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Life Insurance With Diabetes

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If you have diabetes and you’ve found nothing but roadblocks when you’ve attempted to purchase affordable life insurance, don’t give up – just get smart. Regardless if our diabetes is type 1 or type 2, there are many companies out there who are willing to issue you a policy at affordable rates. You can buy life insurance with diabetes.

About Diabetes

When you eat, your body converts the food into glucose which is the fuel supply that your body uses for energy. Insulin is an important hormone that your body produces in order to convert the glucose (sugar) into a form of energy that it can actually use.

When you are diabetic, your body is unable to produce insulin, or the insulin that it does produce is not being used effectively, thus causing sugar to build up in the blood. It’s as if the insulin is floating around in your body instead of going into your cells.

The Three Types of Diabetes

  1. Type 1 Diabetes: Type 1 diabetes is better known as insulin-dependent diabetes or juvenile diabetes. A patient with type 1 diabetes has a pancreas that does not produce insulin, so they self-administer by using a syringe or insulin pump. Frequently children and teens have type 1 diabetes and insurers will evaluate it differently.


  1. Type 2 Diabetes: Type 2 is the most common of the three types of diabetes with approximately 90 percent of diabetics having type 2. Although a patient with type 2 diabetes can produce insulin, it is not effective at reducing or resisting glucose levels or their body does not produce enough insulin to meet their body’s needs.


  1. Gestational Diabetes: This form of diabetes occurs in pregnant women who probably did not have any symptoms of diabetes until they became pregnant. When a woman becomes pregnant, hormonal cells can make cells less responsive to the insulin your body produces, resulting in a buildup of glucose in the blood.

Diabetes in the U.S.

According to the Centers for Disease Control and Prevention (CDC), more than 29 million people in the U.S. have diabetes, and 25 percent of them don’t know they have it. Another 86 million people have pre-diabetes,which is when the blood sugar levels are higher than normal, but not high enough to be considered type 2 diabetes. Unless these people with pre-diabetes begin a weight loss program and moderate exercise, 15 to 30 percent of them will develop type 2 diabetes within five years.

Shopping for Life Insurance with Diabetes

When you are shopping for life insurance with diabetes, it’s important that you contact an experienced independent insurance agent who has been successful placing high-risk cases. Insurance companies have a tendency to view diabetes differently and depending on whether you have type 1 or type 2 diabetes, it’s important that you apply with a company that has a history of liberal underwriting guidelines. Many life insurers are willing to offer standard rates if you appear to be managing your glucose levels while some may decline because of this condition altogether.

How will Diabetes affect my Rates?

A life insurer will base your life insurance rates on many factors during the underwriting process. The cost of insurance for a diabetic will generally be higher than another person who does not have diabetes. When you have diabetes, your premium will be based on the following factors:

Your Age   Your Gender   Current Marital Status    Income and Occupation   Your Overall Health History   Your Family’s Health History   Date of First Diagnosis   Any Additional Health Issues   Your Type of Diabetes   Your Blood Sugarr/Glucose Levels   Your A1C Level   Current Prescribed Medications

Finding Affordable Life Insurance when You have Diabetes

It’s very important that people who are looking for affordable life insurance when they have diabetes, look for an experienced independent agent who has demonstrated success in placing high-risk cases. Typically, an agent who specializes in high-risk life insurance cases will represent all of the major life insurers who have a reputation for finding a way to insure an applicant with diabetes at very affordable rates. In fact, many experienced agents will be able to give you a legitimate quote after interviewing you about your condition.

Agents who are willing to take on high-risk cases (not all of them do) are willing to invest the time and effort to walk their client through the underwriting process and address and eliminate any roadblocks along the way. Since your agent does not get paid a commission from the insurance company until your policy is issued, they will do everything in their power to advocate for your policy getting issued. In cases where there appears to be a decline, your agent will have alternative products, such as guaranteed issue life insurance for you to consider.

What if I’m Declined?

Not every applicant that has diabetes will be offered coverage. Typically, those applicants that demonstrate they are not trying to manage their diabetes and who appear not to be serious about their doctor’s recommendations will likely be declined coverage. But, all is not lost. Your agent is likely to offer you a guaranteed issue policy that can be issued regardless of you having type 1 or type 2 diabetes

Although priced higher than traditional life insurance, a guaranteed issue policy allows those applicants who have been previously declined coverage to get a policy in place quickly as long as they are willing to accept the following:

  1. A two or three-year waiting period where death from natural coverage will not be covered, but all premiums will be returned. After the waiting period expires, the full death benefit is available for death for any reason.
  2. There is typically a limit of $25,000 to $30,000 on the death benefit.
  3. The rates for insurance are much higher than a traditional policy.
For more information about purchasing life insurance when you have diabetes, call the insurance professionals at LifeInsure.Com at (866) 691-0100 during normal business hours, or contact us through our website 24/7.

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