Life4Diabetes is a nationwide life insurance agency that specializes in helping diabetics get life insurance. We understand what the life insurance underwriters are looking for and we know which companies to submit to so you get a good rate and have the best opportunity to get a policy issued.
In short, we can save you time!
Unfortunately, many insurance agents in this country are not properly trained to help diabetics who want life insurance. So, with an untrained agent, this process might become a game of chance, and that is exactly what you don't want. A policy might be submitted and come back rated far above what was originally presented or the policy might be declined altogether! While we cannot promise success every time, we are very good at what we do and able to provide you with information about the underwriting process, what to expect, what we are concerned with that might affect the process, what type of policy you should apply for, whether or not to take a medical exam in conjunction with the policy, and premium quotes that you can reasonably count on being accurate*. Our goal is to get a policy issued. Period.
Get the facts about diabetes in the U.S.
There are currently 30.3 million with diabetes (9.4% of the U.S. population)
23.1 million people currently diagnosed.
23.8% of people with diabetes are undiagnosed.
As a person with diabetes, you have more options than you might realize. Buying life insurance as a diabetic depends on several factors. The main factor depends entirely on you: CONTROL of your condition. Are you taking your prescribed medicines? Is your A1C reading in acceptable range? If the answer is yes, then congratulations, you have several options! If no, you still have options, just not as many. How and where you apply is key.
When buying life insurance with diabetes, you MUST do the following:
A knowledgeable agent who understands the condition and how it affects the process of getting life insurance coverage is an absolute MUST. This can be a challenge as the vast majority of insurance agents are not trained to handle these cases. This is one of the main reasons so many cases are declined or postponed.
Take care of yourself. You are on a treatment regimen….stay on it!