Life Insurance and Hypertension
With the stress, each of us faces in today’s day and age, hypertension, or in other words, high blood pressure is a rather common phenomenon among many of us. But, did you know that this also affects your life insurance? Although you are eligible for life insurance if you are medically diagnosed with hypertension the premiums you pay towards it will be much higher, as this condition can often lead to cardiovascular diseases, such as stroke and heart attack. However, this largely varies based on your medications and how well controlled your condition is.
Similar to health insurance, a life insurer considers your lifestyle, habits, your Body Mass Index (BMI), how often you exercise, your overall health and, your general blood pressure level. The levels of blood pressure that determine your risk status are:
Here readings generally do not exceed 150/90 and are controlled by prescribed medicines. However, for those who age 55 and above, these readings could be a little higher.
You would come under this category if your readings are under 140/90 and controlled by medicines or 150/90 without medicines. If you fall under this category, you are entitled to lower premiums
Preferred Plus levels
You are a preferred plus i.e. someone who does not suffer from high blood pressure, if your pressure is below 140/90, sans any medication. This makes you eligible for the lowest premiums.
If you have high blood pressure, here is how you can effectively improve the premiums you pay towards life insurance:
Get your pressure treated
Generally, high blood pressure does not show any symptoms early on, which is why many of us are not aware of its existence. However, if these high levels of pressure show up on your medical reports while availing for life insurance, you would have to end up paying higher premiums, which is why getting regular check-ups are important.
Give up the butt and booze
Alcohol and smoking have a direct impact towards increasing your blood pressure. Giving up these habits will help in bringing down your blood pressure.
Even basic exercises like brisk walking have known to reduce high blood pressure. So, do not forget to go for that evening walk starting today. Also, shedding down a few kilos in case you are overweight can help normalize your blood pressure.
Watch what you eat
Foods like excess salt, fats, and caffeine can play a part in increasing blood pressure. Add more of fiber like fruit and vegetable to your diet to help stabilize your blood pressure.
Bust that stress
Blood pressure could be aggravated due to stress. While it is not possible to eliminate stress completely from our lives, things like meditation, yoga, journaling, and spending time in nature can help in lowering high blood pressure.