A few years ago, there was a life insurance company that used a "clinical underwriting" approach to diabetics life insurance...it was a "whole body" approach that was unique to the life insurance industry. Unfortunately, that company - U.S. Financial Life Insurance Company is no longer writing new life insurance for diabetics or anyone else.

The good news is that there are still life insurance companies that understand diabetes and life insurance and will offer you competitive life insurance rates if your diabetes is controlled. We have life insurance companies that specialize in impaired risk life insurance issues that will help.

Life insurance underwriters will typically use a "debits" and "credits" approach to underwriting you for diabetes life insurance. For example, if you have diabetes and smoke, underwriters will add "debits" to your file, increasing your rate....conversely if you exercise and have good control of diabetes, the underwriters may add "credits" to your file, reducing your rate....this is where we can help.

We understand diabetes from a life insurance underwriting standpoint. We know what the life insurance companies are looking for, and will help you get the most competitive diabetes life insurance rates available based on your individual health. Not only do we learn about your diabetes, we ask you the additional questions that will allow life insurance underwriters to give you the "credits" you deserve!

Best Case, Worst Case, and somewhere in between.....

Where do you fit??? Life insurance underwriters will review your diabetes information and classify you for life insurance in one of the below categories.

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 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. 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 if available to you. Again, there is never any obligation or pressure with our life insurance for diabetics service.

Diabetes Life Insurance Quote Request (opens a new secure window for you to submit your information)

Diabetes is classified as Type 1 or Type 2 diabetes.

Type 1 (formerly called Juvenile Diabetes)

Individuals who have type 1 diabetes typically develop the disease before the age of 30, with some exceptions. Type 1 diabetes occurs when the body does not produce insulin. The insulin is provided by injection. Type 1 diabetes is treated with insulin.

If you have Type 1 diabetes life insurance rates will depend on a number of factors.

Type 2 (formerly called Adult Onset)

With type 2 diabetes, the production of insulin by the body is impaired. Type 2 diabetes is treated by diet, excercise, and oral medications as necessary.

A third type of diabetes called gestational diabetes occurs with some women during pregnancy. As long as symptoms resolve themselves after pregnancy, this is typically not an underwriting issue with life insurance companies.

Gestational Diabetes:

Did your doctor tell you that you had gestational diabetes while you were pregnant?

As long as your symptoms are resolved after the pregnancy and no complications occurred, life insurance companies do not hold gestational diabetes against you.

How Diabetes affects your life insurance rates: 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 possible. We can help 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:

Type - Are you a Type 1 or Type 2 diabetic?

Age at Onset - How old were you when diagnosed?

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 underwriters an indication of your glucose control over the past 60 - 90 days.

Compliance - Are you following doctors orders? Eating the right foods, maintaing a healthy weight, eating the right foods, taking your 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.

What to expect from life insurance companies:

Type 1 Diabetes:

If you look anywhere on the internet at the "standard" or "regular" rates of life insurance companies, this would be a best case scenario, but 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. It pays to shop. We take your medical information and shop it out to a number of the most competitive life insurance companies. Once we receive feedback from those life insurance companies, we run accurate 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 or call us on the phone.

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 for the "standard plus" rate. Going to the wrong life insurance company may get you a decline notice!

Regardless of type of diabetes, the determining factors for your life insurance rate will be your diabetes control, age at 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 diagnosis - If diagnosed with diabetes between the age of 50-69 that is considered to be good from an underwriting standpoint. Diagnosis after age 70 is the most ideal situation.

Diagnosis prior to age 50 will negatively impact your rate, but with good control, etc.. this can be overcome.

At LifeInsuranceAdvisors.com, our service is a no pressure, no obligation 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

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American Diabetes Association

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