Great, 24 Hr. LIfe Insurance Approvals for Januvia and Sitagliptin Users!

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Don’t miss our lists Comparing the Premier Life Insurance Companies and Comparing the Top No Exam Companies.

Typically, the only time we have folks wondering if their Januvia is going to affect their life insurance application is when, their Januvia is being used to treat what is often called “borderline” diabetic cases.

You see, for folks who have already been “officially” diagnosed with diabetes, the fact that this will be used in determining what rate class that they will qualify for during the application process isn’t really a big surprise.

However for those who have simply been told that they are “pre-diabetic”  or are “borderline” diabetic, the fact that their Januvia prescription will play a role in their life insurance application can become upsetting.

The problem is that…

In the world of life insurance, there really isn’t such a thing as a “borderline diabetic” or “Pre-diabetic” individual.  In the world of life insurance, you’re either a diabetic or you’re not.

So, if you’re doctor has prescribed you a medication to lower your blood sugar levels, the life insurance industry is going to consider you a diabetic.  This will also hold true for those who at one point needed medication to lower their blood sugar, but now no longer do (exception being gestational diabetes).

For life insurance purposes, once a diabetic, always a diabetic!

About Januvia:

Januvia (sitagliptin).  Januvia is an oral diabetes medicine that helps control blood sugar levels by regulating the levels of insulin your body produces after eating.  Januvia is prescribed for people with type 2 diabetes.

So let’s move on then…

If the insurance companies are always going to consider you a diabetic, the next step is to try to determine which life insurance company is going to offer you the best possible deal and to do that, we’ll need to ask a few questions first.

Common life insurance questions for diabetic applicants:

  • What is your current height and weight?
  • At what age where your first prescribed Januvia?
  • Is Januvia the only medication you’re currently taking to treat your elevated blood sugar levels?
  • Do you have any other pre-existing medical conditions?
  • Are you taking any additional prescription medications?
  • Do you test your blood sugar daily? And if so what are those values?
  • Do you know the value of your last A1C?
  • How often to you visit your primary care physician?
  • In the past 12 months have you used any tobacco or nicotine products?
  • Are you currently working now?
  • In the past 12 months have you applied for or received any form of disability benefits?
  • In the past 12 months have you been hospitalized for your diabetes?
  • In the past 12 months have you experienced any weight gain or loss over 10 lbs?
  • Have you experienced any nerve pain as a result of your diabetes?
  • Do you have any other pre-existing medical conditions?

Now as you can see, these questions are designed to determine the severity of your condition as well as to try to determine whether or not the insurance companies will want to order medical records from your primary care physician to learn more about your condition prior to making a decision.

It should be noted that…

Just because you’ve been diagnosed with diabetes doesn’t mean that you can’t still qualify for a great life insurance policy at a great rate.  In fact, assuming that your diabetes is well under control, it’s quite possible that you’ll even be able to qualify for a “Normal” or Standard rate.  You may even be able to qualify for one of the many “No medical Exam” life insurance options

that are suddenly becoming available for diabetic applicants.  It all comes down to whether or not you choose an agency that has both the experience and expertise to help you find what you’re looking for.

So what are you waiting for?  Give us a call at 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.