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Diabetes And Life Insurance What You Need To Know?
By Christopher Beard
According to The American Diabetes Association There are approximately 24 million United States residence, or roughly 8% of the inhabitants, who have diabetes. The total dominance of diabetes increased 14% from 2005-2007.As much as 24% of people with diabetes have not been diagnosed. A total of Fifty Seven million people are pre-diabetics most who will become part of the adult onset group.
Diabetes is a serious sugar metabolizing disease that leaves insulin in the system unable to be properly processed by the body. There is a serious correlation between diabetes, blood pressure control, cholesterol control and the leading to coronary heart disease, renal failure and stroke. Certainly not everyone can control whether they become a diabetic but many can avoid the adult onset version and can also take precautions to prevent further detrimental affects on their health once diagnosed
What types of diabetes are there?
Type 1 – Typically a result of the body being unable to produce enough insulin and usually is a disease that starts early in life and must be treated with insulin injections and lifetime management.
Type 2- Diabetes type two is unfortunate and usually develops later in life due to insulin insensitivity, meaning the body can no longer process the insulin sometimes the effects can be reversed through diet, proper weight management and consistent exercise others may be required to take oral medications to manage the diabetes.
How Do Companies View Diabetes?
While Type-1 diabetics may have difficulty find life especially of they have already experienced other health issues that can affect their mortality there may be options available such as whole life or universal life plans that are not medically underwritten. Type-2
diabetics have more possibilities if they have taken care to properly manage the blood sugar, blood pressure and HDL’s and LDL’s the progression of the disease’ affects on the heart and mortality rate can be greatly diminished.
Can You Get Life coverage?
When an carrier is trying to determine a health risk assessment they will ask more detailed questions about the specific health condition, such as when the disease onset occurred, and how you are managing the condition whether through insulin injections, oral medications or diet and exercise. Health issues such as these will definitely result in a rating below standard for a type 2 diabetic insured and below standard rating at best for insulin using diabetics. The underwriters will be looking for more detailed information to determine if you are already experiencing other issues that affect your overall health and longevity. Have you experienced any cardiovascular troubles, kidney function, numbness or tingling of extremities resulting from poor circulation? If so and your using insulin and have other medical issues you may opt for non medical whole life insurance. If you have type 2 and it is under good control with little other negative implications you may qualify for standard rates if your blood sugar is found within normal ranges. If you are unable to determine where you may stand speak with an agent/broker who represents many companies as they can usually identify which carrier may take you since they are familiar with underwriting guidelines additionally they can provide you a preliminary application which can be invaluable to determine your specific conditions and how you may obtain coverage and what the rates would be prior to application
Christopher Beard is a life insurance agent who uses automation to simplify the consumer buying experience He is the president of Trinity 1 Financial Group and works with clients planning mortgages, investments and insurance strategies
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