Life Insurance and Type 2 Diabetes
Mar 7, 2010 Impaired Risk Life Insurance, Life Insurance Quotes
Life Insurance and Type 2 Diabetes – If you have type 2 diabetes and are looking for life insurance your health class will depend on several factors. The main factors life 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 your life inusurance premiums.
- Medications taken are always looked at by life insurance underwriters. This will give them a clue as to how severe your 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 will have a negative impact on your life insurance health class.
What we do for clients who are looking for life insurance and have type 2 diabetes, is get all of this information and send it to all of the life insurance companies in an email. This is called a quick quote. The life insurance underwriters will then respond with a tentative offer based on the information provided. We will then run life insurance quotes based on the offers that come back and advise our clients on which company to apply to. Even though all of the companies will be looking at the same information you can get a wide range of offers. If you are someone who is looking for life insurance and you have been diagnosed with diabetes give us a call and we can help you shop your life insurance to get the best deal possible.
If you have type 2 diabetes and you would like a life insurance quote please call 1-888-950-8376 (TERM).
Tags: life insurance and type 2 diabetes, life insurance quote
