Best life insurance companies for people with high blood pressure in 2022

People with very high blood pressure pay more for life insurance, but insurers are more flexible toward applicants with hypertension or well-treated conditions.

Rebecca Shoenthal author photoAmanda Shih author photo


Rebecca Shoenthal

Rebecca Shoenthal

Editor & Licensed Life Insurance Expert

Rebecca Shoenthal is a licensed life, disability, and health insurance expert and a former editor at Policygenius. Her insights about life insurance and finance have appeared in The Wall Street Journal, Fox Business, The Balance, HerMoney, SBLI, and John Hancock.

 & Amanda Shih

Amanda Shih

Editor & Licensed Life Insurance Expert

Amanda Shih is an editor and a licensed life, disability, and health insurance expert at Policygenius, where she writes about life insurance and disability insurance. Her expertise has appeared in Slate, Lifehacker, Little Spoon, and J.D. Power.

Updated December 2, 2021 | 3 min read

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If you have high blood pressure, it’s easier than you might think to get the life insurance you need at a price that fits your budget. 

Life insurance companies take a holistic view of your health and lifestyle to set your policy premiums. With the proper diet and medication, having high blood pressure won’t prevent you from getting affordable life insurance — many insurers will consider you for their best rates even if you have hypertension. Learn how providers evaluate your high blood pressure and which details impact your rates. 

Key Takeaways

  • You'll pay more for life insurance if you have critically high blood pressure (i.e., systolic blood pressure higher than 180).

  • If you have moderately high blood pressure, you can qualify for more affordable rates.

  • Your treatment plan, age of onset, blood pressure readings, and overall health impact your premiums.

The best life insurance companies for people with high blood pressure

Most Policygenius partner life insurance companies offer their most affordable rates to people under age 50 with blood pressure readings consistently at or below 135/85 (considered stage 1 hypertension).

AIG, Banner, and Protective each offer their lowest rates to people with moderately high blood pressure up to age 60, with or without treatment.

Brighthouse may offer competitive rates to people taking up to one medication with a blood pressure reading below 180/100.

Other factors, such as your treatment plan, age, exact blood pressure reading, and health history will impact your rates. You’ll find the best policy by working with an independent broker or agent to compare quotes from multiple insurance companies.

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What factors impact life insurance for people with high blood pressure?

During life insurance underwriting, you’re assigned a health classification based on your health and lifestyle. The riskier your health, the higher your premiums.

High blood pressure can cause health issues like heart disease, stroke, and kidney disease. [1] If you have high blood pressure, prepare to answer questions such as: 

  • When were you first diagnosed with high blood pressure?

  • Have you ever experienced any complications due to your blood pressure?

  • What medications are you taking for your blood pressure, if any, and what is the dosage?

  • What is your current blood pressure and when was it last measured?

  • How often do you measure your blood pressure?

Here's how key factors like your age of diagnosis, symptoms, and treatment are evaluated:

Age of diagnosis

Generally, the younger you are the lower your rates will be. But how old you were when you were first diagnosed with high blood pressure also affects your premiums. 

If you have had high blood pressure your entire life, you may be evaluated differently than if you’ve developed this condition in the last year due to stressful circumstances.

Severity of symptoms

Your blood pressure reading is made up of two sets of numbers: systolic (upper number on a blood pressure reading) and diastolic (lower number on a blood pressure reading). The following blood pressure numbers from the American Heart Association are broken down by category, ranging from Normal to Crisis. [2]

CategorySystolic Diastolic
NormalUnder 120andUnder 80
Elevated120-129andUnder 80
High (hypertension) Stage 1130-139or80-89
High (hypertension) Stage 2140 or higheror90 or higher
CrisisOver 180and/orOver 120

Someone with numbers in the Elevated or High - Stage 1 range is more likely to qualify for lower rates than someone in the High - Stage 2 range. Someone in the Crisis range may be declined coverage

Some life insurance companies could request medical records up to 10 years in the past to do a more thorough evaluation.

Treatment plan

Your provider will likely ask which blood pressure medications you take to manage your condition. With a treatment plan, you could be considered lower risk than someone who hasn’t made any changes to control their symptoms. 

In addition to questions about medication, you might be asked:

  • What does your diet look like?

  • How much caffeine do you consume?

  • Do you smoke?

  • Do you drink?

  • Do you exercise?

  • How do you manage stress?

Your answers to these questions can give the underwriter a more complete understanding of how well you’re managing your blood pressure.

Don’t be too concerned if you’re shopping for life insurance with a high blood pressure diagnosis. Some people will pay higher life insurance rates, but you may qualify for competitive premiums if your blood pressure is well-managed. Shop around with multiple providers with a licensed broker to ensure you’re getting the best policy.

Frequently asked questions

Can you get life insurance if you have high blood pressure?

You can still get life insurance. Depending on your blood pressure reading, age, and treatment plan, insurers may even offer you the lowest possible premiums for your demographic.

What do insurance companies consider high blood pressure?

Generally, blood pressure of 130-139 over 80-89 is considered high by insurance underwriters. Blood pressure of 140/90 or higher may impact your rates, while a reading over 180 can disqualify you for a policy.

Will you be denied life insurance if you have high blood pressure?

It's unlikely you'll be denied based only on high blood pressure as long as your systolic reading is under 180. You may be declined based on your complete health history.

Does COVID-19 affect the life insurance application process or eligibility?

Due to the ever-changing nature of the coronavirus pandemic, some insurers are modifying processes and/or imposing coverage restrictions on certain health conditions or age groups. Speak to a Policygenius agent for free to find out how to get the most affordable policy.