Blood pressure is less an issue as long as it is maintained. I do not know the specifics.
If I were you I'd keep whatever you have now until you have new coverage -- then I'd cancel the whole life. Remember you are buying INSURANCE not INVESTING. A lot of salespeople will try to combine those two.
One of the biggest contributing factors to life insurance premiums is weight.
I'm shopping for life insurance too... Be advised there are a lot of people out there trying to sell BS insurance. I had it out with a salesperson who told me I was ineligible for term and would have to take an 'accidental death' policy. If I'm dead I'm dead. Say I have a stroke and that's it? or murder? Those really aren't 'accidents,' are they?http://money.cnn.com/magazines/moneymag ... /index.htm
Gives an okay overview.
whether or not you have a mortgage is not a major factor, but that's my opinion. Insurance companies will try to mix it into coverage, but factor if you have a 20 year term and a 30 year mortgage by the time the term is up you'll only have 10 more years on the mortgage -- if you don't pay extra.
When you get the mortgage don't be afraid to pay extra, especially the first year. The earlier and bigger the principal payment the more return it gets... but that's a whole different story.