Simple tips to help you lower your high blood pressure and get the best life insurance rates!
If you have High Blood Pressure or Hypertension you still can find and buy affordable Term Life Insurance plans. I will outline a few important points and tips on how to get the best rates and premiums in this post.
Factors that will affect your underwriting decision:
- Your current age
- Date you were diagnosed
- What medications and treatment has your Doctor prescribed
- Response to any treatment
- Current readings for the last 2 years (to show that you are stable and compliant)
- Any other health issues, like heart disease, stroke etc.
How to help your agent or broker get the best life insurance rates and speed up the underwriting process:
- Your doctor records will be required, the carrier typically orders these
- Records of blood pressure readings (should be in your Dr.’s records)
- Any cardiac history records
- Make a case for your current health such as (how much you exercise, your great diet, the new job you took to improve your health and lifestyle, etc. now you should understand?)
Now a lot of these kind of issues can typically be controlled by just making minor modifications in your lifestyle. Some of you may just need a new job period end of story, our career’s put an enormous amount of pressure on our health. Diet is also another factor, cutting our sodium and going on a diet can definetly help. Excercise in my humble opinion is the best remedy for these minor types of health issues.
There could be some underlying health issues as well though so make sure you consult with your physician before embarking on any pyhsical fitness regimen.
After the carrier underwrites your case this is what you may expect? Depending on how bad your condition is you may still be able to obtain the better rate classes for the preferred risks. If you can show that your HBP is well controlled and compliant with your Doctors recommendations.
Did you enjoy this post? Why not leave a comment below and continue the conversation, or subscribe to my feed and get articles like this delivered automatically to your feed reader.
Comments
No comments yet.
Leave a comment