Useful Links:

Blood Pressure UK: https://www.bloodpressureuk.org
British Hypertension Society: https://bhsoc.org
British Heart Foundation: https://www.bhf.org.uk/heart-health/risk-factors/high-blood-pressure
NHS Choices: http://www.nhs.uk/conditions/blood-pressure-(high)/pages/introduction.aspx


Life and Travel Insurance for people with High blood Pressure or Hypertension.

The Insurance Surgery specialise in obtaining insurance for clients with High Blood Pressure or Hypertension.

We have years of experience sourcing Life Insurance, Travel Insurance, Income Protection Insurance, and other products for clients with Hypertension and other medical conditions.

If you live with High Blood Pressure or Hypertension and you require a quotation for life insurance we also offer a guarantee to obtain the most competitive life insurance quotes on the market.

Below is our summary of how Hypertension may affect your insurance needs.

If your High Blood Pressure is under control with medication and you do not have any other complications you will usually be able to obtain life insurance at ordinary rates. If there are additional complications you may experience slightly higher premiums. At The Insurance Surgery, we are able to search the whole marketplace to make sure you obtain the best deal.
Providing your Hypertension is not extremely severe you should be able to obtain travel insurance fairly easily. We have developed a quotation system that allows you to quickly obtain travel insurance quotations from numerous providers by simply entering your medical details just once. To receive your High Blood Pressure travel insurance quotes simply click here and complete the simple online form.

High Blood Pressure Life Insurance related News

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