Prices from just £7.96
Yes, it’s still possible to get life insurance if you have high blood pressure or another pre-existing condition. You may pay a little more for cover, especially if your symptoms are ongoing, but it’s often more affordable than you might expect.
📣 Did you know? High blood pressure and hypertension mean the same thing — they’re just different names for the same condition.
You can still get life insurance if you smoke or vape, but premiums are usually higher — sometimes more than twice the cost of non-smoker rates.
The cost of life insurance with high blood pressure depends on how well your condition is managed. Insurers look at your overall health, medical history and blood pressure readings before setting your premium.
This table gives an example of how prices can vary for a 30-year-old non-smoker taking out a £200,000 policy over 30 years.
Keeping your blood pressure well controlled can make a real difference to the cost of your cover, so it’s worth following medical advice and attending regular check-ups.
Symptoms | Minimum Monthly Cost |
|---|---|
No hypertension | £7.96^ |
If well controlled | + £0 |
If moderate symptoms | + £3 |
If severe symptoms | + £9 |
Here are three example quotes based on real customer data. Prices are per month for level term.
Policy Type: £250,000 cover | 30 year term
With major symptoms: £16.77
Policy Type: £150,000 cover | 20 year term
With major symptoms: £35.64
Policy Type: £50,000 cover | 10 year term
With major symptoms: £34.42
Insurers will consider factors such as:
How well your blood pressure is controlled: Consistent, healthy readings and effective medication management can help lower costs.
Recent medical history: Hospital visits or complications may increase premiums.
Other health conditions: Diabetes, heart disease or high cholesterol can raise risk levels.
Age and body mass index (BMI): Younger applicants and those with a healthy BMI usually pay less.
Smoking or vaping: Tobacco or nicotine use can significantly increase premiums.
Policy type and length: Level term, decreasing term or whole-of-life policies are priced differently, with longer terms costing more.
Keeping your blood pressure stable, following medical advice and maintaining a healthy lifestyle can all help reduce what you pay.
Yes. It's very common, particularly for people over 45, to be on preventative blood pressure medication.
Some insurers may ask for a medical report or recent blood pressure readings, especially if your condition has changed recently. In many cases, though, you can apply and get a quote without a full medical exam.
It’s always best to correct it as soon as possible. Missing information could affect your policy or delay a future payout. If you’re unsure, speak to your insurer or an adviser to help update your details.
Yes, you can review your life insurance if your health improves. Most policies let you reapply or take out a new one, which may mean a lower premium if your condition is now well managed or you’ve made lifestyle changes such as quitting smoking or losing weight.
It’s worth comparing quotes again to see if you could get a better deal, but remember — your current policy’s price and terms will stay the same unless you take out a new plan.
Keeping your blood pressure under control, maintaining a healthy weight, and not smoking can all help reduce your premium. Comparing providers is also one of the best ways to save.
Once your policy is in place, your premium usually won’t change — even if your blood pressure goes up or down later on. It’s worth reviewing your cover occasionally to make sure it still meets your needs.
Yes, you can still get cover if you have other conditions such as diabetes or high cholesterol. You might pay more, but it helps to compare policies to find one that suits your health and budget.
Insurers use this information to understand how long you’ve had the condition and how stable it is. Your date of diagnosis shows your medical history, while your latest reading helps them assess how well your condition is being managed now.
Together, these details help insurers set a fair premium based on your current level of risk.
You’ll usually be asked to share:
✔ When you were first diagnosed with high blood pressure and the date of your most recent check-up
✔ Your latest blood pressure readings (systolic and diastolic)
✔ Details of your general health and medical background
✔ Any relevant family health history
✔ Information about your lifestyle, such as how much alcohol you drink
Decide on the details of your life insurance:
Choose your cover type — family (level cover) or mortgage (decreasing cover)
Set the amount of cover you need
Decide how long you want the policy to run (the term)
Then, in the ‘Health Conditions’ section, select ‘high blood pressure’ along with any other conditions that apply to you.
You’ll see a selection of quotes to help you compare and choose the right policy for your needs.
When you’ve found the one that suits you, you can:
Buy now: Complete your purchase online in just a few seconds
Apply now: Visit the insurer’s website to answer a few extra questions before buying
Getting life insurance with high blood pressure is often straightforward, with many applications accepted instantly and no need for medicals or GP reports.
Having your latest readings, ideally around 140/80—ready can help secure cover at the price you have been quoted
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Yes. If you are struggling to find suitable cover or need extra support, you can speak to an adviser at our partner LifeSearch.
Phone number: 0800 197 3178
Opening hours: Mon to Fri 8am - 8 pm | Sat 9 am - 2 pm | Sun 10am - 3.30pm
It's free to call, and their team of 280 advisers are all UK-based.
LifeSearch is one of the largest insurance brokers in the UK. It works with leading and specialist insurers, and has covered over 2 million people since 1998.
LifeSearch provides a number of different insurance products, including:
Life insurance
Critical Illness Cover
Income Protection
LifeSearch is rated 'excellent' on Trustpilot and is authorised and regulated by the Financial Conduct Authority (FCA).
MoneySuperMarket has a long-standing partnership with LifeSearch. When you compare life insurance through us, you’ll see options from insurers they work with — helping you find cover that fits your circumstances.
Your policy will always be taken out with the insurer you choose, but LifeSearch can support you at every stage, from applying for cover to making a claim. You can also manage claims directly through their website.
We receive a commission for referrals, but this never affects the price you pay for your policy.
➡️ Find out more about how MoneySuperMarket makes money
Some well-known UK insurers are experienced in providing life insurance to people with high blood pressure, including:
Aviva
LV=
Legal & General
Vitality
These providers regularly assess applications from people with hypertension and take into account how well your condition is managed, your age, lifestyle, and any related health issues. If your blood pressure is well controlled through medication and regular monitoring, you may be offered standard rates similar to those without the condition.
If your readings are higher or you have other health concerns, you might pay a little more — but comparing quotes can help you find affordable cover. For extra support, you can also speak to one of our UK-based advisers or our trusted partner, LifeSearch, for free and impartial guidance.
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Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
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Reviewed on 26 Dec 2025 by
Starting price for a 30 year old non-smoker with well-controlled high blood pressure, taking out a £200,000, 30-year life insurance policy. Data from LifeSearch, 2025.
Starting price for a 30 year old non-smoker with no medical conditions, taking out a £200,000, 30-year life insurance policy. Data from LifeSearch, 2025.
Example cost of 30-year £250,000 level term life insurance policy for a 30-35 year-old non-smoker with high blood pressure and minimum symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 30-year £250,000 level term life insurance policy for a 30-35 year-old non-smoker with high blood pressure and major symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 20-year £150,000 level term life insurance policy for a 45-50 year-old non-smoker with high blood pressure and minimum symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 20-year £150,000 level term life insurance policy for a 45-50 year-old non-smoker with high blood pressure and major symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 10-year £50,000 level term life insurance policy for a 60+ year-old non-smoker with high blood pressure and minimum symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 10-year £50,000 level term life insurance policy for a 60+ year-old non-smoker with high blood pressure and minimum symptoms.
Data from LifeSearch. Prices from June 2025.
