Diabetes Life Insurance
There is no lack of online life insurance for diabetics, which will lead you to believe that your diabetes, whether type 1 or type 2, is in competent hands. What they don’t mention is that they won’t listen to your individual story and shop for the best rate you can possibly get.
You know that each person with diabetes has a little different story. When I help you with your life insurance needs and you have type 2 diabetes I need to know your story. I need to know when (what age approximately) you were diagnosed, what medications you are taking, what your most recent A1c was (you should have one every 3-6 months), if you have any kidney or eyesight problems, etc. It is your story, your condition, that determines how I can find the best rates on life insurance for diabetics. It’s kind of a no brainer that someone who manages their diabetes well should get a better rate than someone who doesn’t. Poorly managed diabetes brings with it a host of other health issues, many that can lead to premature death.
Your type 1 diabetes story is a lot different than type 2. It’s important to know that type 1 diabetes can’t be approved for life insurance until in your 30’s with juvenile diabetes, as early as 25 if diagnosed in your teens and whatever your current age is if you were diagnosed as an adult. Underwriting factors that play into the decision are control as shown by your A1c, whether you self monitor or use a pump, and of course if there are any collateral health issues.
It’s your specific story, and not just having type 1 or type 2 diabetes that helps us find the best life insurance for diabetics and the best rates for you.
More Questions? Check Out Our Blog!
The Hinerman Group knows that every situation is unique and it can be difficult finding the best answers. Be sure to check out our blog where you will find a comprehensive bank of topics covered regarding Life Insurance. The background covered in The Hinerman Group blog will point you in the right direction and help you get your family the coverage you need.
Want to talk? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION. *Ed released the fish and it went on to have a full life. Occasionally Ed receives postcards from new waters and pictures of grandfish.