Category Archives: Type 1 Diabetes

type 1 diabetes life insurance, juvenile diabetes life insuranceAs a mother to a child with type 1 diabetes, I know how frustrating and upsetting it can be to venture into the insurance landscape and see the barrier for having this form of diabetes.

I have personally been through the experience of shopping for life insurance coverage for my son and receiving an automatic decline as soon as it was disclosed that he was type 1 diabetic.

The way underwriters view type 1 diabetes is different than type 2. There are a few reasons for this. If you have type 1, it is highly likely that you were diagnosed at a younger age, which is why it is also called juvenile diabetes. Underwriters view it as more risky because the longer you’ve have diabetes, the longer time high blood sugars have been able to have an effect on your overall system (mainly your vascular system).

Luckily, the insurance market has changed a great deal in the last several years. My son was diagnosed with juvenile diabetes at age two. He is now seven years old. With the advent of better medications and technological advances to help with blood sugar, a better understanding of the long-term effects of diabetes, and refined underwriting standards, there are more and more life insurance policy options available for type 1 diabetics.

Read through some of the articles below to learn more about how to obtain the most affordable life insurance rate if you have type 1 diabetes or you can get a free quote now from multiple companies using our quote engine.

Why Underwriters View Diabetics As High Risk

Why Underwriters View Diabetics As High Risk

When you apply for life insurance coverage, the insurance agents are going to look at a variety of different factors to determine how much of a risk you are to insure. The more risk that you are, the more they are going to charge you for insurance coverage. If you’re too great of a risk, then the company could decline your application.

Life insurance underwriters are employed to assess the risk that you pose to a company. “Risk” means the likelihood that your policy will have to pay out, and since diabetics have a much higher chance of developing long-term health complications, like heart disease, neuropathy, and kidney failure, insurance underwriters automatically label your application as risky. Continue Reading

Life Insurance for Insulin Dependent Diabetics

Any with diabetes know that the disease can completely change your life. Diabetes can change just about every part of your life, and life insurance is no exception. If you’re an applicant that is looking to get quality and affordable life insurance protection, there are dozens of different factors that you’ll need to consider when… Continue Reading

Take Charge of your Diabetes

Living with Diabetes?  When you were first diagnosed with Diabetes, or maybe Pre Diabetic you probably didn’t have a clue what it was.  You might have thought you were eating too much sugar maybe?   Or perhaps you thought you would never enjoy your favorite chocolate or candy again?  But now living with Diabetes has become… Continue Reading