insurance

Top 10 health hazards for life insurers

Life Insurance » Top 10 Health Hazards For Life Insurers

High blood pressure
High blood pressure

Just because your blood pressure has never remotely approached 120 over 80 doesn't mean you won't be offered an attractive rate on a life insurance policy.

"The industry underwrites very favorably individuals who have high blood pressure that is well-controlled and well-managed," Goldstein says. "Every company would have different criteria, but if your physician started you on some medication and it shows by a couple of readings that you're in really good control, most carriers would look at that very favorably."

Of course, that doesn't mean that the insurer won't want to take a peek under the hood, and for good reason.

"High blood pressure that's not well-controlled can lead to a lot of end-organ diseases like coronary artery disease, stroke, kidney damage, peripheral artery disease -- a lot of different vascular complications," says Goldstein.

In fact, someone with high blood pressure might even qualify for a preferred policy.

"Yes, they could," she says. "Different carriers have different categories of preferred, but yes, high blood pressure that is well-managed, most carriers would have that qualified for preferred."

advertisement

Show Bankrate's community sharing policy
          Connect with us
advertisement
CD & INVESTING NEWSLETTER

Learn the latest trends that will help grow your portfolio, plus tips on investing strategies. Delivered weekly.

Blog

Jay MacDonald

Obamacare’s Heartbleed heartburn

HealthCare.gov users need to change their passwords as precaution against the security threat.  ... Read more

advertisement
Partner Center
advertisement

Connect with us