Life Insurance, Critical Illness cover and Income Protection are usually easily obtainable for someone with a history of high blood pressure. This is providing the blood pressure is well controlled, often by medication. Someone with consistently high or badly controlled blood pressure can expect to see premium increases when applying for cover.
How much will it cost?
We should be able to arrange a policy on standard terms with no premium increases so long as:
- Your GP told you the reading taken at your last review was normal.
- You take no more than 2 types of medication for blood pressure.
- You have no associated complications e.g. high BMI, Diabetes or kidney problems.
Having a combination of high blood pressure and a high BMI for example, could result in a premium increase or the insurer may request a nurse medical is carried out so that they can get a general overview of your health.
Life Insurance – Costs
- A 40 year old non-smoker arranging £100,000 of cover to age 80 would pay £15.94 per month.
- A 50 year old non-smoker arranging £100,000 of cover to age 80 would pay £25.62 per month.
- A 60 year old non-smoker arranging £100,000 of cover to age 80 would pay £50.05 per month.
Critical Illness Cover – Costs
- A 35 year old non-smoker arranging £50,000 of cover to age 70 would pay £25.39 per month.
- A 45 year old non-smoker arranging £50,000 of cover to age 70 would pay £40.42 per month.
- A 55 year old non-smoker arranging £50,000 of cover to age 70 would pay £70.23 per month.
Income Protection – Costs
- A 45 year old who has a history of raised blood pressure, which is well controlled with medication, could obtain a full income protection policy offering a monthly income of £1,000, after a deferred waiting period of 3 months, for a premium of around £30.09 per month. Guaranteed end of contract, not index linked.
If an applicant’s blood pressure is not well controlled, then you can expect premiums to be as much as double the prices shown above. In some circumstances the insurer may even postpone offering the cover until the readings are within normal parameters.
All premiums correct at Dec 2018.
Please note that the premiums provided are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.