Terrific 24 Hour Life Insurance Approvals for Glipizide XL Users!

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You may also want to read our articles Best Life Insurance for Diabetics and Top 10 Easiest to Get Life Insurance Policies.

Whenever we have a client tell us that they are currently using Glipizide XL to treat their type 2 diabetes, it immediately gets us thinking about two things.  Frist will this client be eligible for a traditional term life insurance policy, and second is their diabetes managed well enough that they may actually even qualify for a “No Medical Exam” term or whole life insurance option?

About Glipizide XL:

Glipizide XL is an oral diabetes medicine used to treat type 2 diabetes, that works by helping the body control blood sugar levels.  Now to know which insurance carrier will provide the best option for clients taking Glipizide XL, it’s important to understand the medical condition that is being treated.

Type 2 Diabetes or adult-onset 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.

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) and 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, a careful examination of each individual’s health history is needed to be made prior to submitting one’s applications so that we can get an accurate idea on how well your type 2 diabetes is being managed.

Common questions asked pertaining to the management of an applicant’s diabetes:

  • At what age were you first diagnosed with type 2 diabetes?
  • What is your current height and weight?
  • How long have you been taking Glipizide XL?
  • Is Glipizide XL the only medication you’re using to treat your type 2 diabetes?
  • Do you have any other pre-existing medical conditions?
  • Are you taking any other prescription medications other than Glipizide XL?
  • Do you check your blood sugar levels daily?
  • What’s a typical daily blood sugar average?
  • When was the last time you had an A1C test?
  • What was the value of your last A1C?
  • How often do you visit your primary care physician?
  • In the past 12 months, have you used any tobacco or nicotine products?

Now depending on how you answer these questions, we here at TermLife2Go will get a pretty good idea on whether or not you’ll currently be eligible for a traditional life insurance policy as well as if you’ll likely qualify for a more “strict” no medical exam term life insurance policy.

More “strict”…

When we talk about the opportunity of applying for a “no medical exam” term life insurance policy for those who have type 2 diabetes, we need to make clear that these types of policies are really reserved for those with really well controlled diabetes.

For those with elevated A1C values or a higher than idea body mass index, you’ll generally find that applying for a life insurance policy that will require a medical exam will often times be a much better idea in that not only will you have a much better chance of being approved, in most cases, the rate that you’ll be required to pay will be much lower!

About TermLife2Go.

We here at TermLife2Go have chosen to remain and independent life insurance brokerage that is able to work with dozens of highly rated life insurance companies which means that should you choose to apply for life insurance using our services, not only will you have access to dozens of different life insurance companies, you’ll also have your own help life insurance agent guiding you through the entire application process!

So what are you waiting for?  Give us a 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.