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.
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Are these guaranteed issue policies?
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...more
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...more