Pacific Life Insurance Company and High Blood Pressure

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

Having high blood pressure does NOT automatically disqualify you from purchasing affordable life insurance from a highly rated company, such as Pacific Life.

But before we get into why Pacific Life a great option for those with hypertension, let’s cover how you can qualify for their policies, what the health criteria you must meet is, and how they view the associated medical risks.

Insuring people with high blood pressure is not uncommon since one in three American adults suffer from the condition.   However, it is a leading cause of death in the United States so when you apply for a policy, Pacific Life will take a look at your entire health picture before assigning you a rate.

How Pacific Life Looks at Blood Pressure Readings

They do this by assigning you to a Health Class.  To assign the class, they’ll establish if your condition is considered primary or secondary hypertension (caused by an underlying medical condition, such as a heart problem or kidney disease).

They will also assign an underwriter to examine your past blood pressure readings.  They reserve the best rates 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, using what is known in the industry as, Table Ratings.

Some good news is:

Pacific Life allows its policyholders to take blood pressure medication in all rates classes.

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

Preferred Plus

135/85 up to age 50

140/85 age 51 to 64

145/90 age 65+


140/90 up to age 50

145/90 age 51 to 64

150/90 age 65+

Standard Plus

145/90 up to age 50

150/90 age 51 to 64

155/90 age 65+


150/90 up to age 50

155/90 age 51 to 64

160/90 age 65+

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

See Blood Pressure Chart for Top Insurance Companies

Since all life insurance companies are in the business of judging risk, when they examine your health picture, they may also look for health problems related to hypertension, such as:

  • Stroke
  • Kidney Failure
  • Atherosclerosis
  • Heart Attack
  • Vision Loss
  • Weakened or narrowed blood vessels in the kidneys
  • Metabolic Syndrome
  • Memory Problems

There are also some manageable contributors to high blood pressure, which include:

Additional risk factors:

  • Family history
  • Age
  • Race

About Hypertension

While there is nothing you can do about your age and family history, if your high blood pressure can be managed with lifestyle changes you may be able to qualify for the best rates.

According to the Mayo Clinic, there are ten things you can do to help reduce high blood pressure, including being physically active, maintaining a healthy weight, reducing stress, and cutting back on caffeine.

Home monitoring can also help you keep your blood pressure 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 more about what qualifies you to purchase insurance from Pacific Life, the next step is to determine if they are the right company for you.

About Pacific Life Insurance Company

Pacific Life was founded in 1868 and is based in California.  They have been serving their customers for nearly 150 years, and offer five life insurance products that include:pacific life insurance company

  1. Term Life Insurance
  2. Universal Life Insurance
  3. Index Universal
  4. Variable Universal
  5. Life insurance with Long-Term Care

Pacific Life is an independent company with no publically traded stock.  That means they make their financial decisions based solely on what benefits their policyholders and clients.  They operate under a mutual holding company structure.  In contrast, stock companies must keep investors happy, which can conflict with the best interest of the policyholders.

They are fiscally strong and known as an industry leader and innovator.  They currently rank #1 in the nation for indexed universal and universal life insurance sales and enjoy an A+ rating from A.M. Best.

You are probably familiar with their brand icon, the humpback whale.  The Pacific Life Foundation is committed to whale preservation, conservation of marine mammals, and improving the health of the oceans.  They have contributed more than $14 million to help the marine environment.

Best Life Insurance Company for High Blood Pressure

While Pacific Life is a great company, 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 can get started right away.

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