Life Insurance and High Fructose Corn Syrup (HFCS)

Life Insurance

We may not think about life insurance when we are eating a peanut butter and jelly sandwich, or drinking a glass of fruit juice, but a recent study suggests that countries using large amounts of high fructose corn syrup in their food may be helping to fuel the global epidemic of Type II Diabetes. Researchers from the University of Oxford and the University of Southern California (USC) found a 20% higher proportion of a population have diabetes in countries with high use of food sweeteners compared to countries that do not.

These findings also reveal that the link between high fructose corn syrup (HFCS) and the “significantly increased prevalence of diabetes” is independent of the total use of pure cane sugars and levels of obesity.” “Many people regard fructose as a healthy natural sugar from fruit, and that's true. Natural fructose found in fruit for example, is fine: the 10 g or so of fructose in an apple is probably released slowly because of the fiber within it and because the fructose is within the cells of the apple.”

They go on to explain however that, “there is evidence that the body struggles to metabolize large amounts of fructose that does not come from fruit, and there is a risk for Type II Diabetes, because fructose and sucrose are not metabolically equivalent.” At 25 kg or 55 lbs of HFCS per year, the United States has the highest consumption of HFCS per head, followed by Hungary at 16 kg or 46 lbs per head. “Most populations have an almost insatiable appetite for sweet foods, but regrettably our metabolism has not evolved sufficiently to be able to process the fructose from high fructose corn syrup in the quantities that some people are consuming it.”

High fructose corn syrup is a hidden killer and can be found just about everywhere in our foods because it is a cheaper alternative over pure sugar cane. Check the bread that you eat almost everyday, and the dressings like jelly and peanut butter. Who doesn’t love ice cream? It’s usually in there too. Almost every soda and many fruit juices have it even if the latter are advertised as healthy. What did you eat for breakfast? Cereals, bagels, and muffins are almost always loaded with HFCS.

March 24th is American Diabetes Alert Day ( So what does this mean for those of us trying to apply for life insurance, or even long-term care and disability insurances? The answer to that is quite simple: it is hurting our chances to obtain these products at a standard rate class, or Type II Diabetes declines us entirely, especially if there is insulin use. The real question becomes, “Is the choice of our diet worth killing ourselves and the financial future of our families?” If we say no, then it is time to get protected before it is too late.

About the author: Kyle McDonald holds FIC, FICF, FSCP® & CLTC designations. His viewpoint on life insurance is simple, “Anyone with a family must have life insurance. In the end, life insurance is for others you care about, not you.” He is ready to help you and your family get the best option available. Contact Kyle today at   1-800-651-1953 or