The new definition will result in nearly half of the U.S. adult population (46 percent) having high blood pressure, with the greatest impact expected among younger people. Additionally, the prevalence of high blood pressure is expected to triple among men under age 45, and double among women under 45, the guideline authors note.

Source

If your blood pressure is between 120/80 and 140/90, you could suddenly find yourself categorized as high blood pressure pre-existing condition by life and health insurance companies.

The American Heart Association published a guideline report recommending the threshold for high blood pressure change from 140/90 to 130/80. This means people who previously had slightly higher blood pressure will now be considered “high blood pressure” patients.

What this means if you apply for insurance

This is a worrisome change when it comes to health and life insurance. Nearly half the US population may go from having no blood pressure pre-existing condition to having one when nothing changed in your body. The guide line changes could mean health insurance companies may suddenly increase your premiums because of your blood pressure reading.

Now half of the population will be considered high blood pressure patients?

If the life insurers lower their threshold for blood pressure underwriting requirements according to the AHA recommendations, it could mean getting life insurance is that much more difficult to get, and more expensive!

We contact our clients when we think they can get better coverage for less money and let them decide.

Broad Creek Financial Services,

What do I do now?

When it comes to life insurance, it’s important to find out how an underwriter will judge blood pressure.

If you have high blood pressure, it’s crucial you get quotes from several insurers before applying for life insurance. If you’re only offered one company to apply to, they may charge you more than another insurer for the same health.

Each insurer has different criteria they accept, and some are more lenient on high blood pressure than others. Some insurers are very risk averse and will only insure the healthiest individuals. For everyone else, it can make life insurance shopping frustrating and disappointing, to the point you give up.

Let us help you

We never give up on our clients. Even if we find you something great today, we keep an eye on requirements, and let you know down the road if you can now qualify for something you couldn’t before. For example, someone who had a full surgical removal of cancer, and doctors diagnose them as cancer-free, after 5 years they may qualify for lower rates than they can get now.

We contact our clients when we think they can get better coverage for less money and let them decide.

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