Life Insurance + High Blood Pressure
Discussion
I have a family member who is having difficulty getting life insurance due to having high blood pressure. He's covered on his current policy for the next 18 months, but once he hits 60 his current insurer will no longer cover him.
An added complication is that he's Type 2 diabetic, though supposedly this isn't the concern that the blood pressure is.
I have a feeling my dad could face the same situation in a few years too (another who has high blood pressure).
Can anybody recommend any life insurers who may offer cover?
An added complication is that he's Type 2 diabetic, though supposedly this isn't the concern that the blood pressure is.
I have a feeling my dad could face the same situation in a few years too (another who has high blood pressure).
Can anybody recommend any life insurers who may offer cover?
Andy M said:
I have a family member who is having difficulty getting life insurance due to having high blood pressure. He's covered on his current policy for the next 18 months, but once he hits 60 his current insurer will no longer cover him.
An added complication is that he's Type 2 diabetic, though supposedly this isn't the concern that the blood pressure is.
I have a feeling my dad could face the same situation in a few years too (another who has high blood pressure).
Can anybody recommend any life insurers who may offer cover?
Sorry, can't help with the insurance thing; different tack. Whats's your dad NOW doing to reduce his BP? There is potentially lots that he can do. An added complication is that he's Type 2 diabetic, though supposedly this isn't the concern that the blood pressure is.
I have a feeling my dad could face the same situation in a few years too (another who has high blood pressure).
Can anybody recommend any life insurers who may offer cover?
drivin_me_nuts said:
Sorry, can't help with the insurance thing; different tack. Whats's your dad NOW doing to reduce his BP? There is potentially lots that he can do.
I can't remember his exact readings, but he's brought his BP down massively - within 10% of normal readings iirc.A mixture of drugs, and a stable diet, but zero exercise - much to the annoyance of us all.
Seeking life assurance at age 60 is a bit late despite ever lengthening life span predictions (I'm over 60!).
What many life companies do is to keep a bit of the risk and pass the rest on to a reinsurer such as SwissRE who have the final say on whether a sub-standard life will be accepted and on what terms, so while you may think you are approaching different companies in fact in the background it could be the same one giving the same decision.
Try a large broker who may have some clout, or a specialist broker such as this from Google
What many life companies do is to keep a bit of the risk and pass the rest on to a reinsurer such as SwissRE who have the final say on whether a sub-standard life will be accepted and on what terms, so while you may think you are approaching different companies in fact in the background it could be the same one giving the same decision.
Try a large broker who may have some clout, or a specialist broker such as this from Google
Andy M said:
drivin_me_nuts said:
Sorry, can't help with the insurance thing; different tack. Whats's your dad NOW doing to reduce his BP? There is potentially lots that he can do.
I can't remember his exact readings, but he's brought his BP down massively - within 10% of normal readings iirc.A mixture of drugs, and a stable diet, but zero exercise - much to the annoyance of us all.
HTH
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