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Persons with diabetes can purchase life insurance policies from reputable companies. It is likely that the policies will be "rated," which means that a higher premium will be charged to offset the higher risk.
If the condition is insulin-dependent diabetes, it will present a bigger challenge and higher rates, especially if other conditions are present.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Yes, some people with diabetes can now get life insurance. When I started 25 years ago, diabetes was an automatic decline. As time has gone by, insurance companies have discovered the wide range of people within the class of diabetics. Some are very healthy and have good control of their blood sugars. Others may lack any control over their blood sugars. Most agents ask to pre underwrite diabetics to get underwriters to review on a individual basis, so no blanket declines anymore. If you're a diabetic with good control, chances are you can find a fairly priced product from several carriers. If your control is OK, you'll find something as well. Price may be more than you thought but you can get coverage instead of a "no".
People with diabetes can get life insurance, and if they have a history of good diabetic control, they can get any type of policy that they want.
If A1C's run over 9 or there is significant neuropathy or kidney damage, there are simplified policies available to them that may or may not be graded.
To get the most affordable diabetic life insurance rate, contact a specialist in diabetes life insurance and share all the information that you are asked. With the right guidance, you can get placed with the right product from the start and not have to go through needless frustration or declines.
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If the condition is insulin-dependent diabetes, it will present a bigger challenge and higher rates, especially if other conditions are present.
If A1C's run over 9 or there is significant neuropathy or kidney damage, there are simplified policies available to them that may or may not be graded.
To get the most affordable diabetic life insurance rate, contact a specialist in diabetes life insurance and share all the information that you are asked. With the right guidance, you can get placed with the right product from the start and not have to go through needless frustration or declines.