Oh how I go on sometimes about the compounding effect that heart disease and diabetes have on each other. Life insurance underwriters know all too well that the combination is a dangerous one, and not to be underwritten lightly. If there isn’t good control of both problems, life insurance rates will likely be something wished for but not offered. With good control at least companies are willing to underwrite and approve good life insurance rates.

I have often harped on just how important the hbA1c is for the underwriting of someone with diabetes. Remember, an A1c of less than 6.5 is excellent control, 6.5 to 7.5 moderate and anything above 8 is poor control.

Now there is a study noted on the American Diabetes Association website that states, ” Diabetic patients undergoing heart bypass surgery can markedly reduce their risk of serious complications by keeping their blood sugar levels in check before the operation.”

No real surprise there. With the complications that co-exist between the two health issues, treating one while the other is out of control sounds like a dangerous proposition. Heart surgery is risky enough without having everything you can going for you.

Bottom line. Compliance and control. Life insurance underwriters want to see the same thing your doctor wants. I would be the last person to say that diabetes is easy to control, but even if it’s the hardest thing you’ve ever done, it’s the best thing you can do.

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