Curious? Please read on.
Do you have diabetes or know someone who does?
If you live in the United States then chances are you have diabetes or know someone who has diabetes. More and more people are being diagnosed with diabetes. The disease has become an epidemic in this country.
Consider the following information from the National Diabetes Educational Program:
- 25.8 million Americans have diabetes — 8.3 percent of the U.S. population. Of these, 7 million do not know they have the disease.
- In 2010, about 1.9 million people ages 20 or older were diagnosed with diabetes.
- The number of people diagnosed with diabetes has risen from 1.5 million in 1958 to 18.8 million in 2010, an increase of epidemic proportions.
- It is estimated that 79 million adults aged 20 and older have prediabetes.
As a life insurance agency, we believe it is our job to stay on top of current health trends and to be aware of possible cures and preventative measures. This allows us to be better equipped to help our clients. In our research we came across an article citing the importance of magnesium.
According to the article, Magnesium, the Mineral You Can’t Afford To Neglect, People newly diagnosed with diabetes are 10 times more likely to have low blood levels of magnesium than healthy people.
It naturally follows that if someone wants to take preventative measures to help prevent or delay diabetes then a diet rich in magnesium should be pursued. Therefore, we have included a list of the top five foods high in magnesium.
The top five foods high in magnesium
- Dark leafy greens (spinach, kale, chard)
- Nuts and seeds (pumpkin seeds, sesame seeds, almonds)
- Beans and lentils
- Whole grains
You can view the full list here.
Other health benefits of Magnesium
More on Magnesium:
“Magnesium is an essential mineral required by the body for maintaining normal muscle and nerve function, keeping a healthy immune system, maintaining heart rhythm, and building strong bones. Magnesium is also involved in at least 300 biochemical reactions in the body. A deficiency in magnesium can lead to muscle spasms, cardiovascular disease, diabetes, high blood pressure, anxiety disorders, migraines, osteoporosis, and cerebral infarction.”
It appears that magnesium is a very important part of one’s diet. If you have a family history of diabetes or you are concerned about becoming diabetic, you might want to consider adding magnesium to your diet today.
Many clients will wait for life insurance
Upon learning new information about life insurance guidelines many clients will decide to wait for life insurance until they get healthier or reach a desired build (height to weight ratio).
The problem with this way of thinking is that you will never be younger than you are today. Age is a huge factor with life insurance.
The best choice is to lock into life insurance today and then reapply for another policy down the road. You can always reapply and cancel your old policy. The life insurance carrier cannot cancel on you but you always have the option of cancelling with no penalties.
“I think I might have diabetes or prediabetes.”
If you are currently shopping for life insurance and believe you may have undiagnosed diabetes or prediabetes, you should consider a different route to obtaining life insurance then the typical term life insurance policy.
So you may be asking, “What should I do if I am concerned about having an undiagnosed health issue?”
That’s easy, go with a term life insurance policy that does not require a medical exam. Once that policy has been secured, and your family is protected, if you still want to look for additional coverage, go for it. This way, if you encounter any surprises during your physical it won’t matter because you already have coverage elsewhere.
Here is the scenario:
Apply for a no medical term life insurance policy. The advantage is, there is no blood draw or urine sample. If you have not been previously diagnosed with diabetes or other health issue that shows up in blood work (such as high cholesterol or high blood pressure) the underwriter of a no medical exam will have to go off of your available medical records.
Next, once you secure your life insurance with a no medical exam term life insurance policy, you can apply for a medical exam policy. The reason for applying again is that a medical exam policy typically costs less. So you take the exam and if everything checks out then you simply take the new policy and cancel the old one.
But if the rate class on the medical exam policy comes back different than applied for you can always turn down the offer and keep the no medical exam policy you already have in place.
So what are you waiting for? Just give us a call at to see just what we can do for you.
See also, Ever wonder why life insurance carriers are so concerned about diabetes?
For information on the most common prescribed medications please visit our article, “Does Your Agent Think Like a Pharmacist?”
For a list of pre-existing conditions please visit our “Disease” page.