Affordable Life Insurance Protection for Your Family
Term Life Insurance for Diabetics - Can you buy life insurance if you’re diabetic?
If you’re shopping for term life insurance, and you’re diabetic, you may be asking yourself this question.
There is no one right answer for all diabetics, because the prices and availability can vary by person, depending on several individual factors, which may include: age, gender, health condition, family health history, and how you manage your diabetes.
Today, even if you are insulin dependent, you may be able to find affordable life insurance for diabetics through a highly-rated life insurance company that specializes in finding diabetics the best plan and price for life insurance protection.
There’s no promise that every diabetic may find the life insurance they need, but if you are keeping your diabetes in check with a proper diet, and watching your weight, you may be able to find an affordable life insurance plan that meets your needs, and fits your budget.
We have partnered with JRC Insurance Group, which has a network of life insurance companies that specialize in providing life insurance protection for people with diabetes.
Whether you are an insulin dependent diabetic, adult onset diabetic, juvenile onset diabetic, or oral meds or controlled by diet diabetic… it may be to your advantage to use a free quote service like WholesaleInsurance that has worked with life insurance companies that insure people in your situation.
Tip for Diabetics:
The American Diabetes Association recommends ten foods that help keep your A1c low; these include beans, dark green leafy vegetables, citrus fruits, sweet potatoes, berries, tomatoes, fish high in omega-3 fatty acids, whole grains, nuts and low-fat milk or yogurt.
Why is Life Insurance Unaffordable or Unavailable for People with Diabetes?
Life insurance companies rate their policies based on several factors, including your health status.
Also, an insurance carrier can choose to not provide life insurance based on an applicant’s chronic health conditions, like diabetes.
Even so, it may be possible for many diabetics to find life insurance for diabetes policies in the U.S.
You need to know where to look. Some life insurers specialize in offering life insurance to people with diabetes, and other chronic health conditions.
To Find the Best Term Life Insurance for Diabetics
Please Consider the Following:
One recent study on diabetes indicates type 2 diabetes, well controlled or not, results in a high occurrence of heart disease.
Strokes and heart attacks are the leading cause of death among type 2 diabetics and the American Diabetes Association suggests that the rate of death among diabetics due to heart disease is possibly as high as 75%.
Maybe life insurance underwriters are putting to much emphasis on lowering glucose numbers, possibly putting too high an emphasis on a low hbA1c.
Life insurance companies may become less stringent about glucose levels, but may adjust mortality tables to reflect the high occurrence of heart disease in diabetics.
Key Factors for Underwriting Term Life Insurance for Diabetics
Currently the most critical underwriting factors for diabetes are:
It appears the best underwriting and life insurance rates may go to late onset (after age 50), an hbA1c of 6.5 or under, and no complications resulting from diabetes.
Tips for Buying the Term Life Insurance for Diabetics
Life Insurance Quotes for Diabetics
Top Pick – JRC Insurance Group
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American Diabetes Association - Learn about diabetes and review diabetic resources.