High Blood Pressure And Cholesterol Life Insurance

High cholesterol and high blood pressure affect almost 30 per cent of people in the United Kingdom.

Although these conditions are not serious, they can cause severe problems with your health if left untreated.

Many insurance seekers believe that pre-existing conditions such as these negatively affect life insurance policies.

They believe that individuals with these conditions pay higher premiums than others. Claybrooke can help these individuals find affordable coverage to meet all their insurance needs.

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What is High Cholesterol?

Two main cholesterol types are naturally found in the human body: LDL (low-density lipoprotein) and HDL (high-density lipoprotein).

Each performs different functions for the body’s systems. The diagnosis of high cholesterol is determined by the presence of abnormally high levels of one or the other type of cholesterol in an individual’s bloodstream.

Various factors, including lifestyle choices and genetics, usually cause this.

Low-density lipoprotein (LDL) transports cholesterol from the liver to different cells throughout the body.

Excess LDL buildup along arterial walls can lead to arterial disease. Because LDL causes this buildup, it is called “bad cholesterol.”

High-density lipoprotein (HDL) performs the opposite function—it carries cholesterol away from different organs in the body and back to the liver, where it is broken down.

This function has helped HDL to be considered “good cholesterol.”

What is High Blood Pressure?

Blood pressure measures how strongly the heart pumps blood throughout the body. This heart function allows blood carrying vital oxygen to reach organs that need it throughout the body.

As the heart muscle expands and contracts, it pushes blood through the veins and arteries that link it to the rest of the body.

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This expansion and contraction causes an individual’s blood pressure to fluctuate continually between a maximum and minimum level.

Maximum and minimum blood pressure levels are called systolic and diastolic pressures, respectively. These numbers are usually expressed as a ratio, such as 120 over 80.

The first or “top” number represents systolic pressure, and the second or “bottom” number represents diastolic pressure.

High blood pressure is diagnosed when these numbers are consistently higher than 140 over 90 for a determined period, usually several weeks, with regular screenings.

Infographic explaining how high blood pressure life coverage works

Life Insurance and High Blood Pressure or Cholesterol

The high incidence rate associated with these conditions from a medical standpoint makes high blood pressure and high cholesterol a red flag for insurers.

These higher incident rates make applicants with these conditions a higher risk, potentially leading to higher premium payments.

Luckily, advances in medical science have simplified the management of these conditions, and life insurance companies usually offer standard terms to individuals who are otherwise in good health.

Many people with pre-existing conditions, such as high cholesterol or high blood pressure, fear high premiums or even being denied coverage by insurance companies.

The knowledgeable insurance professionals at Claybrooke can help them secure a life insurance policy that fits their needs and budget.

High blood pressure or high cholesterol does not have to come with high life insurance premiums – Claybrooke is available and ready to help.