Yes you can. The rate will depend on age of onset and degree of control. You will probably pay a higher rate but you can get insurance. A good independent life insurance agent or broker can look at your individual situation and find a company that is affordable for you.
Certainly! With the increasing number of Diabetes diagnoses, insurance companies must offer more products to accommodate this disease if they want to compete in the marketplace. Of course, your premium (payment) will be higher than a person who hasn't been diagnosed because it could potentially be life threatening. The best thing to do is make sure your Diabetes is under control, whether you take medications or not. That is the key. Less control=higher premiums!
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Can you get life insurance if you have diabetes? Decades ago the answer was only "no". As treatment for diabetes has improved and the wide range of how well diabetic manage their condition the prospects have changed. Depending on your level of control the possibility of aquiring a policy have improved greatly.
Most people with diabetes can get life insurance, and if you have had a history of good control (low A1C's, no protein in urine, no neuropathy) you can get any type of medically underwritten policy at reasonable rates.
Even if you have had some recent periods of poor control or have some side effects of diabetes, there are policies available. This is true even with the combination of diabetes and heart disease, which used to be pretty much uninsurable.
There are a few groups who can have a difficult time finding coverage. Children with type 1 diabetes will most likely need to wait until they are adults to qualify for a policy. Persons under age 50 who have very serious side effects (amputation, kidney dialysis, blindness) may need to wait until they are older until they can get a guaranteed issue policy.
To get your most affordable diabetes life insurance rate, contact an agency that specializes in that and share your health details. There is something out there for nearly every person with diabetes, and by shopping with a broker who carries many options, you can lock in your lowest price based on your particular health details.
Absolutely you can. Luckily, life insurance companies have FINALLY begun looking at people with Diabetes and are providing fair solutions.
Type 1's, and Type 2's will have several options available to them. Term and permanent insurance options are available, and there would even be NON Medical exam type of options for you.
Speak with an educated agent, who can provide you multiple options.
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Even if you have had some recent periods of poor control or have some side effects of diabetes, there are policies available. This is true even with the combination of diabetes and heart disease, which used to be pretty much uninsurable.
There are a few groups who can have a difficult time finding coverage. Children with type 1 diabetes will most likely need to wait until they are adults to qualify for a policy. Persons under age 50 who have very serious side effects (amputation, kidney dialysis, blindness) may need to wait until they are older until they can get a guaranteed issue policy.
To get your most affordable diabetes life insurance rate, contact an agency that specializes in that and share your health details. There is something out there for nearly every person with diabetes, and by shopping with a broker who carries many options, you can lock in your lowest price based on your particular health details.
Type 1's, and Type 2's will have several options available to them. Term and permanent insurance options are available, and there would even be NON Medical exam type of options for you.
Speak with an educated agent, who can provide you multiple options.