Individuals with a high blood pressure can typically access both life and critical illness insurance without too much trouble, but rates will vary from one insurer to another and we can really add value for clients in accessing the most cost-effective options.

Some insurers will be able to offer cover based upon the submitted application if sufficient information can be provided, others may wish to write to your GP or look to complete a medical screening.

Insurers typically look at the fuller picture with relation to high blood pressure, and would want to understand any other complicating factors such as cholesterol levels, BMI, medications being taken etc.

What we need to know

Information that is useful to have to hand when looking at life insurance includes:

  • When was your blood pressure first elevated?
  • What medications are you taking?
  • Is the blood pressure now within a normal range?
  • How often is it checked?
  • Do you have other complicating factors such as an elevated BMI or high cholesterol?


We’d love to help you find the right protection for you.

Call us on 01270 620555
Email advice@watts-ifa.com

Or request a quote here

James’ story*

James, age 54, discovered he had high blood pressure two years ago. His cholesterol was initially high at 6.3 however his most recent reading is only 4.7 since he started taking statins. James’ last blood pressure reading was 128/90 and is now back down to only annual checks.

James’ had taken out life cover online 12 months ago and the insurer had increased his premium by 75%. We were able to reapply for cover and get standard rates for this client, which saved him £40/month.

*Names changed for privacy

I just wanted to say a big thank you, for all Emma Lowe and Sian Brown’s help with getting our mortgage through to completion.

Mr & Mrs C.



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Watts Mortgage & Wealth Management Ltd is directly authorised and regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No 624815 at www.fsa.gov.uk/register/home.do

More information is available on mortgages from the Money Advice Service. www.moneyadviceservice.org.uk

Where you have a complaint or dispute with us and we are unable to resolve it to your satisfaction then we are obliged to offer you access to the Financial Ombudsman Service. Please see the following link for further details www.financial-ombudsman.org.uk

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