Life Insurance with High Blood Pressure in Canada
Life insurance with high blood pressure is available from every major Canadian insurer. Hypertension is one of the most common conditions underwriters see, and well-controlled blood pressure often qualifies for standard or near-standard rates. Here's what you need to know.
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How insurers evaluate high blood pressure
Canadian life insurers classify hypertension based on your readings, whether it's controlled with medication, and whether you have related complications (kidney disease, heart disease, stroke history). Well-controlled hypertension with readings under 140/90 — even with medication — typically qualifies for standard rates.
Insurers like Manulife, Sun Life, and Canada Life review your last 2–3 years of blood pressure readings, medication history, and any related health events. Providing recent lab work and a doctor's letter confirming well-managed BP can significantly improve your underwriting outcome.
Rate classes for applicants with hypertension
If your blood pressure is well-controlled (under 140/90) with one medication and no complications, most insurers offer standard rates — the same as someone without hypertension. This is the most common outcome at LowestRates.io for hypertension applicants.
Moderately elevated BP (140–160/90–100) or requiring multiple medications may result in a rated policy — typically standard +25% to +75%. Severely uncontrolled hypertension or BP with organ damage may face higher ratings or declines from some carriers.
| Profile | Est. Monthly Rate |
|---|---|
| Age 30 (controlled) | $22–$40/mo |
| Age 35 (controlled) | $28–$50/mo |
| Age 40 (controlled) | $40–$72/mo |
| Age 45 (moderate) | $70–$130/mo |
| Age 50 (moderate) | $120–$210/mo |
Estimates for a healthy non-smoker. Your rate may vary. Get your personalized quote.
Tips for getting the best rate with high blood pressure
Demonstrate compliance: take your medication consistently, attend regular check-ups, and keep your blood pressure log current. Insurers reward well-managed conditions.
Compare across providers through LowestRates.io. Underwriting guidelines for hypertension vary significantly. Desjardins and Industrial Alliance, for example, are often more lenient than some larger carriers for controlled hypertension.
Apply for the right coverage amount. If your hypertension is mild and well-controlled, don't avoid applying for the coverage you need. Many applicants are pleasantly surprised by their rates.
| Profile | Est. Monthly Rate |
|---|---|
| Age 30 (controlled) | $22–$40/mo |
| Age 35 (controlled) | $28–$50/mo |
| Age 40 (controlled) | $40–$72/mo |
| Age 45 (moderate) | $70–$130/mo |
| Age 50 (moderate) | $120–$210/mo |
Estimates for a healthy non-smoker. Your rate may vary. Get your personalized quote.
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Frequently Asked Questions
Can I get life insurance with high blood pressure?
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Yes. Hypertension is one of the most common conditions Canadian insurers underwrite. Well-controlled BP (under 140/90) with medication typically qualifies for standard rates.
How much more does life insurance cost with high blood pressure?
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If well-controlled with one medication: 0–25% more than standard. Moderate hypertension: 25–75% more. Severely uncontrolled: 75–150% more or potential decline. Each insurer evaluates differently.
Do I need to disclose my blood pressure medication?
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Yes. Failing to disclose medications is grounds for claim denial. Fortunately, taking BP medication actually helps your application — it shows you're actively managing the condition.
Which life insurance company is best for high blood pressure?
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Desjardins, Industrial Alliance, and Canada Life tend to be competitive for well-managed hypertension. Compare through LowestRates.io to find the best rate for your specific BP profile.
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