Improving Your Health and Life Insurance Rating
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Life Insurance for Diabetics
The Centers for Disease Control and Prevention estimate that roughly 29 million Americans suffer from diabetes.
This means that 9.3% of the population could have a difficult time obtaining affordable life insurance. Unfortunately, the health risks associated with diabetes – particularly type 2 diabetes – make diabetics high risks for insurance carriers.
The good news is that if you are one of the 29 million Americans living with diabetes you have plenty of insurance options!
By taking a few simple steps to manage your diabetes, you can make a huge difference in your life insurance, whether you are trying to earn a re-rating or you are a first-time policy buyer.
Diet & Nutrition to Improve Health Rating
A diabetes meal plan can help you obtain favourable life insurance rates. In fact, dietary changes are some of the easiest way to earn better insurance ratings!
Healthy food choices such as lean meat, whole grain and plenty of vegetables can also help you manage your diabetes, as well as incorporating foods with less sodium, low fat and plenty of fiber.
Eliminating or limiting processed foods and foods that are high in sugar – including soda and juice – can also help you manage your diabetes.
Manage Weight to Improve Life Insurance Rating
Getting 30-60 minutes of exercise in a day is one of the easiest ways to manage your weight, diabetes and improve your life insurance rating!
Because your blood sugar levels will be reflected in your medical exam, lowering these levels and communicating any changes in these levels to your agent and underwriter can help you earn better premiums!
Mental Health & Life Insurance
As with any disease, diabetes can take a mental toll.
Heart disease, high blood pressure and high cholesterol can leave you feeling less than your best and may cause depression. Speaking to a mental health professional can help you feel better.
Cigar, Pipe & Chewing Tobacco
As you already know, smoking is one of the biggest red flags to insurers Whether you are a diabetic or not; you will always obtain better coverage at better rates if you quit smoking. Smokers typically pay higher rates than non-smokers. When you fully quit smoking and there is no nicotine in your system for more than 6 to 8 months or longer, you can reapply for a better life insurance rating.
Underwriting Physical Health for Life Insurance
Diet, exercise and stress management can all help you obtain better insurance rates and improve your health. However, you should also be taking care of other aspects of your health.
For example, if you need medicine to lower your cholesterol or aspirin to prevent a heart attack you should be taking them as prescribed by your physician.
You should be reporting any side effects or changes in your health to your physician, and adjusting your medications or doses accordingly.
Your health Is Important
The bottom line is that the importance of monitoring your health and changes in your health – particularly if you have diabetes – goes beyond obtaining favourable insurance ratings.
Obviously, the longer your life expectancy, the better your insurance ratings and premiums will be; however, you should be managing your diabetes to ensure that you will be around for a long time.
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