Affordable Life Insurance With Diabetes

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The key to buying affordable life insurance if you have diabetes is this: “Control.” If you are controlling your diabetes by visiting your doctor regularly, taking your medications and responding well to your treatments, you may still be able to get an affordable life insurance policy.

Your best strategy is to show a history of effective treatment, including yearly eye exams, and that your other risk factors – such as weight and blood pressure – are in normal ranges.

Life Insurance for People w/ Type 2 Diabetes

People with Type 2 diabetes account for 90 to 95 percent of all diagnosed cases according to the U.S. Center for Disease Control. Type 2 diabetics can be treated by adjustments to diet and exercise, oral medications or insulin therapy, and insurers tend to focus on how well they are responding to their treatments.

If a Type 2 diabetic was:

• Diagnosed after age 50
• Treated by diet or oral medication
• Has excellent compliance & blood sugar control with no complications and
• No co-morbid factors – related illnesses such as, hyperlipidemia, obesity, smoking, alcohol excess, family history of medical issues.

They will likely fall in a “standard” rating class for life insurance pricing. If it was diagnosed between age 40 and 50 there could be a modest rating.

Type 1 Diabetes & Life Insurance

Traditionally, patients with Type 1 diabetes will likely have a tough time finding traditional, medically underwritten life insurance. A person who has had diabetes for some time already – say, someone diagnosed five, 10 or 15 years ago with juvenile-onset diabetes – is much more likely to suffer “end organ” diseases brought on by a lifetime of diabetes. This makes life insurance more expensive.

While not everyone with diabetes will qualify for life insurance, many will and the overwhelming problem we have seen  is that people with diabetes incorrectly assume that they cannot qualify for life insurance or that it will be too expensive. Take a few minutes to see if you can protect your family with affordable life insurance.

Take action today by completing the following form. We have an expert who would love to have a conversation with you to see how we can help you get some coverage for your family.

If you have questions about life insurance with diabetes, give us a call at 813 964 7100 or go online for a free quote: http://www.mintcofinancial.com/life-insurance-quote