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Life insurance and diabetes

by 08/22/2012

How does being a diabetic affect the purchasing of a life insurance policy? Great question, since there are over 25 million diabetics in America. Of these, 7 million do not know they have the disease. This is over 8% of the U.S population. In fact in 2010 alone, almost 2 million people ages 20 or older were diagnosed with diabetes. It is estimated that almost 80 million adults have “prediabetes”. Prediabetes is a condition where blood glucose levels are higher than normal but not high enough to be call diabetes. Studies have shown that by losing weight and increasing physical activity people can prevent or delay pre-diabetes from progressing to diabetes.

As a Senior Agent with AIM, I experience this weekly. It is an emotional proposition for people with diabetes when they apply for life insurance. I can relate to the emotional experience because I am a diabetic. I understand the process and know what an insurance company is looking for. I know what they like and don’t like. We need to talk about your A1C Level, your weight, age of diagnosis and how to properly prepare for the nurse’s home medical visit. These and other factors can affect your chances of securing a policy.

Once you have your policy in force, your rates will never go up as a result future health concerns. You can, however, apply to have any ratings reduced if your overall health improves. Having the right company and the right agent can make all the difference. In fact, it is an absolute must! I can’t promise a policy every time, but I guarantee that with the right information and an experienced agent, you will have the best opportunity to secure a life insurance policy. Your family will thank you for it.

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