Is MetLife a Good Life Insurance Company for People With Hypertension?

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

If you have high blood pressure and want to buy life insurance, we have great news.  You may be able to purchase an affordable policy from MetLife/Brighthouse.

In business for nearly 150 years, MetLife insures approximately one hundred million people worldwide.  Once called the World’s Most Admired Company by Forbes, they offer a vast number of insurance products.

How MetLife Views High Blood Pressure Levels

MetLife sells life insurance policies to adults of all ages who suffer from hypertension.  However, they are very friendly toward senior citizens.

While most insurers won’t insure an older adult with a blood pressure reading of 140/85, with an affordable Elite Plus Plan, MetLife will.  They also offer standard rates for seniors with a blood pressure reading of 170/90.

When determining rates, underwriters look at the previous 12 months of blood pressure readings, whether the disease is primary or secondary, and evaluates health risks, such as:life insurance with high blood pressure illustration of heart

The examination of health risks and age determine the rates assigned, also called rate class.  Since complications of high blood pressure are one of the leading causes of death in the United States, determining the rate class can’t be avoided.

If the previous twelve months blood pressure readings are below maximum thresholds, the lower the health rating assigned.  If the readings are above the thresholds, substandard rates are assigned (using what is known in the industry as table ratings).

The bottom line is:

If you have hypertension, it is possible to buy life insurance but the rates may vary depending on the severity of your condition.

The best rate classes may be offered if both your systolic and diastolic levels are below the thresholds below:

Preferred Plus:

130/80 up to age 40
135/85 age 41-54
140/85 age 55-69
140/90 age 70+
Under age 55 cannot have used blood pressure medicine in the past 12 months.


140/85 up to age 40
140/85 age 41-54
14/90 age 55-69
145/90 age 70+
Under age 40 can not have used blood pressure medicine in the past 12 months.

Standard Plus:

145/90 up to age 54
150/90 age 55 to 69
155/90 age 70+

Underwriting guidelines subject to change without notice. We are not an employee of Metlife or Brighthouse Financial and this information should not be taken as an offer of insurance.

Check out our chart that compares how multiple companies view your blood pressure levels

More About Hypertension

The Centers for Disease Control estimates one in three adult Americans suffer from one of two types of hypertension (high blood pressure-HBP):

1.     Primary or Essential Hypertension (not caused by another condition), or

2.     Secondary Hypertension (caused by an underlying health problem such as aorta defect or kidney disease).

This condition affects over 75 million American adults.  It is one of the leading causes of death and is a contributor to heart attack and stroke.  Hypertension can also cause plaque in the blood vessels which can lead health problems, such as an aneurysm.

Left untreated, high blood pressure can be life-threatening as it means excess force is being exerted against the walls of the blood vessels, which damages the circulatory system over time.

Because this condition may or may not have symptoms, it is sometimes called The Silent Killer.  Everyone should monitor their blood pressure because detection can help reverse or lower it.

According to the American Heart Association, those over twenty with a normal blood pressure should be routinely checked once every two years.  However, once a person has been diagnosed with HBP, careful monitoring and treatment are required.

In general, a normal blood pressure reading is 120 over 80 (or lower).  Prehypertension is a reading of 120-139 over 139 80-89, and the stages of high blood pressure begin at 140-159 over 90-99.  A blood pressure of 180+ over 110+ is considered a hypertensive crisis requiring emergency medical care.

Risks for hypertension increase due to:

  • Smoking
  • Being overweight
  • Excess salt in the diet
  • Stress
  • Lack of physical activity

Secondary hypertension is present in 5-10% of cases.

More About MetLife

Brighthouse is a spinoff company that MetLife entrusts with some of its life insurance and other retail life insurance company

MetLife is a fiscally strong Fortune 500 company.  Their life insurance products include:

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

MetLife was founded in 1868 and is one of the oldest and largest insurance, annuities, and employee benefits programs in the world.  Although it carries a wide catalog of products, here we are only focusing on life insurance.

Met Life/Brighthouse’s Credit Rating

When dealing with a company the size of MetLife, it helps to be as specific as possible. While MetLife has over $900 billion in total assets, in order to zero in on the company’s eligibility as a life insurance provider, it helps to look at the credit rating and solvency of Brighthouse Financial.

Credit agencies review of Brighthouse:

A.M. Best, the most important rating agency for insurance providers, gives Brighthouse an A – the third highest of its 16 ratings categories.

Fitch also granted an A-rating to the retail insurance provider, giving it the 6th highest rank within its 19 places.

Moody’s assigned an A3 rating, which underscores the stability of the company. This is the 7th highest rating out of 21.

Standard & Poor assigned an A+ to Brighthouse, the 5th highest rating out of 22.

These ratings mean the company is on solid financial ground.  They have enough liquid assets to pay out life insurance claims without having cash flow issues and observe strict financial standards to remain in regulators’ good graces.

How to Find the Best Life Insurance With High Blood Pressure

The truth is:

Life insurance is not a one-size-fits-all product, and while MetLife’s policies are a fantastic choice for some people, there is no guarantee that their policies are the best choice for everyone.

To help you choose the best plan for the lowest rate, we can help you compare plans to find the perfect fit for you.

At no cost or obligation, we’re happy to help you identify the advantages and disadvantages of each policy by comparing MetLife with more than sixty life insurance providers.

To start, simply fill out the form below and we’ll get to work comparing insurance rates on your behalf. is an experienced, reputable broker that aggregates insurance policies from more than 60 different providers in order to find the ideal policy for each individual. Fill out our standard form and get free quotes on life insurance today!

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