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Life Insurance and Diabetes FAQs Search  

What is the most common reason a diabetic is declined coverage?
by life4diabetes on 

There are two.  Lack of control and applying to the wrong carrier.  Both issues can be avoided with the right agent.

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If there are so many solutions out there, why as I declined last year?
by life4diabetes on 

Your agent might have unknowingly submitted your case to a Carrier that doesn't take diabetics or applied for a case that you did not qualify for health-wise.  We have very few declines because we know what is likely to issue before we ever send it in.
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I have life insurance already, why should I talk to you?
by life4diabetes on 

Because of widespread misconceptions in products and agent understanding, you may be paying more than you could or should be.  We know where the best rates are and can quickly tell you whether the policy you have is a good deal compared to what we can do for you.
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I was recently told that cannot get coverage because I have diabetes.
by life4diabetes on 

You were told wrong.  This is pretty common.  the person who told you that was probably trained that way.  They may not know any better.
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Do your policies have a 2-year waiting period?
by life4diabetes on 

In most cases, NO.  2-year waiting periods apply to policies that are graded, modified or guaranteed issue.  While we do offer those policies, the vast majority of what we offer does not require a 2-year wait.
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Are these guaranteed issue policies?
by life4diabetes on 
In most cases, NO. Most diabetics qualify for an immediate death benefit. We offer guaranteed issue products for clients with severe health issues but, happily, we donít have to resort to them very often.

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I heard that I cannot get life coverage since I take insulin. Is this true?
by life4diabetes on 

No!  This is a common misconception.  Insulin use will not disqualify you in getting coverage.

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