High blood pressure, or hypertension, is a very common condition in the UK where an individual experiences consistently increased blood pressure levels over a long period of time.
In the UK alone the National Health Service estimate that one quarter of all adults have high blood pressure that might benefit from treatment. And for those over the age of 60, this statistic rises to approximately half of all people living in the UK.
Though a potentially serious condition if left untreated, most people with hypertension can manage their situation effectively through a mixture of exercise, diet control and medication. However, as with any serious medical condition, such a situation can have a severe impact on your ability to find the right insurance policy. But it can be done!
The most important thing to do when you suffer from any medical condition is to ensure that you search the market and find the most suitable policy for your own personal situation.
Many standard insurance companies can offer life policies to people suffering from high blood pressure while other companies specialise in offering cover for those with hypertension.
Internet comparison sites can give you an indication of premium costs, but it is only when you drill down into the finer detail of your own personal situation that you can truly understand what the terms will be.
For a clearer picture of the range of policies available, please contact us as we have extensive knowledge of a broad range of policies and can guide you through the process.
Read the Fine Print
When buying life insurance with high blood pressure, the key to a high quality policy is in the fine print. Make sure you are fully aware of the exclusions of the contract and any extenuating circumstances that will not be covered. Protection may depend on regular medication or other personal circumstances, and these should be clear before you take up the cover.
If you have any concerns about anything within the terms of the policy then please talk to us as we will be able to walk through the paperwork with you and help you understand the finer points of the policy.
A significant proportion of life insurance claims that are rejected are due to incorrect information being included on the application form. This can be due to deliberate fraud or a complete oversight on the side of the applicant. So make sure your policy is going to be valid when you need it the most.
Though you may think that withholding information makes insurance cheaper, if you have paid years of premiums only for the claim to be rejected after you have gone, your policy just becomes a very expensive piece of paper with no benefit at all.
If your insurance company requests further information either by way of access to your medical records or via a specific medical investigation then agree whenever you can. The more information your insurance provider has, the more tailored your policy will be to your own individual situation.
Providing supporting evidence to your answers or taking the time to complete further questionnaires can ensure all qualifying factors are met during the application process and actually make your premiums lower than you would think.
For those that say you cannot get life insurance if you have high blood pressure, we say you are wrong. High quality, well priced policies are available for many people who suffer from this common condition and, with the right advice, it is possible to find the one for you.
Please see our dedicated high blood pressure life insurance page here for further details.
Alternatively you can compare quotes here.