Protective Life Insurance and Blood Pressure Levels

Ty Stewart - Founder - Written by Ty Stewart - Last Updated November 12, 2018

If you have high blood pressure and are shopping for life insurance, rest assured, it’s possible to purchase life insurance after a diagnosis of hypertension.  Top rated companies, such as Protective Life Insurance, offer a variety of plans.

But before we talk about what makes Protective a great option, let’s cover:

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

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

Underwriting Process at Protective for People With High Blood Pressure

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). Secondary hypertension will require that the underlying condition is judged as well for underwriting purposes.

An underwriter will also examine your blood pressure readings.  If the readings are below the maximum thresholds, the rate will be better (you’ll pay less).  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.

If you have been prescribed high blood pressure medication, they will require that your blood pressure readings be stable and controlled for one year after starting your prescription.

Protective does approve the use of blood pressure medication in all rate classes, however, the best rate classes are only offered if both systolic and diastolic levels are below the thresholds shown below for the past twelve months:

Preferred Plus

135/85 up to age 60

140/85 age 61 to 70

150/90 age 71+


140/90 up to age 60

150/90 age 61 to 70

160/95 age 71+

Life insurance companies are in the business of judging risk and they do this by weighing many factors and data points across millions of people.  As you can see from the above, rates for people with hypertension are directly related to age, how controlled the blood pressure is, and if it is primary or secondary.

Compare blood pressure guidelines at multiple companies

An example of the medical risks that Protective 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:

Additional risk factors include:

  • Family history
  • Age

About Hypertension and Ways to Control the Condition

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:

Hypertension is also known as The Silent Killer.  It’s a great habit 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+

About Protective Life Insurance Company

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

Protective Life Insurance Company has been in business for more than one hundred years and is known to be extremely competitively priced.  Their life insurance products are sold under Protective Life Corporation.

They pride themselves on their strong community values and are committed to the quality of life of those living in their local communities.  They operate the Protective Life Foundation and are actively involved in social responsibly such as creating and enhancing green spaces, enriching cultural and artistic venues, and dealing with difficult human issues.

Fiscally strong, Protective Life Insurance is rated very favorably regarding their operating performance, asset quality, financial flexibility, and capitalization by the following insurer rating agencies:

  • A+ A.M. Best
  • AA- Standard and Poors
  • A+ Fitch Ratings
  • A1 Moodys

Their life insurance products include:

  • Term Life
  • Permanent Life
  • Universal Life
  • Variable Universal Life
  • Indexed Universal Life
  • Whole Life
  • Child Life

Is Protective the Best Choice for You?

It could be, but there are other companies to consider as well.

If you think Protective might be right for you, we can help you decide if they are the best fit for your financial needs and budget.  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 can get started right away.

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