How Voya Considers High Blood Pressure for Life Insurance Premiums

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

People with high blood pressure CAN get affordable life insurance from top-rated companies, such as Voya Financial.

Here we’ll show how you can qualify to buy their life insurance if you have hypertension.

Voya Financial is a great company to buy life insurance from, but before we get into that, we’ll show you what their health criteria are, and how they view the health risks associated with high blood pressure.

How Voya Looks at Hypertension

One in three American adults have high blood pressure, and it’s a leading cause of death in the United States.  Due to these high statistics, Voya will take a look at your entire health picture before assigning you a premium.

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

They will also assign an underwriter to examine your blood pressure readings over the past two years.  The best rates are reserved for those individuals with readings are below the maximum thresholds.  If they are above the thresholds, you may still buy life insurance but at substandard rates established, using what is known in the industry as, Table Ratings.

If you are taking medication to control hypertension, you may still qualify for great rates, except Preferred Plus, under the age of 60.  If you are over the age of 60, with a 140/95 average over the past two years, blood pressure medication is okay.

Here 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

135/90 Male

135/85 Female

No history of blood pressure medication


140/90 Male

135/90 Female

Over age 60 145/100 average past 2 years.

Standard Plus

145/95 Male

140/95 Female

Over age 60 145/100 average past 2 years.

Since all life insurance companies are in the business of assessing risk, 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.

Compare BP levels at multiple top insurance carriers

When they examine your health picture, some of the things they look for include the health risks associated with high blood pressure, including:

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

Additional risk factors:

  • Family history
  • Age
  • Race

About High Blood Pressure

While there is nothing you can do about the additional risk factors, there are things you can do to help manage and prevent high blood pressure.  According to the Centers for Disease Control, being physically active, maintaining a healthy weight, limiting alcohol use, preventing diabetes, reducing stress, and not smoking help prevent hypertension.

Monitoring your blood pressure at home can help ensure it stays within 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 a bit more about what qualifies you to purchase life insurance from Voya, the next step is to determine if they are the right company for you.

They offer a wide selection of life insurance products to include:

  • Universal Life
  • Indexed Universal Life
  • Survivorship Universal Life
  • Variable Universal Life

About Voya Financial

Voya Financial was formerly known as ING U.S., Inc.  They rebranded themselves as Voya Financial Incorporated in 2014. Their new name was inspired by the word ‘Voyage’ and reflects their momentum and optimism as a company.voya financial company logo

Voya (formerly ING) is a financially strong NYSE publically traded company with an A rating from A.M. Best Company (an A, excellent rating is the 3rd highest out of 15 ratings).  They are a full-service asset manager with 94% of fixed income assets, 73% of equity assets, 100% of senior bank loans, and 95% of multi-asset strategy assets.

They are on the 2017 Fortune 500 list, named a World’s Most Ethical Company by the Ethisphere Institute, a Top Green Company, and Named as one of the Best Places to Work for LGBT Equality for thirteen consecutive years.

Finding the Best Life Insurance Company with Hypertension

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