I was given a preview of some upcoming changes in diabetes, both type 1 and type 2, life insurance underwriting yesterday. This could open a whole new chapter for some folks that have been shut out due to the high cost or not even being considered based on the type of diabetes and the age of onset.
This is definitely going to be one of those stay tuned kind of posts. What I can tell you is that these changes are coming from a company that has been solid in diabetes underwriting for a long time. They’ve done their research and feel like some changes are due.
One thing that won’t change will be control as measured by A1c. This benchmark will remain pretty much where it is right now, with 6.5 or less being considered excellent control, 6.5 to 7.5 good control, 7.5 to 8.0 moderate control and above 8.0 poor control.
Bottom line. What will change with age of onset and more opportunities for type 1 diabetics should be major. Stay tuned.