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  • How does high blood pressure affect life insurance?
  • March 11, 2014
  • blood pressure insuranceBy

    High blood pressure is called the silent killer for a reason. One in three adults in the U.S. has it, many with no symptoms, no red flags and, unless they have seen a doctor lately, no idea their numbers are so high that they are at risk for heart attack or stroke, according to Centers for Disease Prevention and Control.

    “High blood pressure is a precursor or indicator of other health issues going on,” said Ryan Pinney, brokerage director with Pinney Insurance Center in Roseville, Calif. He said that is why underwriters and insurance companies take into consideration an applicant’s systolic (top) and diastolic (bottom) readings much like they do their height and weight when determining how they will be rated for life insurance

    He said a blood pressure of 130/85 is normal and would usually result in a preferred or preferred plus rating, the best and least expensive, while 150/90 would bring you down to standard, or even substandard rating, depending on whether it is being effectively treated with medications.

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