I recently had a client that was aware that with many life insurance companies, you may be unable to be qualified for their top rating if you are taking blood pressure medication to control hypertension. What he didn’t know was that certain companies may offer you better rates if you have had your blood pressure under control for over a year.

If you have submitted an online request and received term life insurance quotes , how do you then decide which company to apply to for insurance? Unless you have the assistance of an independent insurance agent to guide you in your process, you could unknowingly submit your application to a company that may not have good rates for customers looking for life insurance with high blood pressure. You may feel like you are receiving the lowest rate available, but unfortunately, you may be incorrect.

The truth is, many companies may not be potentially be the right choice for this client as his high blood pressure has only been under control for one year rather than over a year as per the life insurance company’s guidelines for underwriting customers with blood pressure. He may not be able to qualify for some companies’ most competitive yearly rates because his blood pressure has not considered to be under control for at least two years. Other companies may not even allow for treatment of high blood pressure. Therefore, he may not be able to receive competitive yearly premium ratesfrom these types of providers either.

This information may not apply to guaranteed term life insurance or just to whole life insurance with high blood pressure. In both instances, the underwriting is generally similar, although, some insurance companies may let a bit more through when approving whole life insurance with high blood pressure policies with higher premiums.

If you are dealing with high blood pressure, or other medical conditions such as high cholesterol, it may be wise to work with an independent life insurance agent. Make sure that the agent you choose works with numerous life insurance companies so that they can help you to receive a competitive rating to potentially lower your premium for life insurance with high blood pressure. For more information, check out the article “Medical High Risk Life Insurance.”