Can I Get Life Insurance if I’m a Diabetic?
Is life insurance an option when you are living with diabetes?
There are many factors that go into the underwriting of a life insurance policy with regards to a history of diabetes. Some of them are listed below:
- Type of diabetes: Type 1 – Insulin dependent or Juvenile-Onset, Type 2 – Non-Insulin dependent or Adult-Onset, Gestational – Glucose intolerance during pregnancy
- Medical History
- Regular checkups with your doctor
- Age at diagnosis
- How long you’ve had diabetes
- Degree of control as illustrated by medical records, height and weight as well as your lab results (A1C and glucose levels, etc.)
- Any complications from or in addition to diabetes such as vision, kidneys, heart disease, nerve damage, osteoporosis, skin problems, etc.
- Current use of tobacco or nicotine products
You can help yourself obtain the best possible rate class on your life insurance policy if you follow some simple rules; visit your doctor as recommended, follow your doctor's advice with regard to medication and treatment plans and keep track of your A1C and glucose levels. It’s a good idea to make sure that your blood pressure and cholesterol levels are in the normal range.
It’s never a guarantee that an insurance company will accept your application under any circumstances, but you can help increase your chances of obtaining the best life insurance rate possible if you take good care of yourself and your diabetes.
About the author: Melanie Tretheway has been in the life insurance business for over 30 years. She is a mother of two who loves baking, reading, gardening, and taking care of her family. Melanie takes great pride in making sure you are informed, especially when it comes to choosing the right life insurance policy for your family. You can contact Melanie at 1-800-651-1953 or MTretheway@Pivot.com.