How Banner Underwriting Looks at Blood Pressure Readings

Ty Stewart - Founder - Written by Ty Stewart - Last Updated October 18, 2018

It is possible to purchase affordable life insurance from a top rated company, such as Banner Life Insurance Company, with a diagnosis of high blood pressure.

Having hypertension doesn’t mean it has to be difficult to buy life insurance.

But before we talk about what makes Banner a great option, let’s explore:

  • How you may qualify to purchase life insurance from Banner if you have hypertension.
  • What the health criteria you must meet is.
  • How they view the medical risks associated with your condition.

Seventy-five million American adults suffer from high blood pressure, and it’s a leading cause of death in the United States.  Due to these high statistics, when applying for life insurance, Banner will establish your rates by taking your entire health picture into account.

How Banner Will View Elevated Blood Pressure

Individual rates are determined by assigning you to a Health Class.  To assign the class, they establish if your high blood pressure is considered primary hypertension or secondary hypertension (caused by an underlying medical condition, such as an aorta defect, kidney disease, or endocrine condition).

An underwriter will also examine your blood pressure readings.  If the readings are below the maximum thresholds, the rate will be better.  If they are above, you may still buy life insurance but at substandard rates established using what is known in the industry as, Table Ratings.

Banner approves the use of blood pressure medication in all rate classes.

However, they will determine how stable your blood pressure has been over a period of time.  The best rate classes may be offered if both systolic and diastolic levels are below the thresholds shown below:

Preferred Plus

136/86 over a 2-year average


146/90 over a 2-year average

Standard Plus

152/92 over a 2-year average


156/94 over a 2-year average

Life insurance companies are in the business of weighing risk and as you can see from the above, life insurance rates for people with high blood pressure are directly related to age, how controlled the blood pressure is, and if it is primary or secondary.

Compare acceptable blood pressure levels across multiple companies

An example of the medical risks that Banner is concerned about includes:

  • Stroke
  • Kidney Failure
  • Atherosclerosis
  • Heart Attack
  • Vision Loss
  • Weakened or narrowed blood vessels in the kidneys
  • Metabolic Syndrome
  • Memory Problems

Some manageable contributors to high blood pressure include:

  • Smoking
  • Being overweight
  • Excess salt in the diet
  • Stress
  • Lack of physical activity
  • Drinking too much alcohol

Additional risk factors include:

  • Family history
  • Age

More About Hypertension

While there is nothing you can do about your age or family history, there are things you can do to help manage your blood pressure, which could result in lower rates, such as:

  • Know your numbers and monitor at home
  • Follow the treatment plan prescribed by a doctor
  • Follow a heart-healthy diet
  • Reduce sodium intake
  • Lose weight
  • Exercise

High blood pressure is known as The Silent Killer so it’s a great idea to monitor your blood pressure to ensure you are healthy and stay in the normal range.  Of course, you should always consult your doctor, but a simple guideline is:

  • Normal: 120 over 80 (or lower)
  • Prehypertension: 120-139 over 139 80-89
  • High: 140-159 over 90-99.
  • Medical Emergency: 180+ over 110+

About Banner Life Insurance Company

Now that you know a bit more about what qualifies you to purchase life insurance from Banner if you have high blood pressure, the next step is to determine if they are the right company for you.Banner Life Insurance company logo

Banner Life Insurance Company is part of Legal and General America.  They specialize in providing life insurance to customers in the United States.  If you live in New York, their policies are issued through William Penn Life Insurance Company of New York.

Legal and General America was founded in 1836 and is the seventh largest insurance company in the world.  Banner is a financially stable, fiscally strong life insurance company that sells its policies through independent brokers.

Corporate Responsibility and Charity

The company is very invested in their Corporate Responsibility Program, which is concerned about the environment where they live and work.  In 2016, their recycling program saved 317,366 gallons of water, 770 trees, 136 cubic yards of landfill space, 17,228 gallons of oil, and 181,352 kilowatts of energy.  Their Maryland office is a certified silver LEED Interiors Building.

Their employees are also very active in charitable giving and participate in fundraising events throughout the year.

Financial Strength Ratings

Legal and General America boasts an A+ rating for financial strength and operating performance from the premier rating agency, A.M. Best.  A.M. Best only issues the top-tier rating to companies with a financially solid balance sheet.

They also enjoy top ratings from the following insurer rating agencies:

  • Very Strong-Standard and Poors
  • Very Strong-Fitch Ratings

Their life insurance products include:

  • Term Life Insurance
  • Universal Life Insurance
  • Guaranteed Universal Life, up to $50,000

Is Banner the Best Company for Those With Hypertension?

Do you think Banner might be right for you?

We can help you decide if they are the best fit for your financial needs, budget, and health picture.  As an independent agent, we will compare more than 60 insurance companies to ensure you find the right plan, at best rate, and get answers to all your questions.

There is no cost or obligation for this service. To begin, fill out the quote form, and we can get started right away.

The opinions in this article are based on our knowledge of the Banner Life Insurance underwriting guidelines at this time.  Guidelines are subject to change at any time.  We are not an employee of Banner Life Insurance but rather an independent agent contracted to work with them as well as 60+ carriers.  Our business is placing clients with the right company.

About Ty Stewart
Avatar for Ty Stewart
Ty Stewart is the founder of He is an independent life insurance agent that works for his clients nationwide to secure affordable coverage while making the process simple. There is never any cost to use his services.

Posted in Blood Pressure, Pre-Existing Conditions