How To Get Final Expense Life Insurance for Seniors With High Blood Pressure

Last Updated May 25, 2024
Problems with blood pressure

Don’t feel discouraged if you’re looking for an insurance policy as roughly 47% of American adults have High Blood Pressure. If you have a pre-existing condition like high blood pressure, we know how hard it can be to get life insurance.

Thankfully, here at Final Expense Benefits, you can get final expense life insurance with no medical exam, and by answering only a few medical questions.

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Can I get Final Expense Insurance With High Blood Pressure?

The good news is, even with a pre-existing condition like high blood pressure, you can absolutely still get a final expense of life insurance to cover your funeral expenses. This does pose a risk to insurers since they may have to pay out benefits sooner, but there still is hope. Fortunately, it is possible to acquire Burial Insurance with pre-existing conditions, and maintain a fixed premium over the lifetime of the policy. 

High blood pressure causes may stem from a variety of different factors, including diabetes, poor diet, tobacco use, etc, which is why these questions are asked when referring to whole life insurance plans. Luckily, Final Expense Life Insurance does not require these medical examinations and will accept you regardless of your circumstance, although at a dynamic rate fit for you.

What life insurance plans can I get with high blood pressure?

Even for seniors without a pre-existing condition like high blood pressure, it can be difficult finding a life insurance policy simply due to age. The good news is, final expense insurance is designed to accommodate seniors that have pre-existing health conditions, with fixed incomes who simply cannot get regular life insurance.

Burial Insurance for seniors over 70 is still commonly available and can correctly prepare beneficiaries for any potential future. With face amounts from $1,000 all the way up to $50,000, final expense life insurance is a great alternative and the insurance that you need. The strength of these plans stems from the low monthly payments, lack of medical exam, combined with the payout amount accumulating swiftly in a relatively short amount of time.

Although we excel in providing Burial Insurance for seniors over 70 with coverage regardless of pre-existing conditions, they may still be offered in different forms or at a waiting period.

 

Simplified issue

Are generally the cheapest form of policy, and require a simple medical evaluation. Now, don’t stress, this is not a medical exam but rather a set of questions meant to give a broad idea rather then a concrete examination. As these plans are the cheapest, they are the most strict when attempting to qualify. If unqualified for this plan, a guaranteed issue will always accept you regardless so there’s always options for you and your lifestyle.

 

Guaranteed issue

No questions asked, guaranteed issue exists just like how it sounds – you are guaranteed a policy under this umbrella term. Depending on coverage amount and age, your rate may be offered at a different rate to you vs someone else. The only downside to these policies are the generally higher rates, although these rates still justify the cost as the final payout accumulates quickly. 

 

Level

These classifications of policy begin their payout period as soon as approved for coverage, and are generally reserved for those with the most manageable conditions.

 

Modified/Graded

This is the plan where the most chronically conditioned users will generally be associated with. So, those with Parkinson’s, Lupus, Liver Disease, etc., may receive a graded plan. Graded plans usually reserve their payouts until the 2nd year after policy start date, but, as stated above, may payout a percentage if premature death occurs, further increasing this percentage if the death was non-accidental.

 

Pre-Need Insurance

This form of insurance involves a contract directly with a funeral home provider and their specific products/services associated with Burial Insurance. This form of insurance is often much rarer to find, and usually involves Burial Insurance with no waiting period.

 

Difference between simplified and guaranteed burial life insurance.

How much does final expense insurance cost?

On average, final expense insurance can cost between $50 and $170 per month. With minimums reaching as low as $10 and the maximums towards the $300+ price range. 

This is going to depend on how severe your high blood pressure is and how it’s managed, as well as a myriad of other factors associated with purchasing insurance, as mentioned above (health, coverage amount, even the state you live in). As long as your condition is manageable, your monthly premium should be pretty cheap for final expense insurance.

Rest assured, here at Final Expense Benefits, we are able to skillfully compare your rates and provide you with the best plan for your budget/needs.  It takes minutes to apply and some of the top insurance carriers don’t even ask you medical questions.

How Do Insurance Companies Decide My Rate?

How Do Insurance Companies Decide My Rate?It’s important to understand the factors involved when applying for Burial Insurance, so that you are informed when making a decision. Insurance companies will prorate you depending on a few factors. These factors may include things such as age, pre-existing conditions, and even factors such as gender.

 

Age

The lowest age to apply for Final Expense Insurance exists at 45, wherein the maximum age usually sits at 85. The age of the applicant, as well as their current management of pre-existing conditions heavily influences your rate.

 

Gender

Surprisingly, there is a difference in mortality ages between the genders, with women generally living longer than men overall. The only state where this is irrelevant is Montana, where a law is in effect preventing the differentiation of rates between men and women.

 

Pre-existing Conditions

Diabetes, high blood pressure, etc, and the management of such.

How long are the waiting periods if I have High Blood Pressure?

Keep in mind some life insurance plans have “Graded benefits”, meaning that you usually have to wait two years before your plans payout may take effect. You would continue paying your normal monthly premium however if you pass away before the two-year period is over, your beneficiary would receive $0. Generally, these are associated with guaranteed issue plans, but not always. 

There are also plans that give you partial benefits, scaling to your time with the policy. For example, you might have a two-year waiting period however, if you were to pass away during that time, your beneficiary would receive a “return of premium” which is a refund of what you paid monthly. Usually, the amount received is graded proportionally, so if you were to pass away in the first year, you may receive 30%, second year, 70%, and so on.

 Luckily, at Final Expense Benefits, we offer Burial Insurance with no waiting period, that could provide your death benefit the very next day. This means there is no two-year waiting period, even if you have a pre-existing condition, like high blood pressure.

Best Insurance Companies For Diabetes

Just like with high blood pressure and the causes of such, the re-occurrence of diabetes does not negatively affect your ability to get coverage, simply the rate at which you’re provided. Plenty of companies that offer burial insurance for seniors over 70 with no waiting period cover those with high blood pressure/diabetes. In fact, regarding a guaranteed policy it’d probably be more difficult to find a carrier that wouldn’t accept you.

Insurance companies shouldn’t discriminate based on the use of insulin, but again, they will review the management of your condition and provide you an appropriate rate from there. Keep in mind, if asked to verify the type of diabetes they are most likely looking to deny you/charge a high rate if an answer is provided. On that note, providers may request information regarding insulin shock, insulin comas, diabetic amputees, or diabetic organ damage that can further adjust your rate accordingly. Depending on how severe your condition is, as well as how you manage it, your price per month can vary.

The top insurance carriers we work with still offer you plans with no waiting periods and face values from $5,000 to $50,000.

These carriers include:
AIG
Mutual of Omaha
Aetna
Prosperity
Americo
-And others

Company 50 y/o Male 50 y/o Female 60 y/o Male 60 y/o Female 70 y/o Male 70 y/o Female
$34
$27
$51
$40
$73
$58
$39
$34
$52
$41
$86
$65
$30
$24
$43
$32
$74
$53
$36
$30
$47
$37
$81
$60
$55
$38
$68
$53
$106
$80

*Guaranteed issue life insurance with no medical questions

Whole Life Insurance For Diabetes

Depending on a few factors, such as age of diagnosis, management of condition, as well as age of applicant, the best life insurance for high blood pressure is most likely a Whole Life Burial Insurance Policy. These plans specialize in generating coverage quickly, without excessive medical examinations/documentation.

A whole life policy will remain in effect until the day of death. Your premiums will never increase and your benefits never decrease. Final expense burial insurance are whole life plans. Many of these carriers offer whole-life plans with no waiting periods.

For many seniors with high blood pressure, finding the most beneficial plan for your circumstances/budget can be difficult. Luckily, at Final Expense Benefits we are versed in the ever changing circumstances regarding policy benefits and will always get you to the most optimal coverage option for you.

Conclusion

Pre-existing conditions can make it seem impossible to find a life insurance to take care of your family.

We are here to say, you are safe with us. A final expense life insurance plan is the absolute best option for you if you have a pre-existing condition, like high blood pressure. While we may not be able to prevent the causes of high blood pressure, we guarantee a plan fit for your needs and budget.

Call us today at 1-866-311-4338 and let our licensed agent bring you and your family, peace of mind. 

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