The #1 Resource for Diabetics! - Diabetics Life Insurance

Time 2020-12-09 11:04:05

Web Name: The #1 Resource for Diabetics! - Diabetics Life Insurance

WebSite: http://diabeticslifeinsurance.org

ID:128470

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Our content is free because we earn a commission when you click or make a purchase from links on our site. Learn more about how we make money.Welcome to DiabeticsLifeInsurance.org, the experts in handling all of your diabetic life insurance needs.If you ve had trouble getting life insurance due to your diabetes, you re in the right place!We ve successfully ensured hundreds of applicants with diabetes type 1 and type 2 whether they re taking insulin or not.What Makes Us Different?We are the ONLY Website on the internet offering quotes based on the following specific factors.Type of DiabetesHeight and WeightAverage Glucose ReadingTreatment(Click on any of the above links for more details about each factor.)You can see in our quote form above, that we provide quotes taking all of these factors above into consideration.There are other factors insurance companies consider, such as tobacco use and other health conditions, but as far as diabetes goes, these are the primary factors used in determining your health rating and premium.  We ll cover these as well as a few more in more detail below.How Much a Diabetic Will Pay for Life InsuranceIf you re new to the process of trying to qualify for life insurance with diabetes, let s review some of the main factors that will affect your pricing.In life insurance, the name of the game is going to the insurance company that will give you the best rating, and we know which companies are the most forgiving with diabetics.  This is why we are regularly able to save diabetics up to 73% on life insurance.Some of the factors that will affect your premium (in more detail) are:The type of diabetes you have, whether it s type one or type two typically better rates are available for type 2Your height and weight If you compound diabetes with obesity, you will definitely get no better than a sub-standard rating.  But if you re fit and just happen to have diabetes, better rates are available.Type of treatment We successfully insure diabetics on insulin or on oral meds, as long as they are taking their meds as recommended by their doctor.  In fact, the type of treatment is not nearly important as the fact that you are compliant with your physicians orders.How long ago you were diagnosed If you ve had diabetes for a long time (over 10 years), the chances that you ll have complications due to diabetes are higher and won t necessarily lead to a substandard rating, but make a Standard offer just a bit more unlikely.Complications If you ve had foot or eye complications, or any other circulatory or nerve problems, you will most likely be declined for traditional coverage, but you can probably get a graded life insurance plan.  Call 877-996-9383 for details.The age at which you were diagnosed If you were diagnosed over age 40, you have a great shot at Standard or possibly a bit better.  If you were diagnosed prior to age 40 you will most likely get a mild table rating, which means the premium will be a bit higher than the Standard rate.  If you were diagnosed over age 60, you re in great shape to actually be approved at better than Standard.  ING is one company who has been known to approve diabetes cases at Preferred in this situation with good control and absent of other health conditions.  Note, I m not saying they do this every time or in every situation, but they have approved many of our diabetics at Preferred!Your average glucose reading or A1c  This is the main factor.  If your diabetes is under good control (average reading around 130 or less), absent of other conditions and smoking, you usually can get Standard with most companies.  In terms of A1c, this should be below 7.5 for a Standard rating usually.Other Types of Insurance with DiabetesYou might be looking for medicare supplement plans with diabetes.  While we are licensed to sell many types of insurance, like medicare supplements, health insurance, long term care, or disability plans, we do NOT specialize in these types of insurance.For medicare supplement plans, advantage plan comparison and drug prescription plans, we recommend you visit our friends at Clear Medicare Solutions where you can compare medicare supplement plans using their quoter.How to Get a QuoteTo get a term or whole life insurance quote with diabetes, simply fill out our quote form above or call us at 877-996-9383.

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