Can I get life insurance if I take medication for high blood pressure or cholesterol?

Answered by 4 licensed agents

The only reason you cannot get life insurance is because your are near death or dead. Life insurance companies rate plans based on health. If you are super healthy you get lower rates. If you are unhealthy and need a guaranteed issue policy it will be expensive and usually comes with a waiting period for full death benefit.

It is important to get with a good Life Insurance Agent and they can go over all of your options.

Brokers Make a Difference!

Answered by Dean Chiapetto on August 27, 2026

Broker Licensed in VA, MD, NC, TN & WV

Answered by Dean Chiapetto Life Insurance Agent
Yes, you may still qualify for life insurance if you take medication for high blood pressure or high cholesterol. Many insurance companies regularly approve applicants with these conditions, especially when they are well controlled.

The insurance company may consider:

Your current blood pressure and cholesterol readings

The medications you take

How long have you been receiving treatment

Your overall health and medical history

Every insurance company has different underwriting guidelines, so comparing several companies can help us find the best coverage and rate for you. Taking prescribed medication and keeping the condition under control can often work in your favor.

Please let me know if you would like me to review your options. There is no obligation.

John Henley

Contact me.

Answered by John Henley on September 3, 2026

Agent Licensed in MS, AL, AR & 5 other states

Answered by John Henley Life Insurance Agent
Yes. It depends on the insurance company whether they will accept you, and if so, how much they will charge for certain conditions they accept. Work with your agent to have them help you find the company that accepts certain conditions and can find you the best coverage for your specific needs, and for the best price.

Answered by Douglas Corona on August 27, 2026

Agent Licensed in CA

Answered by Douglas Corona Life Insurance Agent
Short answer is yes! However depending on if the blood pressure and or cholesterol is under control. Also depending on other outlying health conditions. Even with chronic or serious health conditions there are certain carriers that offer guaranteed issue final expense/whole life policies.

Answered by Chris Crawford on August 27, 2026

Agent Licensed in OK

Answered by Chris Crawford Life Insurance Agent

Tags: Eligibility

Agents: Share Your Expertise

Have insights or experiences related to this topic? Help others by sharing your knowledge and answering this question.

Seniors: Ask a Question of Your Own

Questions are generally answered within 1 to 3 business days. Receive valuable perspectives from multiple licensed agents and brokers.

Ask a Question