What Is high blood pressure?
At every stage of life, it’s crucial to plan for the unexpected. We understand that managing high blood pressure adds an extra layer of consideration to your financial planning. We aim to shed some light on the importance of life insurance, tailored specifically for those with high blood pressure, offering peace of mind and financial security.
High blood pressure, also known as hypertension, is a common medical condition where the force of the blood against the walls of the arteries is consistently too high. It’s often referred to as the “silent killer” because it usually doesn’t cause noticeable symptoms, but it can lead to serious health problems over time.
Blood pressure levels: Blood pressure is measured in millimetres of mercury (mmHg) and is recorded with two numbers. The first number (systolic pressure) represents the force when the heart beats, and the second number (diastolic pressure) represents the force when the heart is at rest between beats.
Normal blood pressure is usually around 120/80 mmHg. Hypertension is generally defined as blood pressure consistently exceeding 130/80 mmHg.
Risk factors: Age, family history, ethnicity, and lifestyle factors such as a poor diet, lack of physical activity, and smoking can contribute to high blood pressure. Health conditions like diabetes and chronic kidney disease can also increase the risk.
Complications: If left untreated, high blood pressure can lead to serious health issues, including heart disease, stroke, kidney disease, and problems with the eyes.
In the UK, high blood pressure is a widespread health concern. According to the latest statistics from the NHS:
In England, around a third of adults have high blood pressure.
In Scotland, it’s estimated that around 30% of adults have high blood pressure.
In Wales, approximately 27% of adults are thought to have high blood pressure.
In Northern Ireland, around 25% of adults are estimated to have high blood pressure.
These numbers highlight the significant impact of high blood pressure on the population’s health.
Diagnosis and management: High blood pressure is usually diagnosed through regular blood pressure checks during routine healthcare visits. Lifestyle changes, such as a healthy diet, regular exercise, and quitting smoking, are often recommended for managing blood pressure. Medications may also be prescribed if lifestyle changes alone are not sufficient.
Awareness and monitoring: Regular monitoring of blood pressure is crucial, especially for individuals with risk factors or a family history of hypertension. Awareness and early intervention are key to preventing complications associated with high blood pressure.
Tailored solutions for high blood pressure
At The Insurance Surgery, we offer specialised life insurance policies designed for individuals with high blood pressure. These policies consider your health condition and provide cover that aligns with your specific requirements.
Life insurance companies assess risk when determining your premiums. High blood pressure is considered a risk factor because it can lead to more serious health issues. As a result, individuals with high blood pressure may be classified as higher risk, and their premiums could be higher compared to those with normal blood pressure.
When you apply for life insurance, you typically go through a process called medical underwriting. This involves providing information about your health, including details about your blood pressure. If your blood pressure is well-managed with medication and lifestyle changes, it might have a smaller impact on your premiums than if it’s uncontrolled.
Keeping your high blood pressure under control through regular medical checkups, medications, and lifestyle changes can positively influence your insurability. It demonstrates to insurance companies that you are actively managing your health.
Why Life Insurance matters when you have high blood pressure
For individuals with high blood pressure, securing life insurance is a responsible and caring step to ensure your family has the financial resources they need during a difficult time. A policy will provide a lump sum of money (called the death benefit) to your family or beneficiaries. This money can help them cover expenses like funeral costs, mortgage payments, or other bills. It’s like a safety net for your loved ones. By understanding your health circumstances, we can provide you with the right advice so you can choose a policy that suits your needs and provides the necessary cover.
Benefits of arranging life insurance
Financial Protection: It provides a financial safety net for your loved ones, ensuring they are taken care of financially if you were to pass away.
Peace of mind: Knowing that your family will have financial support can give you peace of mind and reduce stress.
Legacy planning: You can leave behind an inheritance or financial support for your family, helping secure their future.
Supplemental income: Certain permanent life insurance policies accumulate cash value that can be accessed for various financial needs during your lifetime.
Locked-In rates: Premium rates are typically locked in when you purchase a policy, so they won’t increase, even if your health deteriorates further.
Severity of the condition
When you were first diagnosed with coarctation of the aorta
Your age
Whether your coarctation of the aorta has been treated surgically
Medications currently being taken
Family medical history
Whether you smoke
Any other related health complications such as heart disease
At The Insurance Surgery, we are leading specialists for putting people in touch with the best insurers when they are seeking to take out life insurance with a condition like coarctation of the aorta. We understand that every client’s condition and circumstances are different, and will help compare the market to find you the best life insurance providers and cover plans for your needs. Simply enter your details into one of our online forms for your free no-obligation life insurance quote.
Critical Illness Cover
Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.
You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.
If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.
Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.
Income Protection Insurance
If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.
This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.
Why choose us?
Here’s some reasons why you should get in touch with us if you’re looking life protection cover:
We’re life protection specialists | Our Team at The Insurance Surgery will guide you through every step of the life insurance purchasing journey. As we specialise in arranging cover for people with pre-existing medical conditions, including high blood pressure, we’ll be able to help you understand the various policies available and tailor the right cover to suit your unique needs.
Life insurance is not a one-size-fits-all solution | We will take the time to understand your specific circumstances, ensuring that the cover you choose aligns perfectly with your goals and financial situation.
Competitive rates | We believe that everyone deserves access to affordable life insurance. We will provide quotations that are within your budget to make it easier for you to protect your loved ones without breaking the bank.
Understanding underwriting | Our underwriting process takes into account your overall health, not just your blood pressure readings. We work with you to create a customised plan that fits your lifestyle. It’s essential to be transparent about your health when applying for life insurance. By providing accurate information, you ensure that your policy is tailored to your needs, and your loved ones receive the financial support they deserve.
Financial support for outstanding debts | If you have outstanding debts like a mortgage, car loans, or credit card balances, life insurance can help cover these expenses, so your family isn’t burdened with them after you’re gone.
Simplified process | We understand that navigating the world of life insurance can be daunting, but with us by your side, we will make the process as seamless and stress-free as possible. We have streamlined the entire life insurance buying process to make it as simple as possible for you. Our team will explain the process without the insurance jargon, so you understand what cover options are available within your budget.
Why choose The Insurance Surgery
Voted Best life and protection broker 2022
Rated 5* on Trustpilot and Feefo
Access to high street and independent insurers
20 years’ experience & price match promise
Your current weight and lifestyle
The date of your initial diagnosis
Whether you have had surgery for coarctation of the aorta
The impact your condition has on your job
The easy steps to secure your future
Step 1: Get in Touch:
Call our friendly team on 0800 083 2829 or alternatively, complete the contact form and we’ll get in touch with you to guide throughout the process.
Step 2: Understanding Your Needs:
We’ll take the time to understand your financial goals, family situation, and future plans. This step ensures that the life insurance policy you choose aligns perfectly with your unique requirements.
Step 3: Tailored Recommendations:
Based on the information gathered, we will will provide you with personalised life insurance options. We’ll explain each policy, including cover details, premiums, and any additional benefits.
Step 4:Application Assistance:
Once you’ve chosen the right policy for you, we will assist you with the application process. We’ll ensure all necessary documentation is in order, making the process hassle-free as possible.
Step 5:Approval and Cover Activation:
Our team will handle all communication with the insurance provider on your behalf. Once your application is approved, your cover will be activated, providing you and your loved ones with the security and peace of mind you deserve.
Securing your family’s financial future starts with taking the first step. Contact us to discuss your life insurance options. Our team is here to answer your questions, address your concerns, and guide you towards a healthier and more secure tomorrow.
Remember, with the right life insurance policy, you can focus on enjoying life with the confidence that your loved ones are protected.
