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Can I get life insurance if I have diabetes?

Did You know that diabetes life insurance is available to you whether you have Type 1 Diabetes or Type 2 Diabetes?

There are a number of life insurance companies available that specialize in diabetes life insurance underwriting.  We know which life insurance companies will be best for you whether you are a type 1 diabetic or you have diabetes type II. 

Whether you need term life insurance, universal life insurance or whole life insurance, let us help you get the life insurance you need.

Diabetes Life Insurance Quote Request

Diabetes Types:

Type 1 Diabetes - Type 1 diabetes is also known as juvenile diabetes or childrens diabetes.  Type 1 diabetes onset typically occurs before the age of 30 for Type 1 diabetics.  With Type 1 diabetes, your body does not produce insulin, requiring that you take insulin in order to treat your Type 1 diabetes.

Type II Diabetes - Type 2 diabetes is also known as adult diabetes or adult onset diabetes.  With type 2 diabetes, your body does not produce enough insulin.

Gestational Diabetes - If you were told by your physician that you have gestational diabetes while you were pregnant, this is not the same as having type 1 diabetes or type 2 diabetes.  As long as your gestational diabetes symptoms resolve themselves after pregnancy, it is not a problem from a life insurance underwriting standpoint.

Metabolic Syndrome - You may have heard this term from your doctor.  Metabolic Syndrome is not diabetes.  Metabolic Syndrome is a series of 5 risk factors and if you have 3 or more, you have an increased risk of type 2 diabetes.

Diabetes Life Insurance Quote Request

Diabetes Facts about Underwriting: 

Diabetes Control for Life Insurance Purposes:

Where do you fit based on your diabetic control?  Life insurance underwriters will review your diabetes information and classify you for life insurance in one of these general categories. 

The most critical measure of control for underwriters when reviewing diabetes is your HbA1c levels.  Your HbA1c is a measure of your diabetic control over a period of time.

Best Case - Your HbA1c is less than 7, you have no complications from diabetes, your blood pressure and cholesterol are controlled.  Your diabetes is well controlled, your weight is ideal, you exercise, eat healthy, and stay compliant with your physician's orders, taking diabetes medication when you are supposed to.

Worst Case - Your HbA1c is 9 or greater, and you suffer from one of the following - severe neuropathy, stroke, heart attack, vascular disease, kidney problems, etc..Additional issues such as smoking, overweight, lack of diabetic control will further hurt your chances at obtaining life insurance coverage.

Somewhere in between - Your HbA1c level is between 7-9, you have no neuropathy or retinopathy...you may have some mild background or peripheral issues, you may be slightly overweight, and some varying levels of diabetic control.

A note about HbA1c levels - Blood glucose is monitored by your hemoglobin A1C, a test that indicates your level of glucose control over a period of 3 months. 

It can't be stressed enough that your HbA1c levels are the most critical readings that life insurance underwriters look at when considering you for life insurance coverage.

Regardless of where you are with your diabetes control, let us help you...We'll tell you your best options now for diabetic life insurance, we can even discuss what it will take to get you better diabetes life insurance rates at a later time. 

There is never any obligation or pressure with our life insurance for diabetics service.

Diabetes Life Insurance Quote Request

Getting term life insurance with type 1 diabetes:

Diabetes Life Insurance Quote Request

 

It is important to note that not all life insurance companies will do a good job underwriting diabetes and life insurance.  You need to get to the right life insurance company in order to get the most competitive life insurance rates for diabetes.  We'll help you as we know which diabetics life insurance companies to go to.

 

Each life insurance company has its own set of underwriting guidelines, but all life insurance companies look for the following information:

 

Diabetes Type - Are you a Type I diabetic or Type II diabetic?

 

Age at Diabetes Onset - How old were you when diagnosed with diabetes?

 

Diabetic Control - Do you have good control of your diabetes? Do you test your blood sugar frequently.  Is your doctor satisfied with your control of diabetes?

Life insurance companies are looking for your fasting blood glucose levels, random glucose levels, and your HbA1c level.  Your HbA1c reading gives life insurance underwriters an indication of your glucose control over the past 60 - 90 days.

Diabetes Compliance - Are you following doctors orders? Eating the right foods, maintaing a healthy weight, eating the right foods, taking your diabetes medication as directed? Compliance with doctors orders may help improve the life insurance rate you pay.

Complete Medical Information - Do you have thorough medical records? Have you been going to the doctor for checkups or do you skip appointments and only have sporadic records? Life insurance underwriters want to look at your file and see a history of consistent readings of diabetes control.

What to expect from life insurance companies:

 

Type 1 Diabetes:

 

Standard or regular life insurance rates with some life insurance companies may be available, but this would be a best case scenario, and only with a handful of life insurance companies and only if you fall into the "best case" category. 

Most life insurance companies will take the standard rate and add 50-100% to the price depending on the above information.  

We take your medical information and shop it out to a number of the most competitive life insurance companies for diabetes. 

Once we receive feedback from these life insurance companies, we run accurate life insurance quotes for you and get you to the most competitive life insurance company. 

We can give you a rough idea of what to expect when you submit your information to us.

 

Type 2 Diabetes:

 

Life insurance underwriting for Type 2 diabetes is usually more favorable than for type 1 diabetes underwriting, BUT again it is important to get to the right life insurance company as that will make the difference in price. 

There are a number of impaired risk life insurance companies that will consider type 2 diabetes at the "standard" rate, and even a few life insurance companies that will consider some diabetics for the "standard plus" rate.  Going to the wrong life insurance company may get you a decline notice!

 

Regardless of what type of diabetes you have, the determining factors for your life insurance rate will be your diabetes control, your age at diabetes onset, compliance with your doctor's advice and availablility of complete medical information.

 

Examples of diabetic control:

 

Fasting blood sugars - Blood sugars less than 126 mg/dl is considered to be excellent from a life insurance underwriting standpoint.  Blood sugars less than 140 is considered to be good control.

 

HbA1c level - Less than 7 is considered to be excellent, less than 8 is considered to be good.

 

Fructosamine - Less than 1.7 is considered excellent, less than 1.9 is considered to be good.

 

Age at diabetes diagnosis - If you were diagnosed with diabetes between the age of 50-69 that is considered to be good from a life insurance underwriting standpoint.  Diabetes diagnosis after age 70 is the most ideal situation. 

Diabetes diagnosis prior to age 50 will negatively impact your life insurance rate, but with good diabetic control, etc.. this can be overcome.

At LifeInsuranceAdvisors.com, our service is a no pressure, no obligation life insurance service.  We'll give you the information you need to make an informed decision about your life insurance. 

Call us today at Toll Free (800) 909-2040 or submit your secure request.   Thank you.

Diabetes Life Insurance Quote Request 

 

 

If You have health issues, it is important that we know about those health issues in order to provide you with the most accurate term life insurance quotes possible.  You will find more information here about health issues such as:

Alcohol Related, Angioplasty, Asthma, Bipolar, Blood Pressure, Build, Cancer, Crohn's, Depression, Diabetes, Family History, Heart Disease, Hepatitis, Liver Enzymes, Melanoma, Sleep Apnea, Tobacco Use, Ulcerative Colitis, and many more Impaired Risk Life Insurance topics.

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