Don’t let a diagnosis of high blood pressure stop you from shopping for affordable life insurance.
There are many top-rated companies that insure people with hypertension, such as Symetra Life Insurance Company.
Symetra is an excellent option for those with hypertension. But before we get into that, let’s cover how you can qualify for their policies, what their health criteria you must meet is, and how they view the medical risks associated with your condition.
How Symetra Looks at Hypertension
One in three American adults suffers from hypertension, so it’s not uncommon to find affordable life insurance. However, since it is a leading cause of death in the United States, when you apply for a policy, Symetra will take a look at your entire health picture before quoting you a rate.
They do this to assign 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 kidney or heart problem).
An underwriter will look at your health history and 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.
One thing that makes Symetra a great option is they do allow you to take blood pressure medication in all rate classes, which is not the case for all insurers.
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:
135/85 age 20 to 50
140/90 age 51+
135/85 to age 60
140/90 age 51+
These rates are directly related to age, how controlled the blood pressure is, and if your hypertension is primary or secondary.
Since all life insurance companies are in the business of judging risk, when they examine your health history, some of the things they look for may include health problems related to hypertension, such as:
- Kidney Failure
- 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:
- Being overweight
- Excess salt in the diet
- Lack of physical activity
- Drinking too much alcohol
Additional risk factors:
- Family history
About High Blood Pressure
Obviously, there is nothing you can do about your age or family history, however, if your high blood pressure can be managed with lifestyle changes you may be able to qualify for the best rates.
According to the National Institute on Aging, there are many things you can do to help control high blood pressure, such as exercising thirty minutes a day, eating a diet rich in fruits and vegetables, and reducing your sodium intake.
Monitoring your readings at home can also help ensure you stay in the normal range. A normal blood pressure is considered 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 the Company – Symetra
Now that you know more about what qualifies you to purchase insurance from Symetra, the next step is to determine if they are the right company for you.
Symetra has been in business since 1957 and serves over two million people nationwide. They joined Sumitomo Life in 2016 making them a global life insurer. They offer a variety of life insurance products, including term and permanent life insurance.
In 2004 Symetra became an independent company. That means they make their financial decisions based on what benefits their policyholders and clients rather than shareholders. They are financially strong with $42 billion in assets and are rated highly by these independent rating agencies:
A.M. Best: A
Standard and Poor’s: A
Moody’s Investor Services: A1
Fitch: Ratings: A
As a company, they are guided by value, transparency, and sustainability. They pride themselves on being a good corporate citizen and giving back to the community.
Finding the Best Company for Life Insurance with Hypertension
Is Symetra right for you or is there an even better option?
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 Symetra Life Insurance underwriting guidelines at this time. Guidelines are subject to change at any time. We are not an employee of Symetra 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.