Shortcut: Instant life insurance quotes will be shown using the form on the left. Select Lincoln Financial as the company and choose your health class based on the blood pressure levels discussed below.
We’re often asked if someone with high blood pressure can get life insurance.
The answer is yes; even people with hypertension can buy affordable life insurance from a top rated company such as Lincoln Financial Group.
Lincoln Financial has an array of products available, which makes them a terrific 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
Roughly 30% of American adults suffer from high blood pressure. Although very common, this highly treatable medical condition remains a leading cause of death. Due to the morbidity rate, when you apply for a policy with Lincoln Financial, they’ll take a look at your current health status before quoting you a rate.
How Lincoln Financial Underwriting Looks at Hypertension
They determine their rates by assigning a Health Class. When they assign the class, they establish if your high blood pressure is considered primary or secondary. Secondary hypertension is caused by an underlying medical condition such as diabetes, thyroid problems, or heart disease.
An underwriter also looks at the entire 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 by what is known in the industry as Table Ratings.
Lincoln Financial is a great option for those with hypertension because they allow the use of blood pressure medications 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:
130/80 up to age 69
140/90 age 70+
140/90 up to age 69
155/90 age 70+
As you can see, rates are directly related to how controlled the blood pressure is, age, and if the condition is considered primary or secondary hypertension.
Since all life insurance companies are in the business of judging risk, when they examine your health history, they’ll look for related health problems. For example, they’ll want to know if you’ve ever had a stroke, kidney failure, a heart attack, or been diagnosed with metabolic syndrome.
According to the Centers for Disease Control, each year approximately 140,000 people die of a stroke per year and 795,000 suffer a stroke. Strokes cost the United States an estimated $34 billion annually so it’s easy to see why life insurance companies take a careful look at the entire health picture before assigning rates.
They will also determine if there is a manageable contributor to the hypertension such as if a person smokes, drinks, or is overweight. Additional risk factors include family history, age, and race.
About High Blood Pressure
While there is nothing you can do to change your age or family history, the following lifestyle changes can help you manage high blood pressure:
- Quit smoking
- Lose weight
- Increase exercise
- Eat healthy
- Reduce stress
Experts also suggest you keep track of your blood pressure at home to help ensure your numbers don’t creep into the danger range. There are many apps available for download that can help.
Now that you know more about how Lincoln Financial establishes rates, the next step is to determine if they are the right company for you.
About Lincoln Financial
Lincoln Financial Group was established in 1905 with an endorsement of Abraham Lincoln’s son, Robert Todd Lincoln. They were created to build a life insurance company based on dependability, honesty, and service.
Lincoln National Life Insurance Company is a subsidiary of Lincoln Financial Group and is headquartered in Radnor, Pennsylvania. Their life insurance offerings include:
- Term Life
- Variable Life
- Universal Life
They are a Fortune 500 company ranked 207 out of 500. Publically traded their New York Stock Exchange symbol is LNC. They are also ranked 220 out of 500 by Barron’s Financial Magazine.
They are financially strong and according to the following top insurance rating organizations, can meet financial obligations and pay future claims:
- A.M. Best – A+ Superior
- Moody’s Investor Service – A1 (Fifth Highest of 21 Ratings)
- Standard & Poor’s (S&P) – AA- (Fourth Highest Rating)
Finding Low-Cost Life Insurance with Hypertension
Do you think Lincoln Financial is right for you?
We can help you decide. We specialize in helping people with high blood pressure find the best life insurance company at the best rates.
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 request, and we can get started right away.
The opinions in this article are based on our knowledge of the Lincoln Financial underwriting guidelines at this time. Guidelines are subject to change at any time. We are not an employee of Lincoln Financial but rather an independent agent contracted to work with them as well as 60+ carriers.
We are in the business of placing clients with the right company.