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.
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.
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.
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.