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Great LIfe Insurance Rates For Actoplus Met Users!

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You may also want to read our article Life Insurance with type 2 Diabetes: 24 hour Approval.


Usually when a client of ours finds themselves reading this article it’s because they’ve recently been prescribed Actoplus Met and now they’re wondering if this is going to have a negative effect on their life insurance application.

Short answer:  Yes, it will have an effect on your term or whole life insurance application.

But now you need to ask, what effect will that be.  You see, if you’ve been prescribed Actoplus Met by your doctor, its most likely because you doctor feels that your blood sugar levels are elevated enough for you too need medication to help regulate that.

Which means theoretically, the Actoplus Met will lower your blood sugar and thus allow you to qualify for life insurance, after all qualifying for life insurance while taking Actoplus Met is a much better alternative than being denied life insurance because you blood sugar is way to high.

So let’s take a look at Actoplus Met:

Actoplus Met contains a combination of metformin and pioglitazone, two oral diabetes medications that help control blood sugar levels, and is used with patients that have been diagnosed with Type 2 diabetes and who do not use daily insulin injection.  Actoplus Met is not used for treating Type 1 diabetes.

Now as those who suffer from Type 2 diabetes know, there are many variations of symptoms from one case to the next.  Mild cases may only see polyuria (frequent urination) or polydipsia (increased thirst) or even polyphagia (increased hunger) while more severe cases can lead to an increased risk of cardiovascular disease, stroke, blindness and/or  kidney failure.

This is why, it’s so important that you work with an agent that understands that a careful examination of each individual’s health history is needed to be made prior to submitting ones applications to any potential life insurance carrier.

At this point, it’s also probably important to explain how the process of applying for life insurance works.  In most cases, what will happen is:

  • A client will call in requesting that they wish to purchase a certain amount of life insurance for a certain amount of time (term insurance vs whole life).
  • From there the agent will generally ask a few questions to determine ones basic health and ask additional questions as needed.
    • Common additional questions for a diabetic client would include:
      • What medications do you use to treat your diabetes?
        • Oral meds vs injectable.
      • What is your current A1C?
      • Do you monitor your blood sugar daily?
      • Are you a current tobacco or nicotine user?
  • Then depending on what insurance carriers are available for your agent to recommend, he or she will typically discuss which company they “feel” will be best suited for you.
    • Now if you call an insurance company directly, guess what? They’re most likely going to recommend “their” company as the best… Makes sense, right!

This is where working with an agency like TermLife2Go makes all the sense in the world!

You see…

We here at TermLife2Go aren’t owned or operated by a life insurance company.  Instead, we’re an independent brokerage free to work with dozens of different life insurance companies each with their own unique niche within the life insurance industry.

For this reason, not only are we able to work with some of the best life insurance companies when it comes time to placing client who have been diagnosed with diabetes, we’re also often times able to place those clients with a No Medical Exam term life insurance option.

Meaning…

That in addition to getting a great deal on your life insurance, you also didn’t need to get poked with a needle or wait 3-6 weeks to find out if you’re approved!

So what are you waiting for?  Just give us a call and see just what we can do for you!

Lastly, because well controlled diabetes can possibly qualify for a traditional term or whole life insurance policy without having to take a medical exam, we would encourage you to take a look at our Life Insurance Quotes page that allows you to compare prices of policies that will require you to take a medical exam vs those that won’t.

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Our licensed professionals have over two decades worth of experience and will help you choose the best life insurance company for the lowest price based on your specific needs and lifestyle. Find out more about us here.