Life Insurance for People With High Blood Pressure or Cholesterol

High blood pressure and high cholesterol are two of the most common health conditions in the United States. Millions of people manage these conditions successfully—but many assume they’ll automatically be denied or overcharged for life insurance.

The reality is far more encouraging. With proper management and the right approach, many people with blood pressure or cholesterol concerns qualify for affordable life insurance coverage.

Why Insurers Pay Attention to These Conditions

Life insurance companies view high blood pressure and cholesterol as risk indicators, not automatic deal-breakers. Underwriters want to understand how well the condition is controlled and whether it increases long-term health risks.

What matters most is stability, consistency, and overall health—not just a diagnosis.

How Blood Pressure Impacts Life Insurance Approval

Underwriters typically evaluate:

• Current blood pressure readings
• Length of time since diagnosis
• Medication usage and compliance
• Presence of related conditions

Well-controlled blood pressure often results in standard or even preferred rates, especially when supported by consistent medical records.

How Cholesterol Is Evaluated

Cholesterol levels are reviewed in context, not isolation. Insurers look at:

• Total cholesterol and ratios
• Whether medication is being used
• Lifestyle factors such as diet and exercise
• Family history

Many applicants with managed cholesterol qualify for favorable rates.

Medication Is Usually a Positive Signal

Taking prescribed medication regularly shows responsibility and medical compliance. Contrary to popular belief, being on medication often improves underwriting outcomes.

Untreated or unmanaged conditions tend to raise more concern than treated ones.

Timing Matters More Than People Realize

Recent diagnoses or medication changes can affect approval and pricing. In some cases, waiting a short period after stabilizing treatment can lead to better offers.

Strategic timing can make a meaningful difference in cost.

Policy Types That May Make Sense

Depending on individual circumstances, options may include:

• Fully underwritten term life
• No-exam life insurance
• Policies with living benefits

Choosing the right type depends on health history, urgency, and long-term goals.

Common Mistakes to Avoid

Many people overpay by applying without guidance or accepting the first offer they receive.

Another common mistake is underestimating how much variation exists between insurance carriers when it comes to underwriting these conditions.

How My Term Life Guy Helps Clients With These Conditions

At My Term Life Guy, we specialize in helping people with blood pressure and cholesterol secure coverage without unnecessary rate hikes.

We match clients with carriers that are more favorable toward controlled conditions and guide them through the process with clarity and honesty.

Control, Consistency, and the Right Strategy

Managing blood pressure or cholesterol doesn’t mean settling for limited options.

With the right strategy, you can protect your family while keeping premiums affordable.

Get Coverage Without Overpaying

If you have high blood pressure or cholesterol and want real life insurance options—not assumptions—My Term Life Guy is here to help you find coverage that fits your health and your budget.