Getting life insurance with a high BMI or high blood pressure can feel challenging, but it doesn’t have to be. Every insurer looks at these health factors differently, which is why understanding how they assess your application is so important.
I recently helped a client with a BMI of 34.3 and high blood pressure controlled with medication (latest reading: 128/82). High blood pressure is one of the most common conditions I come across when helping clients apply for life insurance, income protection, or TPD cover.
Before we apply, I always run a pre-assessment and speak directly with insurers. This step helps us understand how each insurer views your health profile saving time, avoiding unnecessary declines, and often leading to better outcomes.
Here’s an example of the responses I received from four different insurers for this client:
1️⃣ Insurer 1: ✅ No issues, standard rates applied.
2️⃣ Insurer 2: ⚠️ 50% premium loading due to blood pressure.
3️⃣ Insurer 3: 🟡 Borderline readings, but still accepted on standard terms.
4️⃣ Insurer 4: 🔍 Requested further medical evidence before making a decision.
2️⃣ Insurer 2: ⚠️ 50% premium loading due to blood pressure.
3️⃣ Insurer 3: 🟡 Borderline readings, but still accepted on standard terms.
4️⃣ Insurer 4: 🔍 Requested further medical evidence before making a decision.
As you can see, the same health details can lead to very different results depending on the insurer.
My main goal is to make getting insurance simple and stress-free for my clients. I aim to find the right insurer upfront so you don’t have to go through multiple applications or deal with unnecessary delays.
If you’ve ever felt stuck getting cover because of a pre-existing medical condition, feel free to get in touch. Let’s have a quick chat and see what options are available for your situation.
You can find more details by clicking on my profile above.
Thanks for reading.
