High blood pressure is the most common condition in Texas life insurance applications. Most people with controlled BP qualify at standard rates. The key is applying to the right carrier.
| Blood Pressure Reading | Typical Rating |
|---|---|
Below 130/85 (unmedicated) Best available rates | Preferred Plus |
130/85 – 140/90 (controlled) Most medicated patients here | Preferred to Standard |
140/90 – 150/95 (medicated) Coverage available; slightly higher premium | Standard to Table 2 |
150/95 – 160/100 Carrier selection important | Table 2 – Table 4 |
Above 160/100 Limited standard options — simplified issue available | Rated or Guaranteed Issue |
Ratings are illustrative and vary by carrier. Actual outcomes depend on full health profile, medications, and underwriter guidelines. Not medical advice.
Yes — high blood pressure (hypertension) is one of the most common conditions in life insurance underwriting, and most people with it still qualify for coverage. Controlled hypertension — where your BP is managed with medication and readings are consistently within acceptable ranges — often qualifies at standard rates. The key is how well it's managed.
Most carriers want to see readings at or below 140/90 on medication, or 130/85 without medication, to qualify for standard rates. Readings between 140/90 and 160/100 typically result in a table rating (slightly higher premium). Persistent readings above 160/100 significantly limit options but don't eliminate coverage entirely.
Not at all. Being on blood pressure medication and having well-controlled readings is often viewed more favorably than untreated hypertension. It signals that you're actively managing your health, which is exactly what carriers want to see.
Most carriers look for 6–12 months of consistent BP control before issuing standard rates. If your pressure was recently diagnosed and you've just started medication, waiting a few months to let your treatment stabilize can improve your rate significantly. Tower Hill can advise on the best timing for your situation.
Multiple controlled conditions are underwritten on a combined basis. Two well-managed conditions (such as hypertension + high cholesterol on medication) typically don't double your rate — carriers apply a holistic assessment. The most important factor remains how well each condition is managed. Tower Hill's advisors can walk you through combined-condition scenarios.
Yes. For individuals with severe or uncontrolled hypertension who can't qualify for standard coverage, guaranteed issue and simplified issue policies are available. These typically have lower coverage limits and higher premiums, but they provide a meaningful safety net when traditional underwriting isn't an option.
Tower Hill compares 30+ carriers with different BP guidelines. We find the one that works best for your profile. Takes 2 minutes.
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