Guide to Blood Pressure Levels at Minnesota Life Insurance Company

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

If you have high blood pressure and are shopping for affordable life insurance we have good news, it is possible to purchase life insurance after a diagnosis of hypertension.  Top rated companies, such as Minnesota Life Insurance Company, offer a variety of plans.

But before we talk about what makes them a great option, let’s go over a couple things:

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

High blood pressure is a leading cause of death in the United States.  One in three American adults suffers from the condition.  Due to these high statistics, when applying for life insurance, Minnesota Life will establish your rates by viewing your entire health picture.

How Minnesota Life Considers Blood Pressure Levels During Underwriting

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.

Some good news:

Minnesota Life allows the use of blood pressure medications in all rate classes.

However, the best rate classes are only offered if both systolic and diastolic levels are below the thresholds shown here for the past twelve months:

Preferred Plus




Standard Plus


Life insurance companies are in the business of judging risk and as you can see from the above, rates are directly related to how well controlled your blood pressure is, and if it’s primary or secondary hypertension. For secondary hypertension, the underlying medical issue will need to be reviewed and could affect the premiums you pay.

Check out our comparison of how multiple companies view your blood pressure levels

An example of the medical risks that Minnesota Life 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

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

About Hypertension

Hypertension is also 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+

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

About Minnesota Life

Minnesota Life is an affiliate of Securian Financial Group.  They have been providing insurance and financial services since 1880 and were the first insurance company in Minnesota.  Today, they currently serve over 16 million customers in the United States and Canada.Minnesota life insurance company logo

Fiscally strong and top-rated, they have over $70 billion of assets under their management and more than $1 trillion in life insurance policies in force. Their insurer ratings are:

  • A.M. Best rating A+, Superior
  • Fitch rating AA, Very Strong
  • Moody’s Investor Service Aa3, Excellent
  • Standard and Poor’s A+, Strong
  • Comdex Rating 92

Their financial strength is important because it indicates the ability of the insurer to pay claims. It’s very important when choosing a life insurance company because claims might not be made until many many years after a policy is purchased.

In addition to being fiscally strong, they are very active in philanthropy and promote employee volunteerism.  In the past ten years, they have given over $25 million back to their communities.  That total leaps to $37 million when you include in-kind gifts and volunteerism.  Today, they proudly operate the Securian Foundation to enhance the quality of life and vitality of their local communities and in support of non-profits.

They offer the following life insurance products:

  • Term Life
  • Whole Life
  • Universal Life
  • Indexed
  • Variable
  • Survivorship
  • Varieties of Permanent Life

They also offer an Express Issue option for Term Life policies under $250,000, which is a streamlined application process with no physical exam, blood work, with a policy issued in 24 hours.

Next Steps to Find the Best Insurance Carrier Company for Hypertension

Do you think Minnesota Life might be right for you?  We can help you decide if they are the best fit for your financial needs, budget, and specific health profile.

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’ll be in touch shortly.

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