Protecting Your Family With Life Insurance

When you are trying to get a life policy as a diabetic, the process can be tricky. Bad advice abounds, but if you follow some simple steps, you can almost always get coverage issued.

If you have no insurance now, be careful about taking a medical exam. Why? Because you need to get insurance in place for your family. Unless you know exactly what the nurse is going to find when testing your blood and urine, I’d avoid policies that require a paramed exam. You don’t want the paramed to be your first physical exam in 3 years. If they find something new in your health, it may ruin your chances for getting anything at all. Remember what you are trying to do. Everyone wants a good deal, but this is about your family and they need the coverage. You may need to take a bit less than you originally wanted, but it’s better than nothing isn’t it? Get a policy in place first and then shop later for better rates. Make sense?

So what do you do? Find an agent who specializes in life insurance for diabetics. They will know what...

more
How to Buy Life Insurance If You Are Diabetic

What you apply for and where you apply makes ALL the difference! Don’t take chances! Request A Quote from a Life4Diabetes specialist today!

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 condition. Are you taking your meds? Is you 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:

  1. A knowledgeable agent who understands the condition and how it affects the process of getting life coverage is an absolute MUST. This can be a challenge as the vast majority of agents are not trained to handle these cases. This is one of the main reasons so many cases are declined or postponed.
  2. Take care of yourself. You are on a treatment regimen….stay on it!
  3. Know when (and...
more

In most cases, NO. Two 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.

more

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

more

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 don’t have to resort to them very often.

more

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.

more

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.

more

Your agent might have unknowingly submitted your case to an insurance 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.

more

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

more