SBLI and High Blood Pressure

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

If you have high blood pressure and are looking for affordable life insurance, we have good news.  Hypertension does not disqualify you from buying a competitive policy from a top-rated company, such as SBLI.

SBLI offers a wide range of life insurance products, which makes them an excellent company to consider.  But before we get into that, 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

High blood pressure is a very common health problem that approximately 30% of the population suffers from.   Although it’s treatable, many cases go unmanaged so it remains a leading cause of death in the United States.  Due to these high statistics, when you apply for a policy with SBLI, they will take a look at your entire health picture before quoting you a rate.

How SBLI Will Underwrite Hypertension

They’ll determine your rate by assigning you to a health rating.  When they assign the class, they’ll also establish if your condition is considered primary or secondary hypertension.  Secondary hypertension is caused by an underlying medical condition, such as a heart, kidney, or endocrine problem.

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 is known in the industry as, Table Ratings.

SBLI is a great option for those with hypertension because they allow the use of blood pressure medications in all rate classes.

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

Preferred Plus

135/85 up to age 60

140/85 age 61+


135/85 to age 60

145/90 age 61+

Standard Plus

140/90 up to age 60

145/90 age 61+

As you can see, their rates are directly related to how controlled the blood pressure is, age, and whether the condition is considered primary or secondary hypertension.

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 history, they’ll look for related health problems, such as:

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

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

  • Smoking
  • Being overweight
  • Excess salt in the diet
  • Stress
  • Lack of physical activity
  • Drinking too much alcohol

Additional risk factors:

  • Family history
  • Age
  • Race

About High Blood Pressure

While there is nothing you can do to change the additional risk factors, lifestyle changes can help manage the condition and result in better rates.

According to the Cleveland Clinic, certain foods can increase as well as lower blood pressure.  Eating more fresh fruits, vegetables, and whole grains, while reducing sodium and processed foods, can help keep your numbers in check.

Reducing stress, exercising thirty minutes a day, and monitoring your readings at home are also beneficial.  Keeping track of your numbers has never been easier with all the Android and iPhone apps available.

A normal blood pressure 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.

Now that you know more about how SBLI establishes rates and views hypertension, the next step is to determine if they are the right company for you.

About SBLI

They insure over a million families and offer a range of life insurance products that include:SBLI life insurance company

  • Guaranteed Level Premium Term
  • Renewable Term Life Insurance
  • Whole Life Insurance

Known as the “No Nonsense Insurance Company,” they were founded in 1907 as Savings Bank Life Insurance, most commonly known as SBLI.

Established during a time of distrust of insurance companies in general, they wanted to provide families with a low cost and trustworthy life insurance option.  Their founding mission remains, “to offer affordable, dependable life insurance to all who need it.”

With $128 billion of life insurance policies in force, they are rated financially strong by the following independent rating agencies:

A from A.M. Best

A- from Standard and Poor’s

They pride themselves on serving their customers with a no-nonsense, easy to understand approach free of industry jargon.

Finding the Best Life Insurance with Hypertension

If you think SBLI is right for you, we can help you decide.  We specialize in helping people with high blood pressure find the best life insurance company.

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 SBLI underwriting guidelines at this time.  Guidelines are subject to change at any time.  We are not an employee of SBLI 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