Is life insurance available to diabetics?

  • Oct-23-2015
  • Richard Reich

In a previous post, we discussed how it is possible for survivors of a critical or long-term illness like cancer to purchase a life insurance policy. Details vary by insurer, but most survivors of critical illnesses can qualify for a life insurance policy if they are currently in good heath and have little risk of developing the disease again. While this eligibility is great for people who are no longer dealing with an ailment, where does this leave individuals who have a chronic disease like diabetes?

Having diabetes will not automatically disqualify you from obtaining a life insurance policy, but you may have to do some digging to find one with affordable premiums. The American Diabetes Association recommends that any diabetic on the hunt for a life insurance policy should consider the following:

  • Consulting with an independent agent may be beneficial – You should look for an agent who is experienced in working with individuals with “impaired risk.” They will know which life insurance companies may be more likely to offer you a policy.
  • Disease management is an important factor – If you eat right, exercise regularly and have good blood glucose control, you may qualify for lower rates. The key is to reduce your risk for complications as much as possible.
  • Don’t give up – There is a life insurance policy out there for you. Don’t be discouraged if one company declines your application. Keep looking until you find something that works for you.

The first step in obtaining a competitive life insurance policy is thorough research. As you begin your journey, visit our website to get a life insurance quote.

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