I'm looking for a 30 year term life insurance policy in the next year or so. Ideally I'd like coverage for about $3 million, about 10x my annual income.
I'm a male, 31, non-smoker, no medications, only medical history is white coat syndrome. My blood pressure at home averages in the 120's/70's with pulse of about 60 (my family doc asked me to keep readings which I've done over the last year or so), while in the office is around 150/100 with a pulse of 120's. Obviously there's a large white coat/anxiety element.
I'll be going for a 24 hour ambulatory monitor soon to determine once and for all whether I do in fact have hypertension or not, but my FP doesn't think I do. Let's assume for the moment that the ambulatory monitor confirms my home readings and I'm told I DO NOT have hypertension.
1. Are there any companies that are willing to offer a no-exam life insurance policy for $500,000 to someone who is not a US citizen or green card holder? My green card is in process but will take another 1-1.5 years to obtain.
2. If I decide to go for an exam, I'm worried that I'll get nervous when the paramed arrives and will have high BP and get declined, even if 3 readings are averaged. Is there any option to not have BP taken at the time of the paramed visit, and submit readings from the 24 hour ambulatory monitor instead?
Thanks!
I'm a male, 31, non-smoker, no medications, only medical history is white coat syndrome. My blood pressure at home averages in the 120's/70's with pulse of about 60 (my family doc asked me to keep readings which I've done over the last year or so), while in the office is around 150/100 with a pulse of 120's. Obviously there's a large white coat/anxiety element.
I'll be going for a 24 hour ambulatory monitor soon to determine once and for all whether I do in fact have hypertension or not, but my FP doesn't think I do. Let's assume for the moment that the ambulatory monitor confirms my home readings and I'm told I DO NOT have hypertension.
1. Are there any companies that are willing to offer a no-exam life insurance policy for $500,000 to someone who is not a US citizen or green card holder? My green card is in process but will take another 1-1.5 years to obtain.
2. If I decide to go for an exam, I'm worried that I'll get nervous when the paramed arrives and will have high BP and get declined, even if 3 readings are averaged. Is there any option to not have BP taken at the time of the paramed visit, and submit readings from the 24 hour ambulatory monitor instead?
Thanks!