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Blood Pressure and Cholesterol: How Do They Affect Premiums?

Blood pressure and cholesterol levels are good indicators of one’s health and will be part of what will be considered when setting your premium ratings. Your health condition is one of the things that will be looked into when assessing what kind of life assurance risk you present. Thus, if you present high blood pressure and cholesterol levels, you also present a high risk of getting chronic illnesses that may later lead to your untimely demise.

Aside from blood pressure and cholesterol, the insurance company will look into other health factors – your weight vis-a-vis your age, your smoking habit, your lifestyle and so on.

Rating Blood Pressure

High blood pressure, accompanied by high cholesterol and a smoking habit will indeed raise premiums considerably. If you only have high blood pressure, yet do not smoke, of the average weight and have normal cholesterol levels, you won’t have problems with high premium rates.

140 over 90 is considered a high number and is when damage to the heart and related areas start happening. At this point, the possibility of you having a stroke is very high.

The key is determining whether high blood pressure is controlled or not. If the patient is able to show that efforts have been made in controlling the blood pressure levels and these efforts have been successful, then there is a strong possibility of getting standard (or even preferred) ratings. If the blood pressure is out of control (even with medication), then the higher the blood pressure levels, the higher the premiums.

Thus, if it is determined that you have already received medical advice about how to keep your blood pressure low and the doctor has already prescribed medications, but you failed to heed the advice and drink the medications, this will negatively affect your premium ratings.  Taking the steps to control high blood pressure shows that you are also concerned about your health and are making the moves to take care of the problem.

Rating High Cholesterol

Someone who has normal blood pressure, doesn’t smoke, but has high cholesterol level, is most likely to get higher premiums. The normal total cholesterol level is considered below 200 with LDL (low density liproprotein) levels below 100.

Factoring in Age and Gender

Your age and gender will also come into play to help determine whether a particular blood pressure or cholesterol level is a cause to be concerned. Insurance companies have their own charts to see whether at a certain age and gender, specified blood pressure and cholesterol levels are considered acceptable even when they look high for those who are younger.

Lowering Premiums

If you already have been given higher premium ratings, you can work with your doctor to improve your health condition so that you can post improvements in your blood pressure and cholesterol. If you are able to show the insurance company about these improvements, you may try requesting that your premiums be lowered to standard and even to preferred rating.

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