Underwriting Considerations for Hypertension

Hypertension is persistently high arterial blood pressure. It is an independent and important risk factor for coronary artery disease, stroke, congestive heart failure, peripheral vascular disease, and kidney disease. Its presence has a high potential for morbidity and disability.

Because of this, the underwriting concerns are that the blood pressure be well controlled. High blood pressure readings (over 180-110) within the last 6 months are of concern. The combination with other heart diseases, strokes and diabetes are looked upon unfavorably.

I often hear that people from people that are on 2 medications for high blood pressure that they are not concerned about it. The reason they are taking medication is because it was too high in the first place and the only way to get it under control was by medicating. It is good that the medication keeps it lower, but it doesn't cure the underlying issue.