How Life Insurance Coverage is Affected by these Conditions..
High blood pressure and high cholesterol affects almost 30 percent of the population. If left untreated, these conditions can have serious consequences for your health.
Although some insurance applicants may believe these conditions will negatively affect their eligibility for life insurance or increase their monthly premiums, there are policies available to meet the needs of individuals with these circumstances. Insurance Hero can help applicants find comprehensive life insurance at an affordable price.
Blood pressure is a measure of how strong the heart is pumping blood throughout the body. This function ensures that blood carrying oxygen reaches all the vital organs within the body, helping them to operate properly.
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As the heart contracts and moves the blood through arteries and veins, blood pressure increases and adversely, pressure decreases as the muscles in the heart relax. Because of this, an individual’s blood pressure is constantly fluctuating between a minimum and maximum level.
These blood pressure levels are referred to as systolic (maximum) and diastolic (minimum) pressure. This measurement is usually expressed by medical professionals as one number over another, such as 125 over 80.
The first number is the maximum or systolic pressure and the second is the minimum or diastolic pressure. In cases of high blood pressure, numbers are consistently higher than a measurement of 140 over 90 for an extended period of time usually over the course of a number a weeks.
High cholesterol is defined as the presence of abnormally high levels of cholesterol in an individual’s blood. This is usually caused by a combination of factors including genetics and lifestyle choices. There are two types of cholesterol found in the human body – low-density lipoprotein, or LDL and high-density lipoprotein, or HDL.
The amount of each of these types of cholesterol is what determines if an individual has high cholesterol. LDL moves cholesterol from the liver to cells throughout the body that need it. When there is excess LDL, it can build up along artery walls, which is the leading cause of artery disease.
Because of this, LDL is also known as “bad cholesterol.” HDL, on the other hand, carries cholesterol away from cells and back to the liver where is can be broken down and passed as waste. Since HDL does not build up on the artery walls, it is known as “good cholesterol.” Generally, any cholesterol level above 5.2 mol/L is considered high.
High blood pressure and high cholesterol are red flags for insurance companies – the high incident rate associated with these conditions makes applicants a larger risk. Although there may be concern, these conditions are usually well managed and insurers are willing to offer standard terms.
As long as applicants manage their condition properly and provide information on their last cholesterol reading to insurance companies, insurers will rarely deviate from regular premium payments. Individuals who have pre-existing conditions such as high blood pressure or high cholesterol generally believe that they will be facing high premiums when applying for life insurance.
The knowledgeable consultants at Insurance Hero can help these individuals not only find coverage to meet their unique needs but also find a policy that fits well within their budget. Pre-existing conditions does not have to mean high premiums and unaffordable coverage – Insurance Hero is here to help.
UK Medical Resources (Condition Specific)
The Factors Affecting High Blood Pressure
Hyperlipidemia or High Cholesterol