If you have diabetes, finding affordable Life Insurance can be very frustrating. Many people simply think that Life Insurance is not available for diabetics and do not search for options. At Life Insurance with Jason, we have helped many diabetics secure low-cost affordable coverage. With advances in healthcare and medicine, Life Insurance companies are becoming more comfortable with offering diabetics affordable policies. For this reason, it is vital to work with an independent agency that knows which company is best for your individual situation.
Life Insurance for Diabetics – Information to Secure the Best Offer
In order for us to find you the most competitive Life Insurance policy, we will need you to provide us with the following:
- Type 1 or Type 2 Diabetes?
- Age Diagnosed?
- Current A1C Levels?
- Height and Weight?
- Medications and Dosage?
- Any Additional Issues (High Blood Pressure, Cardiovascular or Kidney Issues?
This information will allow us to shop over 40 A rated Life Insurance companies to secure you the best offer. Of the information requested above, the Type of diabetes is the most important to receiving a low rate. Type 2 diabetes with an A1C under 7.0 and controlled with oral medications routinely receive a Standard Plus rate. Type 1 diabetes is a little more difficult to determine. The age diagnosed and the amount of insulin needed plays a large part in deciding the premium amount. Most companies start Type 1 diabetics at a Sub-Standard Table 4 rating (Give us a call and we will explain Table Ratings). But please do not let this discourage you. We can still help you find a Life Insurance plan that fits within your budget.
Latest Diabetic Success Story!
I recently received a call from a 59 year old male who needed a $500,000 Term Life Policy to secure a loan for his business. He was diagnosed with Type 2 diabetes about seven years ago. This gentleman currently uses four oral medications to control his diabetes. His latest A1C reading was 7.8. Several companies were offering a policy with a small Sub-Standard rating. But one company was willing to offer a Standard Non Tobacco rate. This client was able to save over $1,000 per year in premiums!
Shopping for Life Insurance can be very confusing. Add in a diagnosis of diabetes and many clients simply do not know where to start. Give us a call and let us go to work for you. Our agents have over 50 years of combined experience in Life Insurance. We are confident in our ability to secure you the best rate for your family’s protection. Please feel free to complete our free quote form and we will call and get you started in the right direction.