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Life Insurance and Type 2 Diabetes

Admin — Sun, 07 Mar 2010 00:16:40 +0000

Life Insurance and Type 2 Diabetes – If you have type 2 diabetes and are looking for life insurance it will depend on several factors. The main factors insurance companies look at when underwriting life insurance and type 2 diabetes are:

A1C – This is a blood test that measures your average blood sugar level over the last 90 days. Anything over a 6.0 and you are considered to have diabetes. The lower the number the better.
Age of diagnosis. The older you are when diagnosed with diabetes the less of an impact it will have on you life inusurance premium.
Medications taken are always looked at by underwriters. This will give them a clue as to how sever the diabetes is.
Height and weight. Type 2 diabetics are often overweight. Type 2 diabetes is often brought on by overeating and being overweight, but not always.
Complications such as neuropathy, retinopathy or diabetic comas.

If you have type 2 diabetes and you would like a life insurance quote please call 1-888-950-8376 (TERM).

Life Insurance and Diabetes

Admin — Mon, 15 Feb 2010 02:03:42 +0000

Life insurance and diabetes, what do you need to know? If you are looking for life insurance and you have diabetes, there is some specific information that the insurance companies will be looking at when deciding how to rate your policy. Here is a list of things that you will need to let your broker know:

Age at diagnosis
Type 1 or Type 2 diabetes
Your height and weight
Your medications
Your A1C – the lower the better
Any history of complications such as neuropathy, retinopathy, diabetic coma, etc.
Do you have any other medical conditions?

If you would like a life insurance quote, please call us at 1-888-950-TERM (8376). You can also get your own instant life insurance quotes online here.

Life Insurance and Depression

Admin — Mon, 15 Feb 2010 01:22:18 +0000

If you are looking for life insurance with depression, it is important that your broker pre-qualifies your life insurance quote before you submit a formal life insurance application. You need to tell your broker everything about your depression and your life insurance broker should send an email out to several different insurance companies with a summary of your case. Once you have replies from all of the different companies underwriters, you can keep a copy of the best offer and submit it with your formal life insurance application.

We work with all of the non-captive life insurance companies in the united states of america. If you are looking for life insurance with depression we can help you. Call us today at 1-888-950-TERM (8376). If you would like to run some instant online life insurance quotes CLICK HERE.

Life Insurance Breast Cancer

Admin — Wed, 12 Aug 2009 02:43:02 +0000

If you are a survivor of breast cancer, you may think that you are not insurable. Life insurance companies are underwriting breast cancer more and more favarobly as time goes on. Many carriers are now considering women with a history of breast cancer at standard insurance rates. Some of the factors they will be looking at are: the stage and grade of the cancer, whether or not there was any metastisis, age at diagnosis, if there was any recurrence and how the cancer was treated. If you would like to know how you wil be rated, just shoot us an email at info@insuranceglobe.net or call toll free 1-888-950-8376. We will shop your case to all available carriers to get you the most competitive life insurance quotes.

Life Insurance Quotes for Prostate Cancer Survivors

Admin — Sun, 17 May 2009 15:31:07 +0000

Here is the information insurance companies will need in order to underwrite you for Prostate Cancer:

1. Age at diagnosis
2. PSA level – Companies need to know both Pre-treatment and Post-treatment PSA levels.
3. Stage – what stage was the cancer? A1,A2, B1,B2,C1,C2
4. Gleason Grade – What was the Gleason grade?
5. Treatment – Was your cancer treated with radiation, watch and wait, or radical prostatectomy?

What to expect from life insurance companies:

Most companies will postpone you for a minimum of 1 year from the date of final treatment.

Life insurance companies consider the most ideal clients for coverage to be those who were diagnosed after the age of 60, the PSA level was less than 20, the Gleason grade was less than 6, and the stage of cancer was either stage 1 or stage 2 meaning that the cancer was confined to the prostate, and lastly that the treatment was a radical prostatectomy.
If the treatment was by radiation seeds, the postpone period after completion of treatment may be much longer.
Call us today to get your free life insurance quotes at Toll Free (800) 950-TERM

Life Insurance For Diabetics

Admin — Tue, 31 Mar 2009 03:09:46 +0000

Many diabetics believe that they are uninsurable and many insurance agents believe this to be the case as well. However, this is not always true. If you are a diabetic, it is imperative that work with a broker that will take your information regarding your diabetes and shop it with as many insurance companies as possible. I have worked on hundreds of diabetes cases and have witnessed first hand how greatly underwriting decisions can vary among carriers. Keeping this in mind, here is the information you must provide your broker for he or she to be able to provide you with an accurate quotation:

1) Date of diagnosis.

2) How often do you visit your physician

3) How is your diabetes controlled? Diet alone, oral medication or insulin?

4) Are you on any other medications?

5) Please give your most recent blood sugar reading

6) Do you monitor your own sugar?

7) What is your most recent glycohemoglobin (HbA1C) level?

Do you have any of the following: chest pain, elevated lipids, kidney disease, black out spells, hypertension, overweight, protein in the urine, neuropathy, retinopathy, abnormal ECG

9) Have you smoked cigarettes in the last 12 months?

10) Do you have any other major health problems

If you would like to see what rate class you will qualify for, please call us at 1-888-950-8376 or email us at info@insuranceglobe.net.