When we get a quote request from someone who is currently using Avandia to treat their type two diabetes, the first thing that we’ll typically try to do is determine how well your diabetes is being managed. The best way that we’ve found to do this really quickly is to simply ask 2 questions right off the bat.
- Do you test your blood sugar levels daily?
- And what was the value of your last A1C test?
How one responds to these two questions will tell us a lot about how well they their “diabetes” and how well they are managing their condition for the most part.
****Note of Caution****
There are those few and far between exceptions where the individual’s blood sugar is so well managed that they really don’t bother with looking at their daily blood sugar levels and because their condition is so well under control, their doctor doesn’t really discuss their A1C levels with them anymore.
That being said, if you’ve been diagnosed with diabetes, the insurance companies are going to want to know what your daily blood sugar levels are and A1C levels.
Avandia (Rosiglitazone Maleate) is an oral diabetes medication that helps control blood sugar levels. Avandia is prescribed for people that have been diagnosed with Type 2 diabetes, it is not intended to treat type 1 diabetes.
About Type 2 Diabetes:
Type 2 Diabetes or adult-onset diabetes is a metabolic disorder that is characterized by high blood glucose in the context of insulin resistance and relative insulin deficiency. This is in contrast to diabetes mellitus type 1, in which there is an absolute insulin deficiency due to destruction of islet cells in the pancreas. Type 2 diabetes makes up about 90% of diabetic cases.
As a general rule of thumb, folks with type 2 diabetes will generally find it much easier to get insured than those with type 1 diabets.
Additionally, diabetic life insurance applicants will typically need to answer a host of questions designed to determine whether or not you’ll eligible for a fully underwritten term or whole life insurance policy. The questions will also be used to determine “if eligible” what rate class you may or may not qualify for.
Such questions may include:
- How old were you when you were first diagnosed with type 2 diabetes?
- How long has it been since you were originally diagnosed?
- How often to you see your primary doctor?
- Do you check your blood sugar on a daily basis?
- When was the last time you had an A1C test preformed?
- What was your last A1C level?
- What is your current and height and weight?
- Is Avandia the only prescription diabetic medication that you are using?
- Have you changed prescriptions to treat your diabetes within the last 12 months?
- Do you have any other pre-existing conditions?
- Are you currently taking any other prescription medications?
- Do you suffer from any symptoms such as nerve pain as result of your diabetes?
- Are you currently working?
- In the past 12 months have you applied for or received any form of disability benefits?
- In the past 12 months have you used any form of tobacco or nicotine products?
As you can see, as a diabetic you’ll be asked quite a few additional questions that a non-diabetic applicant may be asked, but that does not mean that you won’t necessarily be eligible for many of the same life insurance policies as a non-diabetic.
In fact, provided you know where to look, well controlled diabetic applicants have an excellent chance of getting a Standard or better rate and can even qualify for a No Medical Exam term life insurance option should they choose to simply avoid taking a medical exam!
Which brings us to who we are and what we do, you see here at TermLife2Go…
We operate as an independent life insurance brokerage, that is free to pick and choose between dozens of different life insurance companies in an effort to find you the best possible life insurance policy out there!
Which means that, when it comes to placing those “Higher Risk” applicants such as those with type 2 diabetes, we’re able to “shop” your application with several different life insurance companies if need be so that we don’t have to settle on just any life insurance approval, we can strive for the Best life insurance approval!
So what are you waiting for? Give us ca call today and see 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.
And since we still have your attention…
It’s fair to say that most people who decide to purchase a life insurance policy do so that they can protect their loved one’s financial future in the event of their death.
But what happens if you get sick but don’t die?
Is your family’s financial future still protected? Probably not. Which is why we would encourage you to also take a look at the following articles which will discuss some other “types” of life insurance policies that can not only protect your family’s financial future, they could also significantly help our your own as well.