The Effect of High Blood Pressure on Life Insurance with John Hancock

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

After a diagnosis of high blood pressure, it’s still possible to purchase affordable life insurance from a top rated company, such as John Hancock Financial.

We’re here to help make it easy to determine the best rate, plan for you, and the life insurance you qualify for.

Just because you have high blood pressure, doesn’t mean it has to be difficult to shop for insurance.  There are many great life insurance companies that insure people with hypertension and John Hancock is just one of them.

Before we talk about what makes them a great option, let’s cover

  • How you may qualify to purchase life insurance from John Hancock if you have hypertension.
  • Health criteria you must meet.
  • How they view the medical risks associated with your condition.

One in three American adults suffers from hypertension, and it’s a leading cause of death in the U.S.  When applying for life insurance, John Hancock will establish your rates by viewing your entire health picture.

How John Hancock Looks at Blood Pressure Levels

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 or kidney disease).

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.

John Hancock does approve 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

135/85 age 18-50

140/90 age 5-70

Blood pressure medication OK


140/85 age 18-50

145/90 age 51-70

Standard Plus

145/90 age 18-50

150/90 age 51-70

Life insurance companies are in the business of assessing 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.

See our chart that shows how multiple carriers view your blood pressure levels

An example of the medical risks that John Hancock 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:

Additional risk factors include:

  • Family history
  • Age

About High Blood Pressure

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

Since high blood pressure is also known as The Silent Killer, 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 the Company – John Hancock

Now that you know a bit more about what qualifies you to purchase life insurance from John Hancock if you have hypertension, the next step is to determine if they are the right company for you.

They offer a wide selection of life insurance products to include:John Hancock no exam insurance company logo

  • Term Life
  • Permanent Life
  • Universal Life Insurance
  • Indexed Universal Life
  • Variable Universal Life

John Hancock Financial was founded in 1862, and is one of the most well known and recognized life insurance brands in the United States, and other countries in the world.  They have a strong reputation for integrity and helping people meet their financial goals.

You can feel confident when purchasing their life insurance products as they are very highly rated by insurer rating agencies, including:

  • A.M. Best
  • Fitch Ratings
  • Moodys
  • Standard and Poors

They also have a strong commitment to the community as a whole and is very involved in promoting healthy living to improve the lives of current and future generations.  They have been located in Boston for over 150 years and are known to be very generous in corporate giving.   They are a long-standing sponsor of the Boston Marathon, as well as:

  • UNICEF Kid Power
  • Signature Corps Volunteers
  • United Way
  • Pan-Mass Challenge
  • Best Buddies
  • Urban Farming Institute
  • Tufts School of Nutrition
  • The Healthy Food Program
  • Dimock Center Road to Wellness 5K Walk/Run
  • Red Sox

How to Find the Best Life Insurance Company for Hypertension

We can help you determine if John Hancock is the best fit for your financial needs and budget.  As an independent agent, we get to know you first, and then compare more than 60 insurance companies to ensure you find the best plan, at the lowest 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 John Hancock underwriting guidelines at this time.  Guidelines are subject to change at any time.  We are not an employee of John Hancock Financial 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