Life insurance is one of the most important purchases that you’ll ever make for your loved ones. It’s one of the only ways that you can ensure that your family has the protection that they need, regardless of what happens to you. When you shop for life insurance protection, the company is going to look at dozens of different factors to determine how much they are going to charge you for insurance protection. One of the biggest factors is your health and if you have any pre-existing conditions, like diabetes. If you’ve been diagnosed with diabetes, then you may assume that you can’t get affordable coverage, but that couldn’t be further from the truth.
Anyone living with diabetes can now educate themselves on all aspects of life insurance with diabetes. In addition we will provide you with articles, guides, and tips on obtaining the most suitable policy and the best rates. Finally you can also connect with independent agents who work with multiple companies that offer policies to diabetics.
Diabetes is a rapidly growing health concern in the United States, with millions diagnosed each year. It’s a frustrating and very expensive endeavor to find companies that will offer life insurance to diabetics. As a result of more and more people being diagnosed each year with diabetes, underwriters have been forced to take a closer look at this disease. Fortunately things have changed for the better in recent years. Especially with improved treatments, and an increased understanding of how to evaluate diabetes, people with diabetes life insurance options have grown tremendously.
This article is going to explore the different factors that you should know when you’re shopping for life insurance protection. It’s important that you get the perfect life insurance plan at an affordable rate. Hopefully, this post will answer any questions that you have about insurance plan.
How To Find Affordable Coverage
One of the most common reasons that people don’t buy life insurance is because they assume that it’s too expensive. In most cases, that couldn’t be further from the truth, even if you’ve been diagnosed with diabetes. There are several ways that you can trim down your insurance premiums and keep more money in your pocket.
One simple way to save one is to cut out any tobacco that you currently use. If you’re a smoker, then you’re at a much higher risk to have health complications, like cancer or cardiovascular problems. That means that you’re going to pose a much greater to the insurance company, and they are going to offset that by charging you higher rates every month. In fact, smokers are going to pay around twice as much for life insurance versus what a non-smoker is going to pay for the same sized plan. If you want to save thousands of dollars every year, it’s time to kick that bad habit once and for all.
Another simple way to save money is to improve your overall health. Before the insurance company approves your application, they are going to require that you take a medical exam. The results of the medical exam are going to play a major role in how much you pay for your coverage. The better your results, the better premiums that you’re going to get for your life insurance protection. Improving your health is going to save you money. Two of the best ways to do that are to stick to a healthy diet and get regular exercise. This will help you lose weight, lower your blood pressure, and reduce your risk of being diagnosed with other health complications. Another benefit is that it’s going to help you lower your A1C and manage your diabetes.
As a person with diabetes, there are several unique questions that the insurance agent is going to ask you when you’re going through the application process. Each of them is going to impact how much you pay for your life insurance protection.
The first question that they’re going to ask is which type of diabetes to do you have and the date that you were originally diagnosed with the condition. The longer that you’ve been diagnosed, the more chances are that you’re going to experience additional problems due to diabetes.
The next question that they’re going to ask is about your A1C levels and how you manage your condition. The more medications that you have to take, the more that they’re going to charge you for your life insurance. If you manage your condition with diet and exercise, you can get excellent premiums for your life insurance plan.
Whether you have Type 1 or Type 2 diabetes, you now have access to more affordable life insurance policies, thanks to sites that cater to this niche and connect consumers with companies that offer life insurance to those with diabetes. The Insurance4Diabetics.com website is one such resource.
Almost all people have the misunderstanding that because you have diabetes, you can’t qualify for a life insurance policy. Yet we regularly secure affordable life insurance for our clients that have Type 1, and Type 2 diabetes.
Every insurance company is different, which means that every company is going to have different medical underwriting and you’ll get drastically different rates depending on which company that you get the quote from. Some insurance companies have more experience working with applicants with diabetes, and those companies are going to offer you better rates for your coverage while others are going to charge you’re a fortune every month.
There are thousands and thousands of different companies on the market, which means that you could spend weeks and weeks calling agents to receive quotes. Instead of wasting all of that time, let one of our independent agents do all of the hard work for you. We are a group of independent insurance agents, which means that we don’t represent one single company. Instead, we work with dozens and dozens of different insurance companies and we can bring all of the best premiums directly to you.
Not only can our independent insurance agents help bring you the lowest rates, but we can also help you decide which type of policy is going to work best for you and your family. There are dozens of different types of life insurance plans that you can choose from. Each of them has different advantages and disadvantages that you’ll need to consider to ensure that you’re getting the best plan for you and your plan. It’s our mission to ensure that you’re getting the best insurance coverage at the lowest price.
Don’t Get Declined
Many diabetic life insurance agents just submit and hope for the best – not having any idea what will happen after the life insurance company takes a look at the application. Because doing this more often than not leads to a decline for life insurance coverage as a diabetic, and a hit to your MIB report. As a result, this could make it more difficult to secure coverage in the future.
The key to finding the best life insurance with diabetes is to find a company that will look more favorably at YOUR individual situation. There are several companies that underwrite Diabetic Clients, more favorably than all the others. Our job is to find the one best for you.
You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the insurance protection that your family deserves. If something tragic were to happen to you, your family would be left with a massive amount of debt and other final expenses. Losing a loved one is never easy, but being responsible for thousands and thousands of dollars of debt is going to make the situation that much worse. Your life insurance policy will ensure that your family has the money that they need, regardless of what happens to you.
If you still have questions about life insurance for applicants with diabetes, please contact one of our experienced agents today. We would be happy to answer those questions and connect you with the best insurance plan to meet your needs. We know that nobody wants to think about his or her death, but not planning for the inevitable is one of the worst mistakes that you can make.
Or give us a call today at 888-445-0132
www.Insurance4Diabetics.com was started by a life insurance agent with a personal understanding of how diabetes affects life insurance. Patricia Jordan is an agent and mom to a son with type 1 diabetes. Through her own struggle and frustration obtaining coverage for her son, she set out to create a resource for diabetics shopping for life insurance. You can now connect with independent agents in all fifty states.