Why does the insurer go into detailed questioning?
While considering life insurance for high blood pressure, the insurer goes into detailed questioning of the subject for the application. The reasons are as below:
- Vessels become damaged, weak and start to leak and rupture due to high blood pressure.
- Consistent high blood clots cause strokes.
- Brain, heart, eyes, kidneys, and other organs can be also highly damaged.
The risks are high, so due to all these reasons, the insurer asks questions regarding your condition, it’s impact, associated medical conditions to make sure you are eligible.
Before you start, get prepared
- One must have the latest reading at the hand of your blood pressure before applying for life insurance.
- Many times, more is added to the premiums by the insurers if you don’t include the reading which is known as loading. It is not worth paying more if you can get insured with less.
- The reading needs to be in between 6 to 12 months. If you get a reading higher than normal, you should get another reading as when you get a high reading, the cost of cover will go up.
- High blood pressure can be effectively managed through medication, treatment, lifestyle change. If you have got your blood pressure controlled, it’s no doubt your case will be viewed favorably.
Tips before applying for High blood pressure life insurance
- You must prepare the latest reading of your blood pressure.
- Make sure all your medical records are updated.
- If there is an improvement in your blood pressure, review your strategic policy.
- Speak to specialists who are familiar with high blood pressure cases.
- If you got unusually high reading. Get another one.
In the end
We recommend everyone to get a life insurance policy in force first at the premium rate one can afford, as you can focus on improving your rating class through better control or lab results.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00