Life Insurance for those with high blood pressure can be a simple process with online underwriting and acceptance of cases now being quite common. You should have your latest readings and the date that these were taken in order to provide the insurer with the most accurate details of your condition for them to offer cover. If you do not know your last readings then the insurance provider may ask for a medical exam or GP report to find out how well controlled the condition is, this will normally be at the insurers expense not your own.
If your condition is well controlled, for example readings of around 140/90 with no other concerns, then you should be able to source your Life Insurance at normal terms. If your readings are much higher than this, then a small premium increase should be expected. If you also have other health concerns such as a high body mass index, heart trouble or diabetes then the premiums are likely to be higher than indicated above. Additionally some insurers will take into account your family history (looking for history of cardiovascular risk) and the number of medications required to control the condition.
If you do suffer with a number of health conditions then it is likely that the insurer will want to speak with your GP to establish the general state of your health before they offer cover. This is a standard process with no extra cost to yourself.
As with Life Insurance, Critical Illness Cover for those with high blood pressure should be quite simple to arrange provided that the condition is well controlled and there are no other significant health conditions to report. Standard terms can be offered for people with well controlled high blood pressure.
The underwriting of Critical Illness Cover is generally stricter than Life Insurance so complications or other health concerns could cause higher prices or cover not too be offered. However for well controlled high blood pressure there should be no concern with most providers.
Income Protection for those with high blood pressure is normally treated the same for as for Life and Critical Illness Cover. Some providers may want medical reports from your GP (normally at their own expense). If there is a history of control issues, other health concerns or family history of cardiovasular problems then prices may increase, otherwise you are likely to be offered normal terms of cover.
Some potential problems experienced by individuals who have high blood pressure include
Restrictions in diet
Hardening of the arteries
Medications and Treatments
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High blood pressure is determined by a combination of the systolic pressure and diastolic pressure of your blood. Blood pressure readings show how much pressure is being placed upon the artery walls as the heart circulates it around the body. High blood pressure can be caused through a genetic disposition, other illnesses and through lifestyle/diet. It is often undiagnosed as the symptoms of the condition are quite vague, with many unaware that they have it until it leads to other illnesses or until a GP spots it during a health review. High blood pressure, if untreated, can lead to serious cardiovascular diseases such as an aneurysm, embolism, heart attack and/or stroke.
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