Affordable Term Life
Insurance for Diabetics
Term Life Insurance for Diabetics
If you have a medical history of type 1 or type 2 diabetes, the good news is that obtaining affordable life insurance is easier than you may think.
If you have faced the frustration of high-risk life insurance rates or the fear of declines, you no longer have to worry! We review each of our client’s cases and will send documentation to underwriters informing them about health issues that would be seen in medical records.
Underwriters who review medical records to conduct a full report and determine a life insurance rating don’t always see the clients full picture. We’ll speak to them on your behalf and write a cover letter where we see it would be required or needed to obtain a life insurance policy.
How to Pass Your Life Insurance Medical Exam With Diabetes?
The first step to obtaining life insurance with diabetes is to pass a medical exam! If that makes you nervous, don’t worry! Life insurance medical exams are not as scary as you think – particularly if you are taking proactive measures to improve your health and manage your diabetes.
As long as you visit your primary care physician regulary and take the correct medication, underwriters will see that within your medical records. From those medical records they then determine if you’ll be able to qualify for life insurance and issue a rating based on your age and health. Underwriters follow guidelines and look for the most competitive coverage options for high risk clients, no matter if they have a high risk disease, are involved in a high risk hobby or have a career that is considered high risk!
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