Having high blood pressure does not disqualify you from purchasing life insurance.
There are many top-rated companies that offer affordable life insurance policies to those suffering from hypertension. One such company is Mutual of Omaha.
Before we talk about what makes them a great option, let’s cover:
- How you can qualify to purchase a policy after a diagnosis of high blood pressure.
- What the health criteria are.
- How they view the risks associated with your condition.
How Mutual of Omaha Looks at Blood Pressure Readings
Blood pressure is a leading cause of death in the United States so Mutual of Omaha will take a careful look at your entire health picture before establishing your rates.
They do this 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 chronic kidney disease).
An underwriter will also examine your blood pressure readings. The best rates are reserved for those individuals with readings are below the maximum thresholds. If they are above the thresholds, you may still buy life insurance but at substandard rates established, using what is known in the industry as, Table Ratings.
If you are taking medication to control your hypertension, Mutual of Omaha does approve the use of blood pressure medication in all rate classes.
If you are rated low due to other health concerns but can demonstrate controlled blood pressure readings that average 135/85 or better, you may be eligible for “credits” that can improve your health class.
The best rates may be offered if both systolic and diastolic levels are below the thresholds shown below:
Since all life insurance companies are in the business of judging risk, the 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.
Some of the medical complications associated with high blood pressure include:
- Kidney Failure
- Heart Attack
- Vision Loss
- Weakened or narrowed blood vessels in the kidneys
- Metabolic Syndrome
- Memory Problems
Some manageable contributors to high blood pressure include:
- Being overweight
- Excess salt in the diet
- Lack of physical activity
- Drinking too much alcohol
Additional risk factors include:
- Family history
While there is nothing you can do about your age, race, or family history, there are things you can do to help manage your blood pressure, which could result in lower rates, such as improving your diet.
A popular diet is called the DASH Diet (Dietary Approaches to Stop Hypertension). This diet is rich whole grains, fruits, vegetables, and focuses on lowing sodium and saturated fats.
Along with diet, monitoring your blood pressure at home can help ensure you stay in the normal range. A normal blood pressure is considered 120 over 80 (or lower). You should see your doctor if your readings creep into the 120-139 over 139 80-89 range. It is considered a medical emergency is your blood pressure is 180+ over 110+.
Now that you know a bit more about what qualifies you to purchase life insurance from Mutual of Omaha if you have hypertension, the next step is to determine if they are the right company for you.
About Mutual of Omaha
They offer a wide selection of life insurance products to include:
- Term Life
- Whole Life
- Universal Life
From the beginning, Mutual of Omaha was a very progressive company. Founded in 1909, a woman by the name of Mable L. Criss was elected as Vice President and General Manager of Mutual Benefit (as the company was then known) in 1929, which was very notable for the era. Interestingly, her husband, Dr. CC. Criss became President four years later.
Today, they are one of the most recognized names in insurance. As a Fortune 500 Company, they have nearly 4.4 million product customers and 9.4 million members.
They are considered very finally strong with a $3 billion statutory surplus. They are rated highly by insurer rating agencies, including an A+ rating from A.M. Best, which is considered excellent and a level not many companies achieve.
- M. Best – A+ Superior
- Moodys – A1 Good
- Standard and Poors – AA-
They hold nearly $40 Billion in assets with a reported net income of $356 million. You could say it’s a pretty good chance they’ll be around for a while longer and are a safe bet to pay out any death claims.
You’re probably even familiar with the wildly popular, Mutual of Omaha’s Wild Kingdom, which is still available to watch online.
Finding Cheap Life Insurance with Hypertension
Mutual of Omaha is at the very top of the life insurance world. Their reputation and financial standing are very tough to beat.
But are they right for you?
We can help you decide. 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, and we’ll be in touch soon to get started.
The opinions in this article are based on our knowledge of the Mutual of Omaha underwriting guidelines at this time. Guidelines are subject to change at any time. We are not an employee of Mutual of Omaha but rather an independent agent contracted to work with them as well as 60+ carriers. Our business is placing clients with the right company.