Best Life Insurance Companies for High Blood Pressure 2024

Our guide on the best life insurance companies with high blood pressure (hypertension) 2024 was written to help educate consumers and financial advisors understand how life insurance companies underwrite hypertension.

Our goal is to help everyone searching for life insurance with high blood pressure better understand how each life insurance underwrites and prices their risk and how to get the best rates.

Let’s get started to help you find the best rates with a history of high blood pressure!

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Best Life Insurance Companies for High Blood Pressure Overview

High blood pressure affects nearly half of all adults (48%) in America. Uncontrolled high blood pressure can lead to serious health issues such as heart disease and stroke. This is why it’s so important to treat elevated hypertension and is a main underwriting factor when applying for life insurance.

Fortunately, modern medicine controls hypertension extremely well and life insurance prices controlled elevated blood favorably. In fact, most life insurance companies offer applicants with controlled high blood pressure (with or without medications) the best rates classes.

Below we’ll take a look at the blood pressure life insurance guidelines from 13 of the nation’s top term and universal life insurance companies in alphabetical order:

• Banner Life
• Cincinnati Life
• Protective Life
• Corebridge Financial (AIG)
• Lincoln Financial
• Mutual of Omaha
• Nationwide Life
• Pacific Life
• Protective Life
• Prudential (Pruco)
• SBLI
• Symetra Life
• Transamerica

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Banner Life Blood Pressure Guidelines

Below are the blood pressure guidelines for Banner Life Insurance Company for ages 20-75 for all health classes.

Ages	Preferred Plus	Preferred	Standard Plus	Standard
20-75	135/85	140/90	145/90	156/94

_{Current blood pressure readings well controlled with or without medication with the average readings not exceed the numbers above}

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Cincinnati Life Blood Pressure Underwriting Guidelines

Below are the blood pressure guidelines for Cincinnati Life Insurance Company for all ages and health class.

Ages	Preferred Plus	Preferred	Standard Plus
0-60	135/85	140/85	140/90
61+	145/85	150/90	150/90

_{Controlled and average blood pressure readings in the last two year, with or without medication, max readings above}

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Corebridge Financial (AIG) Blood Pressure Underwriting Guidelines

Below are the blood pressure guidelines for American General Life Insurance Company up to 80 years old for all health classes.

Ages	Preferred Plus	Preferred	Standard Plus	Standard
0-59	135/85	140/85	145/90	145/90
60-69	140/85	140/90	150/90	150/90
70-80	150/90	155/90	160-90	155/90

_{Treated with medication or untreated, blood pressure readings currently controlled and average readings do not exceed the readings above}

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Lincoln National Blood Pressure Underwriting Guidelines

Below are the blood pressure guidelines for Lincoln Financial up to 18 -79 years old for based on health class.

Ages	Preferred Plus	Preferred	Standard Plus
0-69	140/85	145/90	150/90
70+	140/90	155/90	NA

_{For Preferred Plus up to age 69, no hypertension with a 12-month average of 135/85 or lower. For applicants being treated for hypertension with a 12-month average of 130/80 or lower. For ages 70 and over, treated or untreated hypertension with a twelve month average of 140/90.}

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Mutual of Omaha Blood Pressure Underwriting Guidelines

Below are the blood pressure guidelines for United of Omaha Life Insurance Company for ages 0-74 years old based on health class.

Ages	Preferred Plus	Preferred	Standard Plus
0-74	140/85	145/90	150/90

_{Blood pressure readings with or without medication not exceed the numbers above}

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Nationwide Life Blood Pressure Underwriting Guidelines

Below are the blood pressure guidelines for Nationwide Life Insurance Company for 18 -79 years based on health class.

Ages	Preferred Plus	Preferred	Standard Plus
18-55	140/80	145/90	145/90
56-70	140/90	150/90	150/90

_{Maximum blood pressure readings for each health class}

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Pacific Life Blood Pressure Guidelines

Below are the blood pressure guidelines for Pacific Life Insurance Company up to 80 years old for all health classes.

Ages	Preferred Best	Preferred	Select	Standard
0-50	135/85	140/90	140/90	150/90
51-64	140/85	145/90	150/90	150/90
65-80	145/90	150/90	155-90	160/90

_{Treated with medication or untreated, blood pressure readings currently controlled and average readings do not exceed the readings above}

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Protective Life Blood Pressure Guidelines

Below are the blood pressure guidelines for Protective Life Insurance Company up to 80 years old based on health class.

Ages	Select Preferred	Preferred
0-60	135/85	140/90
61-70	140/85	150/90
71-80	150/90	160/90

_{Average readings from exam and over that last year not exceed the readings above. Treated (on medication) for blood pressure needs to be controlled and stable}

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Prudential Blood Pressure Underwriting Guidelines

Below are the blood pressure guidelines for Prudential (Pruco) Life Insurance Company for ages 20-79 years old for all health classes.

Ages	Preferred Plus	Preferred	Standard Plus	Standard
0-49	130/80	135/85	140/90	145/90
50-80	140/85	145/90	145/90	150/90

_{Readings above are with or without blood pressure medication}

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Savings Bank (SBLI) Blood Pressure Underwriting Guidelines

Below are the blood pressure guidelines for Savings Life Insurance Company (SBLI) up to 79 years old for all health classes.

Ages	Preferred Plus	Preferred	Standard Plus	Standard
0-60	135/85	135/85	140/90	Consideration
61-74	140/85	140/90	145/90	Consideration

_{Readings not exceed the numbers above}

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Symetra Life Blood Pressure Underwriting Guidelines

Below are the blood pressure guidelines for Symetra Life Insurance Company for ages 20-79 years old based on health class.

Ages	Super Preferred	Preferred	Standard Plus
20-50	135/85	135/85	140/90
51-79	140/90	140/90	100/90

_{Maximum blood pressure readings above for each health class}

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Transamerica Life Blood Pressure Underwriting Guidelines

Below are the blood pressure guidelines for Transamerica Life Insurance Company for ages 20-79 based on health class.

Ages	Preferred Plus	Preferred	Standard Plus
0-70	135/85	145/85	148/88
71-80	145/85	150/90	152/88

_{Maximum blood pressure readings for each health}

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Common Blood Pressure Medications

Below is a list of some of the most common blood pressure medications when applying for life insurance.

• Amlodipine
• Atenolol
• Bumetanide
• Furosemide
• Hydrocholorothiazide
• Hydrocholorothiazide and Trimterene
• Imdapamide
• Lisinopril
• Losartan
• Metoprolol
• Trandolapril
• Water pill

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Life Insurance Rates With High Blood Pressure

Below are the rates for a $500,000 15 year term policy for a 50-year old female taking a blood pressure medication with controlled readings 135/85 or lower blood pressure.

Company	Blood Pressure Reading	Monthly Rate
Symetra Life	135/85	$40.73
Protective Life	135/85	$40.74
Corebridge Financial	135/85	$40.56
Pacific Life	135/85	$40.78
Transamerica Life	135/85	$40.80
Banner Life	135/85	$42.60
Lincoln National	140/85	$44.16
Cincinnati Life	135/85	$45.32
SBLI	135/85	$45.47
Transamerica Life	135/8	$50.19
Nationwide	140/80	$50.19
Pruco	130/80	$51.19
Mutual of Omaha	140/85	$54.40

_{Date of birth 9/1/1973. Rates for a 50-year old female in excellent health, taking a blood pressure medication for a $500,000 15-year level term life insurance policy.}

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Blood Pressure Guidelines Table

The table below shows what blood pressure readings are considered normal and elevated according to American Heart Association.

Fortunately, life insurance companies allow more leeway when underwriting blood pressure readings for systolic and diastolic readings to be eligible for Preferred and Preferred Plus life insurance rates.

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Conclusion

The best life insurance companies for high blood pressure allow for favorable systolic and diastolic readings to be eligible for Preferred and Preferred Plus life insurance rates. As seen in the tables above, many of the top life insurance companies allow for a blood pressure reading of 135/85 or better (with or without medication) to qualify for the best health class, Preferred Plus. Also, many top life insurance companies allow a blood pressure reading of 140/90 or better to qualify for the second best health class, Preferred.

Age also affects underwriting guidelines for blood pressure. Many life insurance companies allow for higher readings to still qualify for the better rate classes. Some companies start at age 50, 60 or 70.

The bottom line if you have high blood pressure and are searching for the best life insurance company and policy, we recommend to compare rates from half a dozen to a dozen life insurance companies to ensure you’re receiving the best deal.

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Frequently Asked Questions-FAQ

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What is the highest my blood pressure reading can be to be eligible for the Preferred Plus life insurance health class?

Most top life insurance companies in the United States allow for a controlled blood pressure reading (with or without medication) up to 135/85 to qualify for Preferred Plus rates.

Does age affect life insurance blood pressure underwriting guidelines?

Yes, depending on the insurance company, once you reach a certain age, 50, 60 or 70 years old the blood pressure guidelines increase to 145/85 for most companies to still be eligible for the best health class.

How do life insurance companies determine my blood pressure?

For the life insurance medical exam, also known as a paramedical exam, the examiner typically preforms three blood pressure readings one minute apart. The underwriter then averages the three readings to determine your blood pressure reading.