Life Insurance Approval at Foresters with High Blood Pressure

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

Having high blood pressure does not automatically disqualify you from purchasing affordable life insurance.

In fact, many great companies, like Foresters Financial, sell life insurance to those with hypertension.

With their wide range of options, Foresters is an excellent company to consider.  But before we get into that, let’s cover:

  • How you can qualify for their policies
  • What the health criteria you must meet is
  • How they view the medical risks associated with your condition

How Foresters Views Blood Pressure Levels

High blood pressure is very common, over three million cases are diagnosed per year.  Although it’s treatable, it remains a leading cause of death in the United States.  Due to these high statistics, when you apply for a policy with Foresters, they will take a look at your entire health picture before quoting you a rate.

They do this to assign you to a Health Class.  When they assign the class, they’ll also establish if your condition is considered primary or secondary hypertension.  Secondary hypertension is caused by an underlying medical condition, such as a heart or kidney defect.

An underwriter will also look at your health history and past blood pressure readings.  The best rates are reserved for those with readings under the maximum thresholds shown below.  If the readings are above the thresholds, you may still be able to buy life insurance but at substandard rates established, using what is known in the industry as, Table Ratings.

Foresters is friendly to those with hypertension because they allow you to take blood pressure medication in all rate classes.

The following is a breakdown of their requirements.  The best rates are offered to those with both systolic and diastolic readings below the thresholds shown below:

Preferred Plus




Standard Plus


As you can see, these rates are directly related to how controlled the blood pressure is. Other rating factors include determining if the hypertension is considered primary or secondary.

See Top Companies for Life Insurance with High Blood Pressure

All life insurance companies are in the business of judging risk when they examine your health history, some of the things they look for may include health problems related to hypertension, such as:

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

There are also some manageable contributors to high blood pressure, which include:

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

Additional risk factors:

  • Family history
  • Age
  • Race

About High Blood Pressure

While there is nothing you can do about your age or family history, lifestyle changes can help control high blood pressure, which could result in better rates.

According to Berkeley Wellness, reducing sodium and eating healthy foods rich in potassium, calcium, and magnesium can help you gain control of your numbers.  Reducing stress, exercising thirty minutes a day, and getting plenty of sleep are also important.

Monitoring your readings at home can ensure you stay in the normal range.  The American Heart Association has a self-monitoring tracker that can help.

Normal blood pressure readings are 120 over 80 (or lower).  You should contact your doctor if your readings fall into the 120-139 over 139 80-89 ranges.  Any reading over 180+ over 110+ is considered a medical emergency.

Now that you know more about what qualifies you to purchase life insurance from Foresters and how they establish rates, the next step is to determine if they are the right fit for you.

About Foresters Financial

Foresters Financial has deep roots in the insurance industry.  They began selling insurance and financial products in the United States, Canada, and the U.K in 1834. They have a laser sharp focus on their members and offer interesting benefits such as educational scholarships, healthy living tips, free financial counseling, and discounted legal services.Foresters life insurance with hypertension

With over $9 billion in assets under management, they are on solid financial footing and enjoy an A rating from A.M. Best for financial strength and stability.

They offer a wide range of life insurance products including:

  • Term Life
  • Universal Life
  • Permanent Life
  • Final Expense

Finding the Best Company for Hypertension

Do you think that Foresters is right for you?

It might be, but there are lots of other options as well.

We can help you decide.  We specialize in helping people with high blood pressure find the best life insurance company.

As an independent agent, we will 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 on our site, and we’ll be in touch to get started very soon.

The opinions in this article are based on our knowledge of the Foresters Financial underwriting guidelines at this time.  Guidelines are subject to change at any time.  We are not an employee of Foresters 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