Blood pressure reading is the measurement of the force of blood against artery walls, recorded as systolic over diastolic values (for example, 120/80 mmHg). In life and health underwriting, blood pressure readings are key indicators of cardiovascular risk. Persistent hypertension increases the likelihood of stroke, heart attack, kidney disease, and other complications. Underwriters evaluate not just a single reading but a pattern over time, including office visits, paramed exams, and home readings when available. They also consider treatment with medications, presence of end-organ damage, and associated risk factors such as obesity, diabetes, and high cholesterol.

Underwriters analyze blood pressure readings from paramed exams, medical records, and applicant disclosures, comparing them to company build and blood pressure tables for preferred, standard, and substandard classes. Advisors encourage clients to follow physician guidance, take medications consistently, and avoid caffeine and nicotine before exams to reduce artificially high readings. In some borderline cases, carriers may allow rechecks or consider favorable home-monitoring logs. Advisors who understand how blood pressure affects underwriting can coach clients to schedule exams at optimal times and to provide documentation of good long-term control. Understanding blood pressure readings helps align health management with insurability and preferred-class goals.