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  • How does high blood pressure affect life insurance?
  • March 11, 2014
  • How high is too high? An applicant whose blood pressure soars to 180/110 and/or is left untreated, could be declined depending on their age and if they have heart disease, diabetes or other related medical conditions, said Anna Hart, MS, SRN, principal and consulting underwriter with ARH Consulting in Eastland, Texas.

    “The higher the reading at a younger age, the worse the rating,” Hart said, noting a 25-year-old male is not expected to have high blood pressure.

    Ratings get even worse if you add in obesity, smoking and drinking alcohol, she added.

    The good news is you can come back to the same insurer in six months to a year and get a better rating, even preferred plus is possible — if you show a pattern of control through proper medication, Hart said.

    Pinney says it is normal for a person’s blood pressure to vary 20 to 30 points during the day, depending on the time and circumstances. To keep your blood pressure low for an exam, he recommends having it done in the morning when you tend to weigh less and have lower blood pressure with no stress of sitting in traffic. “Don’t have any caffeine, alcohol or any stimulants or depressants including aspirin and ibuprofen as they can mess up your results, too.”

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