High BP from anxiety and underwriting

Hello all. I'm looking for advice for term life insurance for an early 30s female in the United States. I went to the testing center run by a national healthcare group. Due to lost documentation and a stressful check-in process, my BP was unnaturally very high due to stress and anxiety. They took 3 BP readings. The first was 140/100 and the last was 118/85. They promised they only report the best (last) but it turns out the underwriters averaged them. My usual BP is good when I'm not in the middle of anxiety, often in the 110/70 range.

Obviously if the underwriters are averaging the unnaturally high BP it gives the wrong representation of my true health. All other tests came back stellar, but due to the BP problem I was approved for one step better than smoker rate (way to expensive for me).

The underwriters said they may reconsider if I get my BP done again at my doctor and send previous years BP proof with doctor signature. I think I will do that but I'm not sure the "new" rate won't consider the "old" bad BP at all and I'll get stuck with a subpar rate.

Im considering canceling the policy and restarting with a new company and a new battery of tests, tests that will (hopefully) show my true health now that I know the process and know to calm down first or get tested at home. Will canceling my erroneous high rate policy and reapplying at a new company have any bearing on my rate at a new company?

I hope I'm making sense. What would you all do in this situation?

submitted by /u/Mineral_Miscreant
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