We work with the best life insurance companies in the U.S. and also with the best no medical exam companies. Our job is to provide our clients with the knowledge and guidance to obtain the lowest price on life insurance with type 1 diabetes. Call us today.
Type 1 Diabetes and Life Insurance
If you have type 1 diabetes please realize that you can certainly qualify for high risk life insurance. The main points of concern a life insurance carrier will have with an applicant applying for life insurance with type 1 diabetes is: have they been hospitalized due to diabetes and/or does the applicant have any side effects caused by diabetes, such as neuropathy, retinopathy or kidney disease.
If you can answer no to those questions, then congratulations, you have an excellent shot at being approved for affordable life insurance for type 1 diabetics.
Some additional questions an underwriter will look into for clients looking to buy life insurance with type 1 diabetes are:
- What is your A1C level?
- What is a typical fasting blood sugar level?
- What medication(s) are you taking?
- How often you see your physician?
- What age were you diagnosed?
- Any complications such as retinopathy, neuropathy, or kidney disease?
Keeping your A1C in check is necessary for a type 1 diabetic to get life insurance. Your A1C is a snapshot of your blood sugar over the last 60 to 90 days. Therefore, controlling your daily blood sugar levels is mandatory. Ideally, you want your blood sugar levels to be 140 and below and your A1C to be 7 and below.
Obviously, if you are a type 1 diabetic you take insulin. However, are you taking any additional medications, such as blood pressure or cholesterol medication? If you are it might hurt your chances of getting the best rate class on life insurance for type1 diabetes.
How often you see your physician simply shows the life insurance underwriter how diligent you are in keeping your diabetes under control. Seeing the doctor every 3-6 months is a good thing and shows the underwriter you are taking care of yourself.
Age of diagnosis matters because the longer you have been battling type 1 diabetes, the longer your body has had to work. The longer your body has had to work means the disease may have taken a toll on you.
Any complications for clients looking to buy life insurance with type 1 diabetes such as retinopathy, neuropathy, or kidney disease and you should probably consider burial life insurance from the top burial insurance and final expense insurance companies.
In the end, you can be approved for affordable life insurance with type 1 diabetes. You simply need to know where to look to find the most type 1 diabetes friendly life insurance carriers available. Be cautious because some carriers will decline you outright so it is imperative that you contact a licensed professional at TermLife2Go to make sure you are going with the best company. The last thing you want it to be declined for life insurance due to diabetes because the agency you applied with placed you with the wrong carrier.
For more on how we go the extra mile for our clients, please see our article on life insurance with pre-existing conditions.
You may also benefit from our article on qualifying for life insurance with type 2 diabetes.
The key to getting life insurance with type 1 diabetes is applying with the most type 1 diabetes friendly carrier out there. That is where we come in. We will guide you to the best company at the best price based on your specific health profile.
We are a group of seasoned life insurance professionals. We do not have quotas to fill. Therefore, we can take the time to find you the best type of life insurance policy based on your unique need, health and lifestyle. If you are curious what your life insurance cost would be please give TermLife2Go a cal for a free consultation.
Thank you for reading our article, Type 1 Diabetes and Life Insurance. Please leave any questions or comments below.