North American Life Insurance and Hypertension

Written by Ty Stewart - Last Updated March 6, 2018

Shortcut: Instant life insurance quotes will be shown using the form on the left. Select North American as the company and choose your health class based on the blood pressure guidelines explained below.

If you’re looking for life insurance quotes and have high blood pressure, we can help.

There are many great companies that offer affordable life insurance to those with hypertension, such as North American Company for Life and Health Insurance.

Before we get into what makes North American Company such a good option, 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


Sixty-eight million adults have high blood pressure, making it a very common medical condition.  Although it’s highly treatable, left unmanaged it can lead to other serious health problems and is a leading cause of death in the United States. Sadly, about twenty percent of people with hypertension don’t even know they have it.

How North American Looks at Blood Pressure Levels

Due to these high statistics, when you apply for a policy with North American Company, they’ll review your current health status and assign you to a Health Class.  When they assign the class, they’ll determine if your high blood pressure is considered primary or secondary (caused by an underlying medical condition, such as diabetes). north american life insurance company underwriting for high blood pressure

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 by what in the industry is known as, Table Ratings.

One thing that may make North American Company a good choice for you is that they do allow the use of blood pressure medications in all health classes.

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

Preferred Plus

135/85 up to age 70

140/85 age 71+

Preferred

140/90 up to age 70

150/90 age 71+

As you can see, the rates for those with hypertension are directly related to how well controlled the blood pressure is, age, and if the condition is considered primary or secondary hypertension.

See Best Companies for Life Insurance with Hypertension

Since all life insurance companies are in the business of judging risk, when they examine your health history they will also look for additional or related medical problems, such as diabetes.

According to the American Diabetes Association, two out of three people with high blood pressure also have diabetes.  This combination greatly increases the risk of death by heart attack or stroke.  When you take all this into consideration, it’s easy to see why they look for risky medical complications before assigning rates.

They’ll also determine if there are manageable contributors such as smoking, alcohol consumption, or obesity.  Additional risk factors include family history, age, and race.

About Hypertension

Although there is nothing you can do to change your age or family history, lifestyle changes can help keep numbers in check.  Experts agree that exercise and eating a heart-healthy diet, such as the popular Dietary Approaches to Stop Hypertension (DASH) eating plan, can help.

Experts also suggest you monitor your own blood pressure.  A normal reading is 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.

About North American

Now that you know more about how they assign rates and qualify individuals, the next step is to determine if they are the right fit for you.

North American Company offers the following life insurance products:

North American Company is also known as North American for Life and Health Insurance.  They have been in business for nearly 130 years and pride themselves on excellent customer service.

They are a privately owned company, which allows them to make independent decisions for the benefit of their policyholders.

As part of Sammons Financial Group, Incorporated, they offer a diverse range of products and are considered financially strong by the following independent rating agencies:

A+ (Strong) from Standard & Poor’s (fifth highest rating out of 21).

A+ (Superior) from A.M. Best (2nd highest rating out of 15).

How to Find the Cheapest Life Insurance for Hypertension

Do you think North American Company is right for you?

We can help you decide.

We specialize in helping people with high blood pressure find the best life insurance at the best rate.

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 can get started right away.

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

About Ty Stewart
Ty Stewart is the founder of SimpleLifeInsure. 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.

This entry was posted in Blood Pressure, Pre-Existing Conditions. Bookmark the permalink.

Leave A Reply