Key takeaway
Controlled high blood pressure (hypertension) is one of the most common health conditions Canadian insurers encounter, and most applicants qualify for coverage with little or no premium increase. Well-controlled hypertension on 1–2 medications with no organ damage typically results in standard rates. Uncontrolled or complicated hypertension may add 25–75% to premiums.
How insurers evaluate blood pressure for life insurance
Canadian life insurance companies classify blood pressure into risk categories based on your readings and treatment status. Well-controlled hypertension (readings consistently below 140/90 on medication) typically qualifies for standard or preferred standard rates — meaning minimal or no premium increase.
Insurers look at: current blood pressure readings (most recent 2–3 measurements), number and type of medications, duration of diagnosis, compliance history, and whether you have any organ damage (heart, kidney, or eye changes related to hypertension).
Expected premium impact by blood pressure control level
Mild hypertension on 1 medication, well-controlled (below 140/90): standard rates or 0–15% increase. Moderate hypertension on 2 medications, controlled: 15–50% increase. Severe or uncontrolled hypertension, or requiring 3+ medications: 50–100%+ increase or possible decline.
For context, a 40-year-old non-smoker with well-controlled hypertension on one medication can expect to pay $40–$55/month for $500K 20-year term coverage, compared to $38–$50 for someone without hypertension. The difference is often minimal.
Tips to improve your application with high blood pressure
Get a blood pressure check within 30 days of applying and bring the results. If your readings are borderline, ask your doctor about 24-hour ambulatory blood pressure monitoring — this can show that your average readings are lower than office readings (white coat hypertension), potentially improving your risk classification.
Demonstrate treatment compliance: consistent medication use, regular doctor visits, and lifestyle modifications (exercise, sodium reduction, weight management) all signal to underwriters that your condition is well-managed and stable.
Frequently asked questions
Can you get life insurance with high blood pressure?
Yes. Well-controlled hypertension is one of the most commonly insured conditions in Canada. Most applicants with blood pressure below 140/90 on medication qualify for standard or near-standard rates.
How much more does life insurance cost with hypertension?
Well-controlled hypertension on 1–2 medications adds 0–25% to premiums. Poorly controlled or complicated hypertension can add 50–100%+. Many applicants with well-managed blood pressure pay standard rates with no surcharge.
Do I need to disclose blood pressure medication on a life insurance application?
Yes. All prescription medications must be disclosed. Non-disclosure constitutes material misrepresentation and can void your policy. Disclosing hypertension medication with well-controlled readings typically results in standard or near-standard rates.