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	<title>General Diabetes Archives - Diabetes365 Your Resource for Life</title>
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	<title>General Diabetes Archives - Diabetes365 Your Resource for Life</title>
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		<title>Gestational Diabetes and Life Insurance in 2025</title>
		<link>https://www.diabetes365.org/gestational-diabetes-and-life-insurance/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=gestational-diabetes-and-life-insurance</link>
		
		<dc:creator><![CDATA[Matt Schmidt]]></dc:creator>
		<pubDate>Sat, 11 Apr 2020 00:00:52 +0000</pubDate>
				<category><![CDATA[General Diabetes]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[diabetes]]></category>
		<category><![CDATA[diabetes365]]></category>
		<category><![CDATA[Gestational Diabetes]]></category>
		<category><![CDATA[Life Insurance in 2022]]></category>
		<guid isPermaLink="false">https://www.diabetes365.org/?p=3109</guid>

					<description><![CDATA[Gestational Diabetes and Life Insurance When it comes to diabetes, most people refer to either type 1 or type 2 diabetes. But, did you know that there is another type of diabetes known as gestational diabetes? While it may be less common, it still grabs the attention of underwriters and could potentially make it difficult ... <a title="Gestational Diabetes and Life Insurance in 2025" class="read-more" href="https://www.diabetes365.org/gestational-diabetes-and-life-insurance/" aria-label="More on Gestational Diabetes and Life Insurance in 2025">Read more</a>]]></description>
										<content:encoded><![CDATA[<h3><b>Gestational Diabetes and Life Insurance</b></h3>
<p><span style="font-weight: 400;">When it comes to diabetes, most people refer to either type 1 or type 2 diabetes. But, did you know that there is another type of diabetes known as </span><a href="https://www.idf.org/our-activities/care-prevention/gdm"><span style="font-weight: 400;">gestational diabetes</span></a><span style="font-weight: 400;">? While it may be less common, it still grabs the attention of underwriters and could potentially make it difficult to obtain life insurance. </span><span style="font-weight: 400;">Gestational diabetes, or diabetes will be a question that every life insurance company will ask about on the application.</span></p>
<p><span style="font-weight: 400;">It is possible, and easy to obtain life insurance with gestational diabetes. You simply need to work with agents who are properly trained in working with the diabetes community, such as Diabetes 365!!! We know all the </span><a href="https://www.diabetes365.org/tips-for-logging-your-health-for-a-better-life-insurance-rating/"><span style="font-weight: 400;">tips to get better rates on life insurance with diabetes</span></a><span style="font-weight: 400;">. Finding affordable life insurance with gestational diabetes is much easier than you probably imagine.</span></p>
<p><img fetchpriority="high" decoding="async" class="aligncenter wp-image-6339" src="https://www.diabetes365.org/wp-content/uploads/2020/04/bonnie-kittle-f7bKsvOgwU-unsplash.jpg" alt="" width="909" height="681" srcset="https://www.diabetes365.org/wp-content/uploads/2020/04/bonnie-kittle-f7bKsvOgwU-unsplash.jpg 1920w, https://www.diabetes365.org/wp-content/uploads/2020/04/bonnie-kittle-f7bKsvOgwU-unsplash-300x225.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2020/04/bonnie-kittle-f7bKsvOgwU-unsplash-1024x767.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2020/04/bonnie-kittle-f7bKsvOgwU-unsplash-768x576.jpg 768w, https://www.diabetes365.org/wp-content/uploads/2020/04/bonnie-kittle-f7bKsvOgwU-unsplash-1536x1151.jpg 1536w" sizes="(max-width: 909px) 100vw, 909px" /></p>
<p><span style="font-weight: 400;">What every consumer needs to realize is that every life insurance company will view your </span><a href="https://www.diabetes365.org/gestational-diabetes-and-life-insurance/"><span style="font-weight: 400;">gestational diabetes</span></a><span style="font-weight: 400;"> differently.  One company may rate you higher, while another may NOT access any additional premiums to your policy. </span><span style="font-weight: 400;">We’ve successfully helped many women apply for </span><a href="https://diabeteslifesolutions.com/life-insurance-for-gestational-diabetics/"><span style="font-weight: 400;">life insurance with gestational diabetes</span></a><span style="font-weight: 400;">, and be approved for Preferred rates.  These are the same type of life insurance ratings that non diabetics qualify for.  Don’t let other websites trick you with fake information and tell you that you can’t receive rates better than Standard.</span></p>
<p><span style="font-weight: 400;">Many people who have a history of gestational diabetes feel that their policy will be rated or higher or will be charged more expensive premiums.  That’s simply not the case.  Certain life insurance companies will offer Standard, Standard Plus, and Preferred ratings with a recent history of gestational diabetes.  Best of all, </span><a href="https://www.diabetes365.org/are-medical-exams-required-for-life-insurance-for-diabetics/"><span style="font-weight: 400;">some companies may not even require an examination</span></a><span style="font-weight: 400;"> for amounts of life insurance up to $2 million.  Sadly, many online websites provide misleading information about the rates people with gestational diabetes will qualify for.  You’ll want to avoid places like Policy Genius, Select Quote, Fidelity Life and others as they are not properly trained to work with people who have a diabetes history.</span></p>
<p><span style="font-weight: 400;">To obtain life insurance information specific to your unique situation, simply complete an online quote request.  A licensed agent will contact you, and will ask for basic health and diabetes history information.  Once the agent knows more about your health profile, real and accurate life insurance quotes can be provided to you.  It will be impossible to recommend specific life insurance providers until you’ve shared your health profile with an agent.</span></p>
<p><span style="font-weight: 400;">Let’s take a look at gestational diabetes and how it may have an impact on your life insurance. Hint, it has LESS impact than you probably imagine!!</span></p>
<p><a href="https://www.diabetes365.org/get-quote-now/"><img decoding="async" class="aligncenter wp-image-6348 size-full" role="img" src="https://www.diabetes365.org/wp-content/uploads/2020/04/Asset-3.svg" alt="" width="300" height="62" /></a></p>
<div class="apoints">
<h2><strong>Quick Article Guide</strong></h2>
<p>Here’s what we&#8217;ll cover in this post:</p>
<ul>
<li aria-level="1"><a href="#1">What is Gestational Diabetes</a></li>
<li aria-level="1"><a href="#2">How Gestational Diabetes Impacts Life Insurance Rates</a></li>
<li aria-level="1"><a href="#3">What Health Information Do Companies Ask For</a></li>
<li aria-level="1"><a href="#4">Sample Gestational Diabetes Life Insurance Rates</a></li>
<li aria-level="1"><a href="#5">Let Us Help You Find the Best Policy</a></li>
</ul>
</div>
<h2 id="1"><b>What is Gestational Diabetes?</b></h2>
<p><span style="font-weight: 400;">Gestational Diabetes is a form of diabetes that affects pregnant women. It occurs in women who have not had any prior signs or diagnosis of diabetes before pregnancy, but during this period they experience high blood glucose levels. Typically, it develops between the 24</span><span style="font-weight: 400;">th</span><span style="font-weight: 400;"> and the 28</span><span style="font-weight: 400;">th</span><span style="font-weight: 400;"> week of pregnancy.</span></p>
<p><img decoding="async" class="aligncenter wp-image-6336" src="https://www.diabetes365.org/wp-content/uploads/2020/04/germs-CrRmKK-njqQ-unsplash.jpg" alt="" width="909" height="606" srcset="https://www.diabetes365.org/wp-content/uploads/2020/04/germs-CrRmKK-njqQ-unsplash.jpg 1920w, https://www.diabetes365.org/wp-content/uploads/2020/04/germs-CrRmKK-njqQ-unsplash-300x200.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2020/04/germs-CrRmKK-njqQ-unsplash-1024x683.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2020/04/germs-CrRmKK-njqQ-unsplash-768x512.jpg 768w, https://www.diabetes365.org/wp-content/uploads/2020/04/germs-CrRmKK-njqQ-unsplash-1536x1024.jpg 1536w" sizes="(max-width: 909px) 100vw, 909px" /></p>
<p><span style="font-weight: 400;">Here are some statistics from </span><a href="https://www.fitpregnancy.com/"><span style="font-weight: 400;">FitPregnancy</span></a><span style="font-weight: 400;">:</span></p>
<p><span style="font-weight: 400;"><a href="https://medlineplus.gov/diabetesandpregnancy.html">Gestational diabetes mellitus</a> (GDM), or high blood sugar during pregnancy, used to be relatively rare, occurring in about 3 percent to 4 percent of pregnancies. But in recent years, the rate has doubled—now, up to 6 percent to 8 percent of moms-to-be are diagnosed with this prenatal complication. And new recommendations lowering the cutoff point for diagnosis may lead to an even more dramatic increase. (Image Credit <a href="https://www.diabnext.com/what-is-gestational-diabetes-diabetes-in-pregnant-women/">DiabNext</a>)</span></p>
<h3><b>Who&#8217;s Most at Risk?</b></h3>
<p><span style="font-weight: 400;">Some of the latest research findings about gestational diabetes:</span></p>
<blockquote><p><span style="font-weight: 400;">+ Women who gain excess weight in the first trimester are at higher risk, according to a 2010 study published in Obstetrics and Gynecology. The association was even stronger among women who started their pregnancies overweight, a study at Kaiser Permanente Medical Group in Oakland, Calif., found.</span></p>
<p><span style="font-weight: 400;">+ Korean-American and Filipino-American women have twice the risk of GDM compared with Caucasian and African-American women, another recent Kaiser Permanente study found.</span></p>
<p><span style="font-weight: 400;">+ Women who drink five or more sugar-sweetened sodas a week before conceiving have a higher GDM risk, according to a study conducted by Harvard University and Louisiana State University.</span></p>
<p><span style="font-weight: 400;">+ Women with gum disease have higher odds of developing GDM than women with healthy gums, a New York University study found.</span></p>
<p><span style="font-weight: 400;">+ Frequent snorers have a 14.3 percent chance of developing GDM, compared with a 3.3 percent chance for women who don&#8217;t snore, according to a Northwestern University study.</span></p></blockquote>
<p><span style="font-weight: 400;">The exact cause of this type of diabetes is unknown, but during pregnancy, your body produces an increased level of hormones, including human placental lactogen (hPL) and hormones that increase insulin resistance. These hormones work to protect the placenta and sustain the pregnancy. Over time, however, the number of hormones in your body increases dramatically. And, eventually, your body may begin to be resistant to insulin.</span></p>
<p><span style="font-weight: 400;">Insulin is used to move glucose and turn it into energy. When you are pregnant, your baby needs to receive some of the glucose, too. So, naturally, your body will become slightly resistant to insulin. When this resistance becomes too great, blood glucose levels will rise uncharacteristically.</span></p>
<p><span style="font-weight: 400;">This is when gestational diabetes becomes developed.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-3867 size-full" src="https://www.diabetes365.org/wp-content/uploads/2020/08/diabetes-symptoms.jpg" alt="" width="720" height="513" /></p>
<h3><b>Symptoms and risk</b></h3>
<p><span style="font-weight: 400;">The symptoms for gestational diabetes are very similar to those of other forms. Here are the most common:</span></p>
<ul>
<li><span style="font-weight: 400;">Fatigue</span></li>
<li><span style="font-weight: 400;">Blurry vision</span></li>
<li><span style="font-weight: 400;">Excessive thirst</span></li>
<li><span style="font-weight: 400;">Increased urination</span></li>
<li><span style="font-weight: 400;">Snoring</span></li>
</ul>
<p><span style="font-weight: 400;">It is important to note, however, that most often there are no signs or symptoms experienced by the pregnant individual.</span></p>
<p><span style="font-weight: 400;">When it comes to who is at risk for developing gestational diabetes, know that anyone who is pregnant has a possibility of developing it. However, those who possess any of the below characteristics are at an increased risk.</span></p>
<ul>
<li><span style="font-weight: 400;">Over the age of 25</span></li>
<li><span style="font-weight: 400;">A history of high blood pressure</span></li>
<li><span style="font-weight: 400;">A family history of diabetes</span></li>
<li><span style="font-weight: 400;">Overweight before becoming pregnant</span></li>
<li><span style="font-weight: 400;">Gain more weight than normal during pregnancy</span></li>
<li><span style="font-weight: 400;">Expecting multiple babies</span></li>
</ul>
<h2 id="2"><b>How Gestational Diabetes affects your life insurance application</b></h2>
<p><span style="font-weight: 400;">Believe it or not, although gestational diabetes is a form of diabetes, insurance companies do not treat it the same as other forms of the disease. Technically, gestational diabetes only lasts during the pregnancy. So, it is temporary. Because once the mother gives birth, the body will return to its prior, healthy, non-diabetic state. But companies are going to want to know more about your gestational diabetes history, and treatment history.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-3121 " src="https://www.diabetes365.org/wp-content/uploads/2018/12/Gestational-Diabetes-May-Lead-to-More-Body-Fat-on-Babies-1440x810-1.jpg" alt="" width="935" height="526" srcset="https://www.diabetes365.org/wp-content/uploads/2018/12/Gestational-Diabetes-May-Lead-to-More-Body-Fat-on-Babies-1440x810-1.jpg 1440w, https://www.diabetes365.org/wp-content/uploads/2018/12/Gestational-Diabetes-May-Lead-to-More-Body-Fat-on-Babies-1440x810-1-300x169.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2018/12/Gestational-Diabetes-May-Lead-to-More-Body-Fat-on-Babies-1440x810-1-1024x576.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2018/12/Gestational-Diabetes-May-Lead-to-More-Body-Fat-on-Babies-1440x810-1-768x432.jpg 768w" sizes="(max-width: 935px) 100vw, 935px" /></p>
<p><span style="font-weight: 400;">What happens for life insurance underwriters, however, is that they take a look at your lifestyle, family history, and such. In their opinion, if your body developed gestational diabetes, how likely are you to develop type 2 diabetes in the future?</span></p>
<p><span style="font-weight: 400;">In other words, this temporary condition could cause you to be viewed as a higher risk for life insurance companies. Or, depending on a review of your complete health profile, you may NOT be viewed as a higher risk due to your gestational diabetes history. This could be a COMPLETE non issue for you!!! </span></p>
<p><span style="font-weight: 400;">To find out what rates you may qualify for, simply </span><a href="https://www.diabetes365.org/contact-us/"><span style="font-weight: 400;">contact us</span></a><span style="font-weight: 400;">, and speak with an agent. In the event <a href="https://www.diabetes365.org/what-to-do-if-declined-for-life-insurance-with-diabetes/">you’ve been declined</a> due to your history of diabetes, don’t get upset.  Just reach out to us, and let us help you out. Our agents will take down some basic health information, from you, and can then determine what companies and what rates you could obtain coverage from.</span></p>
<p><span style="font-weight: 400;">What we tend to see for most applicants that have a history of gestational diabetes is that you’ll most likely have NO issues in being approved for coverage.  Gestational diabetes life insurance is easy to qualify for.  Also, in lots of situations, you will not have to even</span><a href="https://www.diabetes365.org/what-to-expect-with-a-paramedical-exam/"><span style="font-weight: 400;"> complete a medical examination</span></a><span style="font-weight: 400;">.  Our clients are receiving Preferred rates with select insurance companies that we work with.</span></p>
<p><a href="https://www.diabetes365.org/get-quote-now/"><img decoding="async" class="aligncenter wp-image-6348 size-full" role="img" src="https://www.diabetes365.org/wp-content/uploads/2020/04/Asset-3.svg" alt="" width="300" height="62" /></a></p>
<p><b>Future Type 2 diagnosis or family history?</b></p>
<p><span style="font-weight: 400;">Approximately half of those who suffer from gestational diabetes will go on to develop type 2 diabetes in the future. Consider this:</span></p>
<blockquote><p><i><span style="font-weight: 400;">Mother X had never been diabetic before, but she developed gestational diabetes during her pregnancy. Afterward, while raising her little baby boy, she continued to follow a strong lifestyle of whole foods and fitness. She went on to live a long, healthy life. Because she took great care of herself, she never developed type 2 diabetes.</span></i></p></blockquote>
<p style="padding-left: 30px;"><b>This type of individual would have NO problems obtaining </b><a href="https://www.diabetes365.org/blog/life-insurance/"><b>diabetes life insurance</b></a><b> coverage. In fact, she may qualify for Preferred Plus or Preferred rates, with certain life insurance companies.</b></p>
<blockquote><p><i><span style="font-weight: 400;">Mother Y had never been diabetic before her pregnancy, but she developed gestational diabetes. After the birth of her baby boy, diabetes disappeared, and she never again gave it much thought. She tried to take care of herself, but life got busy and she didn’t eat as she should and never had time for much exercise. Mother Y became pre-diabetic before her 40</span></i><i><span style="font-weight: 400;">th</span></i><i><span style="font-weight: 400;"> birthday and went on to develop type 2 diabetes.</span></i></p></blockquote>
<p style="padding-left: 30px;"><b>A person with this type of health profile, would still qualify for coverage. However, their rates may be more expensive, compared to a person without any type of diabetes. To read on </b><a href="https://www.diabetes365.org/tips-for-getting-life-insurance-with-type-2-diabetes/"><b>how to get best life insurance rates for type 2 diabetics</b></a><b>, click on this link.</b></p>
<p><span style="font-weight: 400;">Life Insurance Underwriters know to look at the chances of whether or not the individual will go on to develop type 2 diabetes – which means she would be a much greater risk to life insurance companies. The underwriters take into consideration the medical history prior to the pregnancy to see whether the mother was in good health. In addition, viewing the family history for a common factor of developing diabetes (which is a much more legitimate way to determine risk). Whether fair or not, both of these findings may be used by life insurance providers when making their determination.</span></p>
<p><span style="font-weight: 400;">The best thing to do, is to speak with an agent, and share your complete health profile with them. All life insurance companies will review your profile differently. One company may rate your policy 25% to 50% more expensive while another life insurance company wouldn’t charge you any higher premiums. Don’t feel like you have to do this alone though! Simply reach out to an agent at </span><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">Diabetes 365</span></a><span style="font-weight: 400;"> , and put our expertise to work for you and your family!  Without sharing detailed gestational diabetes information to an agent, it will be impossible to determine what the best life insurance company for gestational diabetics will be.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-3868" src="https://www.diabetes365.org/wp-content/uploads/2020/08/national-cancer-institute-2hOoIAEQfFs-unsplash-scaled-1.jpg" alt="" width="1000" height="800" /></p>
<h2 id="3"><b>What health information do insurance companies want?</b></h2>
<p><span style="font-weight: 400;">Be prepared when applying for life insurance coverage as you will likely have to supply the underwriter with some medical history and potentially undergo a medical exam since you developed gestational diabetes. If you prefer not to have companies collect blood and urine samples from you, there would most likely be </span><a href="https://www.diabetes365.org/non-medical-exam-life-insurance/"><span style="font-weight: 400;">no medical exam life insurance options</span></a><span style="font-weight: 400;">. This information will likely include:</span></p>
<ul>
<li>Whether you are currently pregnant or intend to become pregnant.</li>
<li>Detailed information concerning your gestational diabetes, whether you have it now or had it in the past. It is very <a href="https://www.diabetes365.org/the-importance-of-disclosing-your-diabetes-condition-on-life-insurance-applications/">important to disclose your diabetes history on an insurance application.</a></li>
<li>Information on medication that was/is taken for gestational diabetes, including the name of medicine, dosage, and how long you took it. You will also need to provide a list of all the other medications you currently take.</li>
<li>A detailed review of your family history, including high blood pressure, cardiovascular disease, diabetes, cancer, etc. You’ll also want to note your <a href="https://www.diabetes365.org/how-your-a1c-affects-your-life-insurance-rates/">recent A1C readings</a> as this will be required by an Underwriter.</li>
<li>Your smoking habits and/or alcohol consumption. Also, any <a href="https://www.diabetes365.org/diabetes-life-insurance-and-drug-addiction/">drug use</a> or drug abuse history.</li>
</ul>
<p><span style="font-weight: 400;">All of this information is put together to form an overall health profile for you.  While applying, </span><a href="https://www.diabetes365.org/the-importance-of-disclosing-your-diabetes-condition-on-life-insurance-applications/"><span style="font-weight: 400;">you must disclose your diabetes history</span></a><span style="font-weight: 400;"> on the application.  There’s no way to hide this.  Most likely you’ve been prescribed a form of medication for gestational diabetes, and this will show up in the prescription drug background report.  Underwriters will then put you into a health rating category that’s decided by your health profile. These are:</span></p>
<h3 style="padding-left: 40px;">Preferred Plus / Preferred</h3>
<p style="padding-left: 40px;"><span style="font-weight: 400;">This is for those individuals in stellar health with no family history of risky health conditions. Those in this category get the lowest possible rates. If you have an <a href="https://www.diabetes365.org/how-exercise-makes-it-easier-to-control-diabetes/">exercise program</a>, watch your diet and overall health, tend to receive these favorable rates.</span></p>
<h3 style="padding-left: 40px;">Standard Plus / Standard</h3>
<p style="padding-left: 40px;">If you are in pretty good health with a minimal family history, then you will likely fall into this category. It means that while you may have some minor health issues, overall you are in good health. You will still get a decent insurance rate. Majority of applicants without any type of diabetes tend to fall into this category. <span style="font-weight: 400;">If you’re in average health with a history of gestational diabetes, you’ll probably fall into these two underwriting classifications.</span></p>
<h3 style="padding-left: 40px;">Substandard</h3>
<p style="padding-left: 40px;"><span style="font-weight: 400;">This final category is for those that are at the highest risk for life insurance companies – and will pay the highest premiums. Only individuals with poor overall health history will fall into this category. </span><span style="font-weight: 400;">Rarely are we seeing our clients with gestational diabetes fall into this category, unless there’s a history of severe health issues.</span></p>
<p><span style="font-weight: 400;">The above </span><a href="https://www.insurancegeek.com/guides/insurance-rate-class/"><span style="font-weight: 400;">life insurance classifications</span></a><span style="font-weight: 400;"> will determine your final premiums.  After an underwriter reviews your health profile, they’ll approve you at one of the above ratings.  Preferred rates will be less expensive than Standard Plus or Standard ratings.  The Substandard ratings would be considerably more expensive than all other ratings.  But, like we mentioned, very rarely is a person going to be in this category unless there are severe health issues at time of application, or within the last few years.</span></p>
<h2 id="4"><b>Sample Gestational Diabetes Life Insurance Quotes</b></h2>
<h3 style="text-align: center;"><b>Here are some sample quotes, for Non Tobacco users.  These quotes are showing Standard to Preferred rates.</b></h3>
<p style="text-align: center;"><div id="tablepress-20-scroll-wrapper" class="tablepress-scroll-wrapper">

<table id="tablepress-20" class="tablepress tablepress-id-20 tablepress-responsive">
<thead>
<tr class="row-1 odd">
	<th class="column-1"><center><strong>Age</strong></center></th><th class="column-2"><center><strong>Policy Type</strong></center></th><th class="column-3"><center><strong>Face Value</strong></center></th><th class="column-4"><center><strong>Monthly Rates</strong></center></th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1"></td><td class="column-2"><center>10 Year Term</center></td><td class="column-3"><center>$250,000</center></td><td class="column-4"><center>$10 - $25</center></td>
</tr>
<tr class="row-3 odd">
	<td class="column-1"><center><b>30</b></center></td><td class="column-2"><center>20 Year Term</center></td><td class="column-3"><center>$250,000</center></td><td class="column-4"><center>$13 - $30</center></td>
</tr>
<tr class="row-4 even">
	<td class="column-1"></td><td class="column-2"><center>30 Year Term</center></td><td class="column-3"><center>$250,000</center></td><td class="column-4"><center>$18 - $35</center></td>
</tr>
<tr class="row-5 odd">
	<td class="column-1"><center style="color:transparent;">sda</center></td><td class="column-2"></td><td class="column-3"></td><td class="column-4"></td>
</tr>
<tr class="row-6 even">
	<td class="column-1"></td><td class="column-2"><center>10 Year Term</center></td><td class="column-3"><center>$250,000</center></td><td class="column-4"><center>$14 - $28</center></td>
</tr>
<tr class="row-7 odd">
	<td class="column-1"><center><b>40</b></center></td><td class="column-2"><center>20 Year Term</center></td><td class="column-3"><center>$250,000</center></td><td class="column-4"><center>$18 - $35</center></td>
</tr>
<tr class="row-8 even">
	<td class="column-1"></td><td class="column-2"><center>30 Year Term</center></td><td class="column-3"><center>$250,000</center></td><td class="column-4"><center>$27 - $45</center></td>
</tr>
<tr class="row-9 odd">
	<td class="column-1"><center style="color:transparent;">sda</center></td><td class="column-2"></td><td class="column-3"></td><td class="column-4"></td>
</tr>
<tr class="row-10 even">
	<td class="column-1"></td><td class="column-2"><center>10 Year Term</center></td><td class="column-3"><center>$250,000</center></td><td class="column-4"><center>$24 - $40</center></td>
</tr>
<tr class="row-11 odd">
	<td class="column-1"><center><b>50</b></center></td><td class="column-2"><center>20 Year Term</center></td><td class="column-3"><center>$250,000</center></td><td class="column-4"><center>$35 - $58</center></td>
</tr>
<tr class="row-12 even">
	<td class="column-1"></td><td class="column-2"><center>30 Year Term</center></td><td class="column-3"><center>$250,000</center></td><td class="column-4"><center>$58 - $95</center></td>
</tr>
</tbody>
</table>

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<p style="text-align: center;"><div id="tablepress-21-scroll-wrapper" class="tablepress-scroll-wrapper">

<table id="tablepress-21" class="tablepress tablepress-id-21 tablepress-responsive">
<thead>
<tr class="row-1 odd">
	<th class="column-1"><center><strong>Age</strong></center></th><th class="column-2"><center><strong>Policy Type</strong></center></th><th class="column-3"><center><strong>Face Value</strong></center></th><th class="column-4"><center><strong>Monthly Rates</strong></center></th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1"></td><td class="column-2"><center>10 Year Term</center></td><td class="column-3"><center>$500,000</center></td><td class="column-4"><center>$18 - $28</center></td>
</tr>
<tr class="row-3 odd">
	<td class="column-1"><center><b>30</b></center></td><td class="column-2"><center>20 Year Term</center></td><td class="column-3"><center>$500,000</center></td><td class="column-4"><center>$19 - $35</center></td>
</tr>
<tr class="row-4 even">
	<td class="column-1"></td><td class="column-2"><center>30 Year Term</center></td><td class="column-3"><center>$500,000</center></td><td class="column-4"><center>$31 - $50</center></td>
</tr>
<tr class="row-5 odd">
	<td class="column-1"><center style="color:transparent;">sda</center></td><td class="column-2"></td><td class="column-3"></td><td class="column-4"></td>
</tr>
<tr class="row-6 even">
	<td class="column-1"></td><td class="column-2"><center>10 Year Term</center></td><td class="column-3"><center>$500,000</center></td><td class="column-4"><center>$20 - $35</center></td>
</tr>
<tr class="row-7 odd">
	<td class="column-1"><center><b>40</b></center></td><td class="column-2"><center>20 Year Term</center></td><td class="column-3"><center>$500,000</center></td><td class="column-4"><center>$30 - $46</center></td>
</tr>
<tr class="row-8 even">
	<td class="column-1"></td><td class="column-2"><center>30 Year Term</center></td><td class="column-3"><center>$500,000</center></td><td class="column-4"><center>$46 - $78</center></td>
</tr>
<tr class="row-9 odd">
	<td class="column-1"><center style="color:transparent;">sda</center></td><td class="column-2"></td><td class="column-3"></td><td class="column-4"></td>
</tr>
<tr class="row-10 even">
	<td class="column-1"></td><td class="column-2"><center>10 Year Term</center></td><td class="column-3"><center>$500,000</center></td><td class="column-4"><center>$40 - $65</center></td>
</tr>
<tr class="row-11 odd">
	<td class="column-1"><center><b>50</b></center></td><td class="column-2"><center>20 Year Term</center></td><td class="column-3"><center>$500,000</center></td><td class="column-4"><center>$65 - $105</center></td>
</tr>
<tr class="row-12 even">
	<td class="column-1"></td><td class="column-2"><center>30 Year Term</center></td><td class="column-3"><center>$500,000</center></td><td class="column-4"><center>$110 - $180</center></td>
</tr>
</tbody>
</table>

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<h2 id="5"><b>You will benefit from working with us</b></h2>
<p><span style="font-weight: 400;">Perhaps your best option for obtaining affordable life insurance if you have or have had gestational diabetes is to contact an independent agent – especially one that specializes in your condition. </span><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">Diabetes 365</span></a><span style="font-weight: 400;"> was created to help people with all types of Diabetes, find affordable life insurance coverage.  Let us be a resource to you and your family.</span></p>
<p><span style="font-weight: 400;">Our agents know what life insurance companies offer the lowest rates for the best coverage based on your health profile. So, we will only recommend the ideal companies, given your health profile and financial goals.  Diabetes 365 was created to help out the diabetes community with their life insurance needs.  Since we only work with diabetics, we assure you that nobody is better at our jobs than us.</span></p>
<p><span style="font-weight: 400;"><img loading="lazy" decoding="async" class="aligncenter wp-image-3127 " src="https://www.diabetes365.org/wp-content/uploads/2018/12/B_Gestational-SEO-001-blog-2000x1086-1.jpg" alt="" width="913" height="496" srcset="https://www.diabetes365.org/wp-content/uploads/2018/12/B_Gestational-SEO-001-blog-2000x1086-1.jpg 2000w, https://www.diabetes365.org/wp-content/uploads/2018/12/B_Gestational-SEO-001-blog-2000x1086-1-300x163.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2018/12/B_Gestational-SEO-001-blog-2000x1086-1-1024x556.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2018/12/B_Gestational-SEO-001-blog-2000x1086-1-768x417.jpg 768w, https://www.diabetes365.org/wp-content/uploads/2018/12/B_Gestational-SEO-001-blog-2000x1086-1-1536x834.jpg 1536w" sizes="(max-width: 913px) 100vw, 913px" /></span></p>
<p><span style="font-weight: 400;">Also, when you work with us, we will help you determine what type of policy is best for yourself. Maybe </span><a href="https://www.diabetes365.org/term-life-insurance-for-diabetics/"><span style="font-weight: 400;">term life insurance</span></a><span style="font-weight: 400;"> or whole life insurance? We will let you weigh the pros and cons of the various life insurance options. Or maybe you are unsure of </span><a href="https://www.diabetes365.org/how-much-life-insurance-do-i-need/"><span style="font-weight: 400;">how much life insurance coverage</span></a><span style="font-weight: 400;"> you need. We’ll help you determine how much life insurance is needed to protect your family.</span></p>
<p><span style="font-weight: 400;"> If you opt to apply for a policy that requires a blood and urine test, as well as a review of medical records, we will assist you with all of this.  This is referred to as a </span><a href="https://www.diabetes365.org/what-to-expect-with-a-paramedical-exam/"><span style="font-weight: 400;">paramedical examination</span></a><span style="font-weight: 400;">.  Our staff helps you schedule this, and most importantly there are NO expenses to you for these services.</span></p>
<p><span style="font-weight: 400;">You won’t need to do multiple tests. We can use your information to run it past all the competitive life insurance companies to determine what company is the best fit for you. Our clients experience nothing but the highest level of customer service, when working with us.  At the end of the application process, we’ll present to you final offers, and help you choose the best life insurance policy possible.</span></p>
<p><a href="https://www.diabetes365.org/get-quote-now/"><img decoding="async" class="aligncenter wp-image-6348 size-full" role="img" src="https://www.diabetes365.org/wp-content/uploads/2020/04/Asset-3.svg" alt="" width="300" height="62" /></a></p>
<p><span style="font-weight: 400;">Gestational diabetes won’t keep you from getting an affordable life insurance policy, but it will make the process a little more trickier. Don’t waste your time trying to do it alone. Contact us and let US do all the work on your behalf. We’ve helped thousands of the diabetes community find affordable life insurance coverage. Let us earn your business today!</span></p>
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			</item>
		<item>
		<title>Are Examinations Needed for Life Insurance with Diabetes?</title>
		<link>https://www.diabetes365.org/are-medical-exams-required-for-life-insurance-for-diabetics/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=are-medical-exams-required-for-life-insurance-for-diabetics</link>
		
		<dc:creator><![CDATA[Matt Schmidt]]></dc:creator>
		<pubDate>Wed, 24 Mar 2021 09:00:00 +0000</pubDate>
				<category><![CDATA[General Diabetes]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Medical Exams]]></category>
		<category><![CDATA[Type 1 Diabetes]]></category>
		<category><![CDATA[Type 2 Diabetes]]></category>
		<category><![CDATA[diabetes]]></category>
		<category><![CDATA[diabetes365]]></category>
		<category><![CDATA[Gestational Diabetes]]></category>
		<category><![CDATA[life insurance medical exams]]></category>
		<category><![CDATA[life insurane with diabetes]]></category>
		<category><![CDATA[type 1 diabetes]]></category>
		<guid isPermaLink="false">https://diabetes365.org/?p=1812</guid>

					<description><![CDATA[Finding life insurance can be a very frustrating process⏤ especially as a diabetic. Fortunately, there are more and more companies that are now offering coverage to people with diabetes. Contrary to popular belief, it is possible to get life insurance as a diabetic WITHOUT partaking in a medical exam. No medical exam life insurance is ... <a title="Are Examinations Needed for Life Insurance with Diabetes?" class="read-more" href="https://www.diabetes365.org/are-medical-exams-required-for-life-insurance-for-diabetics/" aria-label="More on Are Examinations Needed for Life Insurance with Diabetes?">Read more</a>]]></description>
										<content:encoded><![CDATA[<p><span style="font-weight: 400;">Finding life insurance can be a very frustrating process⏤ especially as a diabetic. Fortunately, there are more and more companies that are now offering coverage to people with diabetes. Contrary to popular belief, </span><a href="https://www.diabetes365.org/blog/life-insurance/"><span style="font-weight: 400;">it is possible to get life insurance as a diabetic</span></a><span style="font-weight: 400;"> WITHOUT partaking in a medical exam. </span><a href="https://www.diabetes365.org/non-medical-exam-life-insurance/"><span style="font-weight: 400;">No medical exam life insurance</span></a><span style="font-weight: 400;"> is an extremely popular option for the diabetes community.  Especially </span><a href="https://www.diabetesresearch.org/diabetes-statistics"><span style="font-weight: 400;">those who live with type 2 diabetes</span></a><span style="font-weight: 400;">.</span></p>
<p><span style="font-weight: 400;">Although many companies do require a </span><a href="https://www.lfg.com/public/individual/responsibilityoflove/protect/prepareforalifeinsurancemedicalexam"><span style="font-weight: 400;">medical exam</span></a><span style="font-weight: 400;"> to be completed as a part of the underwriting process, there are still numerous options for those who are living with diabetes and don’t want to undergo a medical exam (for whatever their reasons may be).</span></p>
<div class="apoints">
<h2><strong>Quick Article Guide</strong></h2>
<p>Here’s what we&#8217;ll cover in this post:</p>
<ul>
<li><a href="#1">Overview of Life Insurance With Diabetes</a></li>
<li><a href="#2">What is a Medical Examination</a></li>
<li><a href="#3">What if You Wish to Skip the Examination</a></li>
<li><a href="#4">Final Thoughts</a></li>
</ul>
</div>
<h2 id="1"><strong>Diabetes Life Insurance Overview</strong></h2>
<p><span style="font-weight: 400;">With us living in the Covid 19 or Coronavirus era, many changes have occurred in the life insurance market place.  As we come out of this environment, many positive changes have been made within the life insurance industry.  Companies understand that many people may not want to meet at an examination office, or have an examiner come into their home.  Or in some cases, underwriters know that certain people with diabetes are healthy and possibly additional medical testing is not needed. </span></p>
<p><span style="font-weight: 400;">Due to the unprecedented world we are living in, certain life insurance companies Diabetes 365 works with may waive the examination.  Best thing about this is you may receive the EXACT type of rates as a company who requires an examination.  I mean if you DON’T have to do an examination and get preferential rates, why would you go through the additional requirements?</span></p>
<p><span style="font-weight: 400;"><img loading="lazy" decoding="async" class="aligncenter wp-image-3330 " src="https://www.diabetes365.org/wp-content/uploads/2016/11/arms-care-check-905874-2-1.jpg" alt="" width="1037" height="613" srcset="https://www.diabetes365.org/wp-content/uploads/2016/11/arms-care-check-905874-2-1.jpg 2500w, https://www.diabetes365.org/wp-content/uploads/2016/11/arms-care-check-905874-2-1-300x177.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2016/11/arms-care-check-905874-2-1-1024x605.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2016/11/arms-care-check-905874-2-1-768x454.jpg 768w, https://www.diabetes365.org/wp-content/uploads/2016/11/arms-care-check-905874-2-1-1536x908.jpg 1536w, https://www.diabetes365.org/wp-content/uploads/2016/11/arms-care-check-905874-2-1-2048x1211.jpg 2048w" sizes="(max-width: 1037px) 100vw, 1037px" /></span></p>
<p><span style="font-weight: 400;">Life insurance companies have been evolving over time, and that’s a positive. They are even beginning to favor people who have </span><a href="https://www.diabetes365.org/life-insurance-for-type-1-diabetics/"><span style="font-weight: 400;">type 1 diabetes</span></a><span style="font-weight: 400;">, type 2 diabetes or even </span><a href="https://www.diabetes365.org/gestational-diabetes-and-life-insurance/"><span style="font-weight: 400;">gestational diabetics</span></a><span style="font-weight: 400;"> a little more favorably.  Using background checks and reports you can be approved without subjecting yourself to traditional life insurance underwriting.</span></p>
<p><span style="font-weight: 400;">Because of this, rates for life insurance as a diabetic are at all time lows. And policies are now offering the same types of life insurance riders, that people without diabetes can obtain.  If not wanting to complete a medical exam while applying for life insurance, you’d most likely have this option available to you.  We can honestly say that 75% of applicants for diabetes life insurance may have non medical exam options.</span></p>
<p><span style="font-weight: 400;">The ONLY way we or anyone can determine what non medical exam life insurance options you’ll have is by </span><a href="https://www.diabetes365.org/contact-us/"><span style="font-weight: 400;">contacting us</span></a><span style="font-weight: 400;">, or by completing a quote request.  After reaching out to us, an agent can communicate with you to learn more about your health and diabetes history.  Once the necessary information is received from you, an agent will share multiple </span><a href="https://www.diabetes365.org/are-medical-exams-required-for-life-insurance-for-diabetics/"><span style="font-weight: 400;">non medical examination options</span></a><span style="font-weight: 400;"> with you.</span></p>
<h2 id="2"><strong>What Happens During a Life Insurance Medical Exam?</strong></h2>
<p><span style="font-weight: 400;">If you are looking for an insurance policy that provides you with the largest benefit for the lowest monthly premium payment, it might be in your best interest to take a </span><a href="https://www.diabetes365.org/what-to-expect-with-a-paramedical-exam/"><span style="font-weight: 400;">medical exam</span></a><span style="font-weight: 400;">. Or if it may be BEST to apply on a non medical exam basis.  There’s honestly no way to determine which type of policy is best for you until you begin working with us, and providing us with a diabetes questionnaire.  Your detailed diabetes history will point us in the right direction depending on your answers.</span></p>
<p><span style="font-weight: 400;">The reason for this is that insurance companies want to be confident about the level of risk that is associated with providing coverage to each individual. The best way to fully grasp the state of wellbeing in the health of the prospective insured is through the recommended medical exam.  Showing updated lab results including A1C and </span><a href="https://www.medicalnewstoday.com/articles/249413"><span style="font-weight: 400;">Glucose readings</span></a><span style="font-weight: 400;"> will show an underwriter an accurate look into how well your diabetes is being controlled.  Generally, if willing to complete this type of paramedical exam, more life insurance companies will consider you for coverage.  The number of no exam life insurance options for a diabetic will be limited to probably 10 or less companies.</span></p>
<p><span style="font-weight: 400;">The medical exam is pretty basic. The insurance company will send a nurse or paramedic to your residence to perform a few simple medical tests, such as a blood test and take a urine sample, and they will ask you to fill out a medication questionnaire. In the past, if you want to bypass the medical exam, you will be paying a larger premium.   For some individuals with diabetes, ‘skipping’ a medical examination will NO LONGER mean you pay higher rates.  If your diabetes is well-managed by prescription drugs, and you are compliant with the treatment your Doctor is recommending, chances are you will receive a lower rate compared to a person who is noncompliant with treatment..</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6394" src="https://www.diabetes365.org/wp-content/uploads/2021/03/pre-travel-physicals-hd.jpg" alt="" width="1024" height="534" srcset="https://www.diabetes365.org/wp-content/uploads/2021/03/pre-travel-physicals-hd.jpg 1200w, https://www.diabetes365.org/wp-content/uploads/2021/03/pre-travel-physicals-hd-300x157.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/03/pre-travel-physicals-hd-1024x534.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2021/03/pre-travel-physicals-hd-768x401.jpg 768w" sizes="(max-width: 1024px) 100vw, 1024px" /></p>
<p><span style="font-weight: 400;">In the event you wish to complete a paramedical examination, the examiner will take your Height, Weight, and will collect blood and urine samples. This information is then sent to an independent lab. The results are then sent to the insurance company, or the underwriter to review. These lab results can also be sent to you as well for your records.  We’ll note that you’ll want to be certain that </span></p>
<p><span style="font-weight: 400;">In order to ensure the lowest rates, it is very important to effectively manage your diabetes through a </span><a href="https://www.diabetes365.org/category/food-and-diet/"><span style="font-weight: 400;">healthy diet</span></a><span style="font-weight: 400;"> and </span><a href="https://www.diabetes365.org/how-exercise-makes-it-easier-to-control-diabetes/"><span style="font-weight: 400;">exercise</span></a><span style="font-weight: 400;">. Other factors that can significantly lower your monthly rates are lowering your A1C, reaching and maintaining a healthy body weight, and taking less medications. Rates also tend to be lower if you were diagnosed with diabetes later in life.  Basically, you want to be as healthy as possible at time of applying.</span></p>
<h2 id="3">What If I Want to Skip the Life Insurance Medical Exam?</h2>
<p><span style="font-weight: 400;">However, you may want to skip the medical exam for multiple reasons. Maybe you do not have the time to get a medical exam done, you aren’t managing your diabetes to your best ability, you are a tobacco user, you are considered overweight, or you want life insurance quickly. The good news is if your diabetes is well-managed with doctor-subscribed prescriptions, you don’t need to take a medical exam to qualify for coverage. </span></p>
<p><span style="font-weight: 400;">Depending on the applicant, rates without an examination may NOT be more expensive.  But in order for us to determine your best options you&#8217;ll want to complete a quote request and speak with an agent about your health profile.  It may be in your best interest to do an examination.</span></p>
<p><span style="font-weight: 400;">Some life insurance companies will offer policies that will simply do a prescription drug background check, and a Medical Information Bureau review. The information in these background checks determine your eligibility, and your rates.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6395" src="https://www.diabetes365.org/wp-content/uploads/2021/03/iStock-1147974101-1024x702-1.jpg" alt="" width="1002" height="687" srcset="https://www.diabetes365.org/wp-content/uploads/2021/03/iStock-1147974101-1024x702-1.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2021/03/iStock-1147974101-1024x702-1-300x206.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/03/iStock-1147974101-1024x702-1-768x527.jpg 768w" sizes="(max-width: 1002px) 100vw, 1002px" /></p>
<p><span style="font-weight: 400;">There are several life insurance companies issuing </span><a href="https://diabeteslifesolutions.com/life-insurance-for-type-1-diabetics/"><span style="font-weight: 400;">life insurance for Type 1</span></a><span style="font-weight: 400;"> and Type 2 </span><a href="https://www.diabetes365.org/non-medical-exam-life-insurance/"><span style="font-weight: 400;">diabetics with no exam required</span></a><span style="font-weight: 400;">, both </span><a href="https://www.diabetes365.org/what-is-the-difference-between-term-and-whole-life-insurance/"><span style="font-weight: 400;">term and whole life policies</span></a><span style="font-weight: 400;">. If you have been diagnosed with type 2 diabetes, there are many different options for you, with ranging amounts of coverage. Different companies have rules governing who they will approve, varying from ages of people they will accept to the method of medication you use. There are companies who will disqualify you if you use any type of injectable insulin. As long as you don’t have any other underlying health conditions, you should not have any trouble finding an insurance company that will provide you with coverage.</span></p>
<p><span style="font-weight: 400;">If you have type 1 diabetes, it may be a little more complicated to find affordable life insurance. Because there isn’t a known cure for type 1 diabetes, the potential for loss is higher. Therefore, the risks associated with guaranteeing a death benefit is also greater.  99% of the time life insurance rates for a type 1 diabetes individual will be more expensive compared to a person living with type 2 diabetes.  While this seems unfair, it’s simply how life insurance companies are viewing type 1 diabetics.</span></p>
<p><span style="font-weight: 400;">There are still </span><a href="https://www.quickquote.com/blog/5-reasons-you-wont-qualify-for-no-exam-life-insurance-2/"><span style="font-weight: 400;">no medical exam</span></a><span style="font-weight: 400;"> options available to the </span><a href="https://beyondtype1.org/the-diabetes-online-community-doc/"><span style="font-weight: 400;">type 1 diabetes community</span></a><span style="font-weight: 400;">, but MOST companies will order the last 4 to 5 years worth of medical records. The information in those medical records will determine the final offers. Don’t stress this. You may also have a couple of options by companies who do not require a review of medical records. So if you absolutely want to bypass the medical exam, you would have options.</span></p>
<p><span style="font-weight: 400;">Please also note if you are unaware of what type of lab results you have in your medical history, please do NOT apply to companies who’ll review medical files.  You may get declined and not be able to qualify for coverage.  Rather, apply on a non medical basis initially.  Or if you can gain access to your records, look them over and share things with an agent for further guidance.</span></p>
<h3><strong>What Information are Underwriters Looking For?</strong></h3>
<p><span style="font-weight: 400;">Life insurance companies will be looking for the following information in your medical records, that will determine eligibility and your final rates:</span></p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">How well is your control of your Diabetes</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">What is your recent </span><a href="https://www.diabetes365.org/how-your-a1c-affects-your-life-insurance-rates/"><span style="font-weight: 400;">A1C readings</span></a></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Microalbumin/Creatinine Ratio readings</span></li>
<li style="font-weight: 400;" aria-level="1"><a href="https://emedicine.medscape.com/article/2089070-overview"><span style="font-weight: 400;">Fructosamine readings</span></a></li>
<li style="font-weight: 400;" aria-level="1"><a href="https://www.medicalnewstoday.com/articles/249413"><span style="font-weight: 400;">Glucose readings</span></a></li>
<li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">BUN readings</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Do you have any Diabetes related complications</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Are you compliant with your Doctors instructions on treatment</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Do you have a </span><a href="https://www.diabetes365.org/10-exercise-tips-for-type-2-diabetes/"><span style="font-weight: 400;">regular exercise program</span></a></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Are you watching your diet</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Any other severe health issues</span></li>
</ul>
<p><span style="font-weight: 400;">If you’re applying for life insurance on a medical examination basis, those types of readings and results will have a direct correlation to the types of offers you’ll receive.  Now if readings come back abnormal, expect to pay higher premiums, or you may find yourself declined all together.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6396" src="https://www.diabetes365.org/wp-content/uploads/2021/03/can-you-retake-medical-exam.jpg" alt="" width="1009" height="501" srcset="https://www.diabetes365.org/wp-content/uploads/2021/03/can-you-retake-medical-exam.jpg 1350w, https://www.diabetes365.org/wp-content/uploads/2021/03/can-you-retake-medical-exam-300x149.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/03/can-you-retake-medical-exam-1024x508.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2021/03/can-you-retake-medical-exam-768x381.jpg 768w" sizes="(max-width: 1009px) 100vw, 1009px" /></p>
<p><span style="font-weight: 400;">In the event an insurance company will make a final offer without any examinations or lab work, your medical records will 100% determine your fate.  The more positive information in your file, the better your rates will be.  Or if a company can make an offer using </span><a href="https://en.wikipedia.org/wiki/MIB_Group"><span style="font-weight: 400;">MIB data</span></a><span style="font-weight: 400;"> and prescription drug history, your background information will determine being approved or being declined.</span></p>
<p><span style="font-weight: 400;">We also like to point out that most people with </span><a href="https://www.diabetes365.org/gestational-diabetes-and-life-insurance/"><span style="font-weight: 400;">Gestational Diabetes</span></a><span style="font-weight: 400;">, </span><a href="https://www.diabetes365.org/tips-for-getting-life-insurance-with-type-2-diabetes/"><span style="font-weight: 400;">Type 2 Diabetes</span></a><span style="font-weight: 400;">, or Pre-Diabetes will receive better rates than a person with Type 1 Diabetes.  Most life insurance providers will view an individual living with Type 1 Diabetes as a </span><a href="https://lendedu.com/blog/life-insurance-for-diabetics/"><span style="font-weight: 400;">‘higher’ risk</span></a><span style="font-weight: 400;"> than other types of diabetes.  While we feel this is unfair, it’s simply how the life insurance world is.</span></p>
<p><span style="font-weight: 400;"> When working with Diabetes 365, your dedicated agent will walk you thru all this, and will explain to you all your choices. Since we only work with the Diabetes community, we’ll only provide you with real and accurate information. No fake quotes, no low balls offers will be given from us. We are a part of the Diabetes community, so we are going to treat you with the respect you deserve.</span></p>
<p><span style="font-weight: 400;">Don’t let that frighten you, though; you can still find the perfect insurance plan, even with type 1 diabetes. There are plans, like companies we work with, that cover type 1 diabetics from ages 0-89 (amounts of coverage vary) and $10K to $5 million (amounts vary from state to state as does product offering). Some people may even qualify for $2 million or higher on a non medical exam basis.</span></p>
<h2 id="4"><strong>Final Thoughts</strong></h2>
<p>When choosing an insurance plan, make sure to look out for any waiting periods, incontestability periods, and other restrictions that could prevent you from receiving the benefits you need and deserve. Sadly many people apply to guaranteed issue companies when they’d qualify for immediate death benefits options.  You only want to apply for a guaranteed acceptance life insurance policy as a last resort. Most likely you will qualify for a policy that pays an immediate death benefit.  God forbid something were to happen to you in the first two policy years, we’d want to make sure that your beneficiary would receive the full amount of the life insurance policy.</p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6397" src="https://www.diabetes365.org/wp-content/uploads/2021/03/210215135110-underscored-person-taking-medical-exam-for-life-insurance.jpg" alt="" width="1022" height="575" /></p>
<p>Everyone’s financial objectives are different. The amounts of coverage, and the type of policy you need will vary from person to person. Some individuals need a <a href="https://www.diabetes365.org/term-life-insurance-for-diabetics/">diabetes term life insurance policy</a> while others may benefit from <a href="https://www.diabetes365.org/what-is-the-difference-between-term-and-whole-life-insurance/">whole life insurance policies</a>.</p>
<p>No matter what type of diabetes you have, you would have no medical exam options available to you. It’s important that you fill out a quote request, or <a href="https://www.diabetes365.org/contact-us/">contact us </a>to discuss your options. Everyone’s diabetes profile is different. And so will their life insurance options. Speak with us, and let us provide you real and accurate Diabetes life insurance information. There is a lot of misinformation when it comes to diabetes and life insurance. Lean on us, and let our agents help you and your family find the best possible life insurance policy for your family today!</p>
<p>The Diabetes community has several life insurance options available to them. Especially when it comes to non medical exam options. It’s important to speak with an agent from <a href="https://www.diabetes365.org/">Diabetes 365</a>, and let us provide you the various life insurance options available to you.  Let us make the life insurance application process as simple as possible for yourself.</p>
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		<title>The Importance of Disclosing Your Diabetes Condition on Life Insurance Applications</title>
		<link>https://www.diabetes365.org/the-importance-of-disclosing-your-diabetes-condition-on-life-insurance-applications/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-importance-of-disclosing-your-diabetes-condition-on-life-insurance-applications</link>
		
		<dc:creator><![CDATA[Veronica Baxter]]></dc:creator>
		<pubDate>Sat, 24 Jul 2021 21:00:27 +0000</pubDate>
				<category><![CDATA[General Diabetes]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[diabetes]]></category>
		<category><![CDATA[Diabetes Condition]]></category>
		<category><![CDATA[Disclosing Diabetes]]></category>
		<category><![CDATA[Disclosing Your Diabetes]]></category>
		<category><![CDATA[Insurance Applications]]></category>
		<guid isPermaLink="false">https://www.diabetes365.org/?p=3571</guid>

					<description><![CDATA[Let’s say you have diabetes and need to obtain life insurance, or you already have life insurance and were just diagnosed with diabetes. Or what if you are a beneficiary to a life insurance policy and your claim for benefits was denied because the insured died from diabetes-related causes, and did not disclose that he ... <a title="The Importance of Disclosing Your Diabetes Condition on Life Insurance Applications" class="read-more" href="https://www.diabetes365.org/the-importance-of-disclosing-your-diabetes-condition-on-life-insurance-applications/" aria-label="More on The Importance of Disclosing Your Diabetes Condition on Life Insurance Applications">Read more</a>]]></description>
										<content:encoded><![CDATA[<p><span style="font-weight: 400;">Let’s say you have </span><a href="https://www.diabetes365.org/blog/life-insurance/"><span style="font-weight: 400;">diabetes and need to obtain life insurance</span></a><span style="font-weight: 400;">, or you already have life insurance and were just diagnosed with diabetes. Or what if you are a beneficiary to a life insurance policy and your claim for benefits was denied because the insured died from diabetes-related causes, and did not disclose that he or she had diabetes?</span></p>
<p><span style="font-weight: 400;">This article will explore the nexus between diabetes and life insurance, for both the insured and his or her beneficiaries. </span><span style="font-weight: 400;">We know many people out there don’t quite understand that it is imperative to be 100% honest when you apply for life insurance with diabetes.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6332" src="https://www.diabetes365.org/wp-content/uploads/2021/07/life-insurance-gender-hap.jpg" alt="" width="929" height="619" srcset="https://www.diabetes365.org/wp-content/uploads/2021/07/life-insurance-gender-hap.jpg 1400w, https://www.diabetes365.org/wp-content/uploads/2021/07/life-insurance-gender-hap-300x200.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/07/life-insurance-gender-hap-1024x682.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2021/07/life-insurance-gender-hap-768x512.jpg 768w" sizes="(max-width: 929px) 100vw, 929px" /></p>
<div class="apoints">
<h2><strong>Quick Article Guide</strong></h2>
<p>Here’s what we&#8217;ll cover in this post:</p>
<ul>
<li aria-level="1"><a href="#1">Disclosing Your Diabetes Condition on the Application</a></li>
<li aria-level="1"><a href="#2">What if I get Diagnosed with Diabetes After I have a Policy?</a></li>
<li aria-level="1"><a href="#3">Will Death Benefits be Paid if I Die due to Diabetes Complications?</a></li>
<li aria-level="1"><a href="#4">If Your Diabetes was not Disclosed will the Death Claim be paid?</a></li>
<li aria-level="1"><a href="#5">Will Claims be Paid if I die from Non Diabetes Health Issue?</a></li>
<li aria-level="1"><a href="#6">Final Thoughts</a></li>
</ul>
</div>
<h2 id="1"><strong>Disclosing Diabetes to the Life Insurance Company</strong></h2>
<h3><span style="font-weight: 400;">The Life Insurance Application and Medical Questionnaire</span></h3>
<p><span style="font-weight: 400;">If you know you have </span><a href="https://www.diabetes365.org/gestational-diabetes-and-life-insurance/"><span style="font-weight: 400;">gestational diabetes</span></a><span style="font-weight: 400;">,  </span><a href="https://www.diabetes365.org/life-insurance-for-type-1-diabetics/"><span style="font-weight: 400;">Type 1</span></a><span style="font-weight: 400;"> or </span><a href="https://www.diabetes365.org/tips-for-getting-life-insurance-with-type-2-diabetes/"><span style="font-weight: 400;">Type 2 diabetes</span></a><span style="font-weight: 400;">, this must be disclosed on your application for life insurance and medical questionnaire. If you fail to disclose it, your life insurance company will deny your beneficiaries’ death benefit claims due to misrepresentation. Every life insurance company will ask about a history of diabetes on the health question portion of the application.</span></p>
<p><span style="font-weight: 400;">Why can claims be denied due to misrepresentation on a life insurance application? Simply put, the insurance company would have charged you higher premiums or perhaps not insured you at all had it known of your condition. In the event an insurance company discovers undisclosed health conditions at time of your application, this gives them the right to contest your death claim.  And to possibly not pay it out to the designated beneficiary.  </span></p>
<p><span style="font-weight: 400;">When you apply for life insurance coverage, life insurance companies will do what is referred to as an underwriting process.  This underwriting process may require a review of :</span></p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Recent medical records </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">A </span><a href="https://www.diabetes365.org/what-to-expect-with-a-paramedical-exam/"><span style="font-weight: 400;">paramedical examination</span></a></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Prescription drug review</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Motor Vehicle Report </span></li>
<li style="font-weight: 400;"><a href="https://diabeteslifesolutions.com/what-is-the-medical-information-bureau/"><span style="font-weight: 400;">Medical Information Bureau</span></a><span style="font-weight: 400;"> review, </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Or even a credit check in some situations involving higher amounts of coverage</span></li>
</ul>
<p><span style="font-weight: 400;">It will be very tough to hide your condition of any type of diabetes on insurance applications.  However, if you do apply to a company that doesn’t require any of these background reports, there may be a chance that your omission of diabetes will slip by.</span></p>
<p><span style="font-weight: 400;">Many people are under the assumption that a </span><a href="https://www.diabetes365.org/non-medical-exam-life-insurance/"><span style="font-weight: 400;">no medical exam life insurance policy</span></a><span style="font-weight: 400;"> will guarantee you of being approved.  That is not the case.  Life insurance carriers who do not require medical records nor blood/urine testing will do a MIB and prescription drug background check.  If you check NO for diabetes history or treatment, and the company sees you are being prescribed medication for diabetes, you will be </span><a href="https://www.diabetes365.org/what-to-do-if-declined-for-life-insurance-with-diabetes/"><span style="font-weight: 400;">declined</span></a><span style="font-weight: 400;"> on the spot.</span></p>
<p><span style="font-weight: 400;">We cannot stress enough that you always want to be 100% honest on any type of insurance application.  Lying on an application is illegal, and could cause for your death claim to not pay out to your family. Or if an insurance company catches you lying, they can always cancel your policy at a future date.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-6329" src="https://www.diabetes365.org/wp-content/uploads/2021/07/Canva-Health-Life-Insurance-Application-Form-Concept.jpg" alt="" width="1000" height="667" srcset="https://www.diabetes365.org/wp-content/uploads/2021/07/Canva-Health-Life-Insurance-Application-Form-Concept.jpg 1000w, https://www.diabetes365.org/wp-content/uploads/2021/07/Canva-Health-Life-Insurance-Application-Form-Concept-300x200.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/07/Canva-Health-Life-Insurance-Application-Form-Concept-768x512.jpg 768w" sizes="(max-width: 1000px) 100vw, 1000px" /></p>
<h2 id="2"></h2>
<h2><strong>What if I get Diagnosed with Diabetes After I have a Policy?</strong></h2>
<p><span style="font-weight: 400;">For many people, you may have already obtained a life insurance policy at a younger age before you were diagnosed with diabetes.  If this is the case, you do NOT have to notify your agent or your insurance company.</span></p>
<p><span style="font-weight: 400;">Life insurance companies issue your policy based on your health at time of application.  If your health were to change after you have a policy, your rates will not increase, nor will you be dropped from the policy. Again, any time you have a change in health, there is NO reason to contact your insurance agent, nor insurance carrier.</span></p>
<p><span style="font-weight: 400;">In the event you would reapply for an additional life insurance policy in the future, the new policy would be ‘priced’ off your current overall health.  Having diabetes will more than likely make your policy more expensive compared to a person who doesn’t have a type of diabetes.  While we feel it’s unfair, it’s the reality of the situation.  Life insurance underwriters always view a person with diabetes as a higher risk compared to a non diabetic.</span></p>
<p><span style="font-weight: 400;">It would be wise to contact </span><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">Diabetes 365</span></a><span style="font-weight: 400;">, share with us your diabetes and health profile, and allow us the opportunity to explore what life insurance options are available to you.  Being specialists in all things diabetes and life insurance related we promise to help you obtain the best life insurance policies possible.</span></p>
<h2 id="3"><strong>Getting Death Benefits Paid when the Insured Died from Complications Related to Diabetes</strong></h2>
<h4><span style="font-weight: 400;">If Diabetes was Disclosed, the Death Benefit Should Be Paid</span></h4>
<p><span style="font-weight: 400;">If for some reason your claim for death benefits was denied and the insured’s cause of death was related to diabetes, you need to find out the reason the claim was denied.  Frequently insurance companies will deny death benefit claims when the insured died while abroad, within the 2-year contestability period, or under circumstances which indicate that it might have been murder or suicide.</span></p>
<p><span style="font-weight: 400;">When a person passes away in the first 24 months of a policy, the life insurance company has the ability to contest the death claim.  They may re-review medical records, foreign travel history, or search for other lifestyle issues that may not have been disclosed previously.  We’ve even heard of investigators reviewing social media platforms for any type of evidence that may show you were not honest about your lifestyle.  In event they find any material misrepresentations on the application, they can deny the death claim.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6325" src="https://www.diabetes365.org/wp-content/uploads/2021/07/tom-brunberg-D4ZtZX1UeAI-unsplash.jpg" alt="" width="946" height="717" srcset="https://www.diabetes365.org/wp-content/uploads/2021/07/tom-brunberg-D4ZtZX1UeAI-unsplash.jpg 1920w, https://www.diabetes365.org/wp-content/uploads/2021/07/tom-brunberg-D4ZtZX1UeAI-unsplash-300x228.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/07/tom-brunberg-D4ZtZX1UeAI-unsplash-1024x777.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2021/07/tom-brunberg-D4ZtZX1UeAI-unsplash-768x582.jpg 768w, https://www.diabetes365.org/wp-content/uploads/2021/07/tom-brunberg-D4ZtZX1UeAI-unsplash-1536x1165.jpg 1536w" sizes="(max-width: 946px) 100vw, 946px" /></p>
<p><span style="font-weight: 400;">In these cases, if the cause of death was related to diabetes and the insured disclosed his or her condition to the insurance company, the initial denial can be overturned and the benefit, while delayed, will be paid.  By law, an insurance company must pay the full death benefit to the listed beneficiaries. As you very well know, many people with diabetes may have a complication such as <a href="https://www.cedars-sinai.org/health-library/diseases-and-conditions/d/diabetic-neuropathy.html">Neuropathy</a> or <a href="https://diabeteslifesolutions.com/life-insurance-with-diabetic-retinopathy/">Retinopathy</a>.</span></p>
<h2 id="4"><strong>If Diabetes was not Disclosed, the Death Benefit Might Still Be Paid</strong></h2>
<h3><span style="font-weight: 400;">What if the Insured did not know he or she had diabetes?</span></h3>
<p><span style="font-weight: 400;">If the insured died of diabetes-related causes and did not know he or she had diabetes, the insurance company only has an argument to deny payment of the death benefit if it can show that the insured had to have known about his or her condition and failed to disclose it. </span><span style="font-weight: 400;">It sounds crazy, but sometimes a person may be an </span><a href="https://www.emedicinehealth.com/most_common_symptoms_of_undiagnosed_diabetes/article_em.htm"><span style="font-weight: 400;">undiagnosed diabetic </span></a><span style="font-weight: 400;">at the time of applying for life insurance.</span></p>
<p><span style="font-weight: 400;">If there is any evidence at all that the insured knew he or she had diabetes, the insurance company might settle with the beneficiaries for some amount less than the full benefit to take into consideration the higher premiums the insured should have been paying as a diabetic.</span></p>
<p><span style="font-weight: 400;">Issues like these rarely ever occur.  If a person is seeing a Doctor on a regular basis, they will have updated blood work that is tested for diabetes.  These lab results will show if a person is pre-diabetic, or if they actually fall in the range of having type 1 or type 2 diabetes.  When your Doctor reviews your lab results, A1C results will be included.  Any medical practitioner will be aware of elevated </span><a href="https://www.diabetes365.org/how-your-a1c-affects-your-life-insurance-rates/"><span style="font-weight: 400;">A1C levels</span></a><span style="font-weight: 400;"> and will be able to properly diagnose a diabetes diagnosis.</span></p>
<h3><span style="font-weight: 400;">What if the insured knew but did not update his or her life insurance policy?</span></h3>
<p><span style="font-weight: 400;">Death claim will 100% be paid to the beneficiary.  Again, your health profile and eligibility is determined at the time of application.  If your health changes in the future, and your policy is in force at time of death, the insurance company by law must pay out the full death benefit. We</span><span style="font-weight: 400;"> assure you that getting diabetes after your insurance policy is issued will not impact current rates, nor the payout of the death benefit.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-6331" src="https://www.diabetes365.org/wp-content/uploads/2021/07/Sullivan-Meaghan-Cook-Maran-detailed-accurate-application-1.jpg" alt="" width="1024" height="683" srcset="https://www.diabetes365.org/wp-content/uploads/2021/07/Sullivan-Meaghan-Cook-Maran-detailed-accurate-application-1.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2021/07/Sullivan-Meaghan-Cook-Maran-detailed-accurate-application-1-300x200.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/07/Sullivan-Meaghan-Cook-Maran-detailed-accurate-application-1-768x512.jpg 768w" sizes="(max-width: 1024px) 100vw, 1024px" /></p>
<h2 id="5"><strong>Getting Death Benefits Paid When a Diabetic Insured Died from Other Causes</strong></h2>
<p><span style="font-weight: 400;">If the insured had diabetes and failed to disclose it, and died within the 2-year contestability period, the insurance company will deny death benefit claims due to misrepresentation.  An experienced life insurance lawyer can help beneficiaries get paid by arguing that the cause of death had nothing to do with undisclosed diabetes.</span></p>
<h4><span style="font-weight: 400;">AD&amp;D Claims When the Insured has Diabetes</span></h4>
<p><span style="font-weight: 400;">“Accidental Death and Dismemberment” policies provide coverage when an insured is injured or dies as a result of an accident. Death from diabetes is not an accident as it is death due to complications from the disease. For this reason, death benefits will likely not be paid if the death was caused by complications related to diabetes.</span></p>
<p><span style="font-weight: 400;">However, if an insured with diabetes dies or is severely injured accidentally, in some way unrelated to diabetes, the AD&amp;D policy will payout. For example, if the insured is thrown from a horse, or is in a car accident, or falls while skiing, these are all accidents covered under AD&amp;D.</span></p>
<h2 id="6">Final Thoughts</h2>
<p><span style="font-weight: 400;">In conclusion, if you have diabetes and you are applying for  life insurance, you must disclose your condition to the life insurance company if you expect your beneficiaries to be paid. If you do not, you risk denial of your beneficiaries’ claims. Why would you do that when you have been paying premiums all these years?  There is no reason why you would want to jeopardize the payout to your family, or to the designated beneficiary.</span></p>
<p><span style="font-weight: 400;">Diabetes 365 was created to be an online resource that covers everything that is diabetes related.  Especially life insurance related topics involving a person with diabetes.  We love helping out those who have a type of diabetes obtain the best possible life insurance policy possible.</span></p>
<p><span style="font-weight: 400;">Diabetes Life Insurance experts at </span><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">Diabetes 365</span></a><span style="font-weight: 400;"> are always happy to speak with you, and answer any questions you may have about the life insurance application process.  We only work with the diabetes community, so we understand your concerns and are happy to answer any questions.  Please </span><a href="https://www.diabetes365.org/contact-us/"><span style="font-weight: 400;">contact us</span></a><span style="font-weight: 400;"> at 844-281-1503 to speak with a licensed agent.</span></p>
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		<title>6 Tips for First Time Diabetes Life Insurance Shoppers</title>
		<link>https://www.diabetes365.org/5-tips-for-shopping-for-life-insurance/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=5-tips-for-shopping-for-life-insurance</link>
		
		<dc:creator><![CDATA[Matt Schmidt]]></dc:creator>
		<pubDate>Tue, 16 Feb 2021 05:34:33 +0000</pubDate>
				<category><![CDATA[Financial Tips]]></category>
		<category><![CDATA[General Diabetes]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[5 tips for life insurance]]></category>
		<category><![CDATA[control of diabetes]]></category>
		<category><![CDATA[diabetes]]></category>
		<category><![CDATA[diabetes 365]]></category>
		<category><![CDATA[shopping for life insurance]]></category>
		<guid isPermaLink="false">https://diabetes365.org/?p=1808</guid>

					<description><![CDATA[Shopping for life insurance with Diabetes? You probably have many questions, like “How do I know which policy to choose?” or “what company should I go with?” or even “can diabetics get life insurance?” Having a conversation about life insurance is never a pleasant topic, but it’s an extremely important one. Unfortunately, having diabetes makes ... <a title="6 Tips for First Time Diabetes Life Insurance Shoppers" class="read-more" href="https://www.diabetes365.org/5-tips-for-shopping-for-life-insurance/" aria-label="More on 6 Tips for First Time Diabetes Life Insurance Shoppers">Read more</a>]]></description>
										<content:encoded><![CDATA[<p><span style="font-weight: 400;">Shopping for life insurance with Diabetes? You probably have many questions, like “How do I know which policy to choose?” or “what company should I go with?” or even “</span><a href="https://www.diabetes365.org/blog/life-insurance/"><span style="font-weight: 400;">can diabetics get life insurance</span></a><span style="font-weight: 400;">?” <a href="https://www.diabetes365.org/how-to-have-the-conversation-no-one-wants-to-have-preparing-financially-for-a-loss/">Having a conversation about life insurance</a> is never a pleasant topic, but it’s an extremely important one.</span></p>
<p><span style="font-weight: 400;">Unfortunately, having diabetes makes ‘shopping for life insurance’ a little more challenging. And when you first go on the internet, you’ll see so many sites, and advertisements, your head will spin!! Sadly there is a lot of misinformation when it comes to life insurance and diabetes.  Simply stated, many websites will provide fake or misleading life insurance information. </span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-3798 size-full" src="https://www.diabetes365.org/wp-content/uploads/2018/12/Online-Wallpaper-Shopping-1.jpg" alt="" width="1000" height="667" srcset="https://www.diabetes365.org/wp-content/uploads/2018/12/Online-Wallpaper-Shopping-1.jpg 1000w, https://www.diabetes365.org/wp-content/uploads/2018/12/Online-Wallpaper-Shopping-1-300x200.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2018/12/Online-Wallpaper-Shopping-1-768x512.jpg 768w" sizes="(max-width: 1000px) 100vw, 1000px" /></p>
<p><span style="font-weight: 400;">We’ll warn you that websites like Fidelity Life, Investopedia, Value Penguin and several others simply provide false information when it comes to life insurance and diabetes. Their articles are written by people who have NO life insurance background, nor do they have any insight into which companies are best for people with diabetes.  Companies mentioned on their website simply pay them money to advertise.  Don’t get tricked by websites like this, as it’ll lead to you over paying for life insurance.</span></p>
<p><span style="font-weight: 400;">This is an important decision that can impact you and your family’s future, even after you are gone. Whether it’s your first time </span><a href="https://www.diabetes365.org/blog/life-insurance/"><span style="font-weight: 400;">buying life insurance</span></a><span style="font-weight: 400;"> or not, everybody should know these <a href="https://www.diabetes365.org/tips-for-logging-your-health-for-a-better-life-insurance-rating/">important tips when shopping around for the right diabetic life insurance policy</a>.  Below are some tips we’d like to share if you have Diabetes and are searching for life insurance.</span></p>
<div class="apoints">
<h2><strong>Quick Article Guide</strong></h2>
<p>Here’s what we&#8217;ll cover in this post:</p>
<ul>
<li aria-level="1"><a href="#1">Why Do You Need Life Insurance?</a></li>
<li aria-level="1"><a href="#2">Understand that Life Insurance with Diabetes May Cost More</a></li>
<li aria-level="1"><a href="#3">Work With Specialists Who ONLY Work With Diabetics</a></li>
<li aria-level="1"><a href="#4">Determine How Much Coverage You Need</a></li>
<li aria-level="1"><a href="#5">Life Insurance is for Protection; Not An Investment</a></li>
<li aria-level="1"><a href="#6">Check Out The Benefit Riders For Each Policy</a></li>
<li aria-level="1"><a href="#7">Final Thoughts</a></li>
</ul>
</div>
<h2 id="1">Why Do I Need Life Insurance?</h2>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-2944 size-full" src="https://www.diabetes365.org/wp-content/uploads/2017/04/term-life-insurance-whole-life-insurance-infographic-opengraph-1.jpg" alt="" width="600" height="315" srcset="https://www.diabetes365.org/wp-content/uploads/2017/04/term-life-insurance-whole-life-insurance-infographic-opengraph-1.jpg 600w, https://www.diabetes365.org/wp-content/uploads/2017/04/term-life-insurance-whole-life-insurance-infographic-opengraph-1-300x158.jpg 300w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p><span style="font-weight: 400;">When you first begin looking into life insurance, please ask yourself this question. The answer will be a GREAT first step for you, into determining what type of policy is ideal for you. Everyone’s financial situation is different, so there isn’t any ONE type of life insurance policy that fits everyone&#8217;s needs. </span><span style="font-weight: 400;">Perhaps you are a </span><a href="https://www.diabetes365.org/a-complete-guide-to-life-insurance-for-new-parents/"><span style="font-weight: 400;">new parent</span></a><span style="font-weight: 400;">, and life insurance is an extremely important financial product for your growing family.</span></p>
<p><span style="font-weight: 400;">When shopping for life insurance, you will hear many different terms and you should know what they mean. It’s important to learn the basics, such as the </span><a href="https://www.diabetes365.org/what-is-the-difference-between-term-and-whole-life-insurance/"><span style="font-weight: 400;">difference between term life insurance and whole life (permanent) insurance</span></a><span style="font-weight: 400;">. </span></p>
<h4 style="padding-left: 30px;"><strong>+ Whole Life Insurance</strong></h4>
<p style="padding-left: 30px;"><span style="font-weight: 400;">Protects you until the day you die. When you pass away, your beneficiary will collect your death benefit. However, whole life insurance policies are one of the most expensive types of permanent life insurance, available to the diabetes community. For certain individuals, whole life insurance policies are a perfect fit.</span></p>
<h4 style="padding-left: 30px;"><strong>+ Term Life Insurance</strong></h4>
<p style="padding-left: 30px;"><span style="font-weight: 400;">With </span><a href="https://www.diabetes365.org/term-life-insurance-for-diabetics/"><span style="font-weight: 400;">term life insurance</span></a><span style="font-weight: 400;">, you are only covered for a particular period of time. If you live longer than a term life insurance policy specifies, the policy becomes invalid and nobody receives your death benefit. You can either purchase another term policy or choose to live without life insurance at that point. While term life insurance will not cover your complete life, it will provide the lowest priced option for you initially. Many people take out multiple term life policies, to address various financial needs. </span></p>
<p><span style="font-weight: 400;">Generally, younger consumers may want to consider taking out term coverage, and also a form of permanent life insurance.  This strategy can help provide the proper amount of life insurance for your family today, and lock in permanent coverage at rates that would be much cheaper than if you waited into your 50’s or 60’s to </span><a href="https://www.usaa.com/inet/pages/insurance_life_permanent"><span style="font-weight: 400;">secure permanent life insurance</span></a><span style="font-weight: 400;">.</span></p>
<p><span style="font-weight: 400;">We’d also like to point out you are NOT restricted to just one type of policy. Many people may need term life insurance, and a permanent life insurance policy. Don’t let all this sound confusing. </span><a href="https://www.diabetes365.org/contact-us/"><span style="font-weight: 400;">Contact us</span></a><span style="font-weight: 400;">, and our agents will work with you to help determine what policy, or policies are in your best interest. Depending on your financial budget, you may need to start with a term life insurance policy initially, and eventually purchase a permanent policy at a later date. </span><span style="font-weight: 400;">Everyone’s financial situation is unique, and the life insurance strategy that’s best for your situation will be different than your neighbors.</span></p>
<h2 id="2">Understand that Life Insurance with Diabetes May Cost More</h2>
<p><span style="font-weight: 400;">Having a chronic disease such as Diabetes doesn’t mean you’ll automatically be <a href="https://www.diabetes365.org/what-to-do-if-declined-for-life-insurance-with-diabetes/">declined for life insurance</a>. However, life insurance companies are going to make offers of coverage, based on your Diabetes history, and control of Diabetes.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6308" src="https://www.diabetes365.org/wp-content/uploads/2021/02/sharon-mccutcheon-8a5eJ1-mmQ-unsplash.jpg" alt="" width="966" height="644" /></p>
<p><span style="font-weight: 400;">If you have type 1 diabetes, chances are your policies will be higher priced, compared to people with type 2 diabetes. </span><a href="https://www.diabetes365.org/life-insurance-for-type-1-diabetics/"><span style="font-weight: 400;">Life insurance for type 1 diabetics</span></a><span style="font-weight: 400;"> isn’t impossible to obtain, but in terms of life insurance carriers, you’ll be limited. Most type 1 diabetics will receive offers 25% to 50% higher priced, compared to non diabetics. All life insurance companies will view your health differently, so it’s important to work with agencies like Diabetes 365, to help you find the best carrier for you. Use our expertise to help you find the most competitively priced policies available to you.</span></p>
<p><span style="font-weight: 400;">People with type 2 diabetes tend to receive better rates compared to people living with type 1 diabetes. Not only that, but there’ll be many more options available. Several companies will offer </span><a href="https://www.diabetes365.org/non-medical-exam-life-insurance/"><span style="font-weight: 400;">no medical exam life insurance</span></a><span style="font-weight: 400;"> coverage to type diabetics. Most people with type 2 diabetes will pay life insurance rates, similar to people without diabetes. Standard rates are easily obtained. And depending on your overall health profile, some companies will offer Preferred rates! Depending on your <a href="https://www.diabetes365.org/how-your-a1c-affects-your-life-insurance-rates/">A1C history</a>, and overall health profile, you should have several life insurance companies to choose from.</span></p>
<h2 id="3">Work With Specialists Who ONLY Work With Diabetics</h2>
<p><span style="font-weight: 400;">Having diabetes, and searching for life insurance will require just a little more work. Several websites out there advertise ‘fake’ quotes to people with diabetes. Or most importantly, they don’t understand how to work with the diabetes community!!! Sadly, applying with the wrong company or agent <a href="https://www.diabetes365.org/what-to-do-if-declined-for-life-insurance-with-diabetes/">can lead to a decline in coverage</a>, or higher rates.</span></p>
<p><span style="font-weight: 400;">You need to work with agents who SPECIALIZE in life insurance with diabetes. We know all the </span><a href="https://www.diabetes365.org/tips-for-getting-life-insurance-with-type-2-diabetes/"><span style="font-weight: 400;">tips to help you get the most competitive rates</span></a><span style="font-weight: 400;">! This could be the difference in getting approved or declined all together. Or this could help save you THOUSANDS of dollars over the lifetime of the insurance policy.</span></p>
<p><span style="font-weight: 400;"> Many agents are not properly trained. That’s why </span><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">Diabetes 365</span></a><span style="font-weight: 400;"> was created, to assist you and your family in obtaining the proper coverage. We work with all the major life insurance carriers, and most importantly have ‘special’ relationships with these underwriters. This helps us insure that we can get the best possible life insurance offers for your clients. Depending on your overall health profile, and <a href="https://www.diabetes365.org/safe-exercises-for-people-with-diabetes/">control of Diabetes</a>, we’ll be able to recommend the best life insurance companies for your current situation.</span></p>
<h3><img loading="lazy" decoding="async" class="aligncenter wp-image-3098 size-full" src="https://www.diabetes365.org/wp-content/uploads/2018/12/Best-Term-Life-Insurance-Companies-in-2016-1.png" alt="" width="725" height="375" srcset="https://www.diabetes365.org/wp-content/uploads/2018/12/Best-Term-Life-Insurance-Companies-in-2016-1.png 725w, https://www.diabetes365.org/wp-content/uploads/2018/12/Best-Term-Life-Insurance-Companies-in-2016-1-300x155.png 300w" sizes="(max-width: 725px) 100vw, 725px" /></h3>
<p><span style="font-weight: 400;">Life insurance is not a quick, frequent purchase. Don’t think that you are going to shop and sign with a life insurance company in a day. It is vital to get quotes from multiple life insurance companies and compare their offerings. Good news is, we do all this for you!!!!</span></p>
<p><span style="font-weight: 400;"> We will educate you, and explain what each policy entails, and the differences between them. With doing this, you can ensure that you are going with the policy that suits your needs the best and also has the best possible rate. </span><span style="font-weight: 400;">You don’t want to be stuck with a policy that you cannot afford or isn’t right for you.  When working with us, you’ll receive real and accurate life insurance quotes.  We will not bait and switch you like other websites such as Policy Genius and SelectQuote do.  Do not get tricked by websites like this showing you unrealistic life insurance quotes.</span></p>
<h2 id="4">Determine How Much Coverage You Need</h2>
<p><span style="font-weight: 400;">Having the right amount of life insurance is a must! But </span><a href="https://www.diabetes365.org/how-much-life-insurance-do-i-need/"><span style="font-weight: 400;">how do you calculate the amount of life insurance you need</span></a><span style="font-weight: 400;">? Don’t be afraid to try to compute some numbers yourself. You are the person who knows your own financial situation the best. We are also happy to assist, and to ‘brainstorm’ with you.</span></p>
<p><span style="font-weight: 400;">We understand that the amount of the life insurance premiums will help dictate how much life insurance you can comfortably afford. And since diabetics tend to pay higher rates, you may not be able to afford as much life insurance, as you’d like. However, when working with agencies like Diabetes 365, we’ll work with you, and help you find the lowest available policies!!</span></p>
<blockquote><p><span style="font-weight: 400;">A common but outdated method is the rule of 10. </span><span style="font-weight: 400;">This means to multiply your income by 10, and that tells you how much life insurance you need. In our opinion, this amount would be the MINIMUM amount of life insurance you’d need.</span></p></blockquote>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6306" src="https://www.diabetes365.org/wp-content/uploads/2021/02/pickawood-gf8e6XvG_3E-unsplash.jpg" alt="" width="1009" height="673" /></p>
<p><span style="font-weight: 400;">Other ways to calculate an amount of coverage, is to add up your debt, (college loans, mortgages, credit card debt) factor in the cost of raising your children and higher education for them, as well as the number of years you’d like to replace your income. You may even want to factor in if you’d like to leave any life insurance proceeds to charities. IF that’s the case, you would want to add this amount to the total.</span></p>
<p><span style="font-weight: 400;">No one has the same needs and amounts, so it’s tough to throw out advice just recommending one amount of coverage. If you are unsure of the right amount of life insurance, just give us a quick call. We’ll be more than happy to work alongside you.</span></p>
<h2 id="5">Life Insurance is for Protection; Not An Investment</h2>
<p><span style="font-weight: 400;">Life insurance should not be looked at as the same kind of investment as a mutual fund. Term insurance provides protection only, without a savings component. </span></p>
<p><span style="font-weight: 400;">Whole life (permanent) policies do accumulate a cash value over time that can be borrowed against or withdrawn, if needed, but hold many restrictions regarding when the money is actually available to you. If you borrow against the cash value, you may also be charged interest, depending on the situation and individual policy.</span></p>
<p><span style="font-weight: 400;">Other types of insurance policies, such as <a href="https://smartasset.com/retirement/indexed-universal-life-insurance-iul">Indexed Universal Life</a>, offer in addition to a death benefit, an accumulated cash value account. According to </span><span style="font-weight: 400;">Investopedia</span><span style="font-weight: 400;">, </span><span style="font-weight: 400;">Indexed universal life (IUL)</span><span style="font-weight: 400;"> allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&amp;P 500 or the Nasdaq 100. IUL policies are more volatile than fixed ULs, but less risky than variable universal life policies because no money is actually invested in equity positions. </span><span style="font-weight: 400;">While certain life insurance policies can accumulate cash value, they are NOT actually investments.  The main feature of every life insurance policy is to provide a specific level of protection for your family.</span></p>
<h2 id="6">Check Out The Benefit Riders For Each Policy</h2>
<p><span style="font-weight: 400;">Policy benefits riders, or benefit add-ons differ in each policy. Some riders come standard, while others cost a premium. Comprehending different policy riders such as an accelerated death benefit rider, child rider, waiver of premium rider, etc., may help you determine if paying a little bit more for a policy that comes with built-in benefits is worth the extra cost.</span></p>
<blockquote><p><span style="font-weight: 400;">Do not buy any extra riders until you fully understand what they mean and if you actually need them. </span></p></blockquote>
<p><span style="font-weight: 400;"> For example, if you are diagnosed as terminally ill, the accelerated death benefit rider lets you access your payout. It might include a life expectancy of 12 months or less, but pay attention because the rules of each plan differs. It may be included with your policy or you may be charged additional fees.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6310" src="https://www.diabetes365.org/wp-content/uploads/2021/02/clay-banks-c2a0TydMlAs-unsplash-1.jpg" alt="" width="963" height="642" srcset="https://www.diabetes365.org/wp-content/uploads/2021/02/clay-banks-c2a0TydMlAs-unsplash-1.jpg 1920w, https://www.diabetes365.org/wp-content/uploads/2021/02/clay-banks-c2a0TydMlAs-unsplash-1-300x200.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/02/clay-banks-c2a0TydMlAs-unsplash-1-1024x683.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2021/02/clay-banks-c2a0TydMlAs-unsplash-1-768x512.jpg 768w, https://www.diabetes365.org/wp-content/uploads/2021/02/clay-banks-c2a0TydMlAs-unsplash-1-1536x1025.jpg 1536w" sizes="(max-width: 963px) 100vw, 963px" /></p>
<p><span style="font-weight: 400;">Many riders are available to people with diabetes. Again, don’t feel like you are on your own, when it comes to thes</span><span style="font-weight: 400;">e issues. We are here to assist, and to recommend suitable riders for you.  We love finding diabetes clientele</span><a href="https://www.midlandnational.com/explore-life-insurance"><span style="font-weight: 400;"> life insurance policies</span></a><span style="font-weight: 400;"> with living benefit riders that are offered at NO EXTRA cost to you.  If you’re a consumer, wouldn’t you love to have life insurance with ‘free’ terminal, critical, and chronic illness riders?</span></p>
<p><span style="font-weight: 400;">Many riders are available to people with diabetes. Again, don’t feel like you are on your own, when it comes to these issues. We are here to assist, and to recommend suitable riders for you.</span></p>
<p><span style="font-weight: 400;">Diabetics have nearly all the same options when it comes to life insurance, as people without this disease. The problem is, the diabetes community is going to the wrong websites to find information, and are being mislead.  Don’t make this mistake.  <a href="https://www.diabetes365.org/">Diabetes 365</a> was founded to assist diabetics through the life insurance process. To receive information, simply do an inquiry, or give us a quick call.<br />
</span></p>
<h2 id="7"><b>Final Thoughts</b></h2>
<p><span style="font-weight: 400;">Let us do all the ‘hard work’, on your behalf. An agent will discuss all the options that you’d have available. WE make the entire application process a ‘breeze’ for you!  Finding life insurance with any type of diabetes doesn’t have to be difficult when working with an agent who’s knowledgeable. </span></p>
<p><span style="font-weight: 400;">Having a form of diabetes does make obtaining life insurance ‘slightly’ more challenging.  This is due to NOT being able to qualify for Preferred Plus rates that are advertised to the masses.  It’s important to have realistic expectations as you begin the application process.  By this we mean that you’ll most likely pay higher prices for life insurance and not qualify for all the policies that people without diabetes qualify for.</span></p>
<p><span style="font-weight: 400;">We love working with the diabetes community to help secure the best possible life insurance policy.  Let us earn you trust,and help you out. We’ll make the entire application process as easy as possible.  </span><a href="https://www.diabetes365.org/contact-us/"><span style="font-weight: 400;">Contact us</span></a><span style="font-weight: 400;"> today and let us go to work for you and your family.</span></p>
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		<title>What to Do if Declined for Life Insurance with Diabetes &#124; 2025 Guide</title>
		<link>https://www.diabetes365.org/what-to-do-if-declined-for-life-insurance-with-diabetes/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-to-do-if-declined-for-life-insurance-with-diabetes</link>
		
		<dc:creator><![CDATA[Matt Schmidt]]></dc:creator>
		<pubDate>Sun, 04 Jul 2021 04:00:30 +0000</pubDate>
				<category><![CDATA[General Diabetes]]></category>
		<category><![CDATA[Insurance]]></category>
		<guid isPermaLink="false">https://www.diabetes365.org/?p=3274</guid>

					<description><![CDATA[There are few things worse than knowing you need something as important as life insurance – and being told you can’t get it. Frustrating beyond belief.  Nobody enjoys discussing, or purchasing life insurance coverage.  What is even more frustrating is getting declined life insurance because of diabetes. Simply stated, many people who have a form ... <a title="What to Do if Declined for Life Insurance with Diabetes &#124; 2025 Guide" class="read-more" href="https://www.diabetes365.org/what-to-do-if-declined-for-life-insurance-with-diabetes/" aria-label="More on What to Do if Declined for Life Insurance with Diabetes &#124; 2025 Guide">Read more</a>]]></description>
										<content:encoded><![CDATA[<p><span style="font-weight: 400;">There are few things worse than knowing you need something as important as life insurance – and being told you can’t get it. Frustrating beyond belief.  Nobody enjoys discussing, or purchasing life insurance coverage.  What is even more frustrating is getting declined life insurance because of</span><a href="https://www.who.int/news-room/fact-sheets/detail/diabetes"><span style="font-weight: 400;"> diabetes</span></a><span style="font-weight: 400;">.</span></p>
<p><span style="font-weight: 400;">Simply stated, many people who have a form of diabetes will be declined for life insurance.  Please understand that every life insurance company will have their own set of</span><a href="https://www.irmi.com/term/insurance-definitions/underwriting"><span style="font-weight: 400;"> underwriting guidelines</span></a><span style="font-weight: 400;">.  One company may automatically decline you due to your Diabetes history, where another company may gladly accept your health profile.</span></p>
<p><span style="font-weight: 400;">Unfortunately, many agents or agencies are not properly trained to work with the diabetes community.  Simply stated they do not know what they are doing, and are misleading you.  Websites like Investopedia, Policy Genuis, and Value Penguin provide content and information that’s not even written by licensed insurance agents.  They’ve never worked with anyone who has a type of diabetes in finding the proper life insurance provider.  Imagine taking advice from people who literally have zero experience in providing life insurance coverage to families.</span></p>
<p><span style="font-weight: 400;">If you have ever applied for </span><a href="https://www.diabetes365.org/blog/life-insurance/"><span style="font-weight: 400;">life insurance</span></a><span style="font-weight: 400;"> to protect your family and been declined due to diabetes, then you know the feeling.  Every year thousands of people are </span><a href="https://www.diabetes365.org/what-to-do-if-declined-for-life-insurance-with-diabetes/"><span style="font-weight: 400;">declined life insurance due to Diabetes</span></a><span style="font-weight: 400;">.  The reasons for being declined vary from applicant to applicant.  But oftentimes it simply comes down to applying to the wrong life insurance company or product.  These are very easy corrections to make when working with us.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-3295 size-full" src="https://www.diabetes365.org/wp-content/uploads/2019/06/iStock_000000296911Small-1.jpg" alt="" width="848" height="566" srcset="https://www.diabetes365.org/wp-content/uploads/2019/06/iStock_000000296911Small-1.jpg 848w, https://www.diabetes365.org/wp-content/uploads/2019/06/iStock_000000296911Small-1-300x200.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2019/06/iStock_000000296911Small-1-768x513.jpg 768w" sizes="(max-width: 848px) 100vw, 848px" /></p>
<p><span style="font-weight: 400;">It is scary that a letter stating you were declined for life insurance coverage.  This is extremely frustrating. The thought of something happening to you and your family being left without you – and without the financial assistance you provide – is difficult to fathom. What will you do? What </span><i><span style="font-weight: 400;">can</span></i><span style="font-weight: 400;"> you do?  First, just relax.  It’s not the end of the world to be declined life insurance with diabetes.  Most likely you are just working with the wrong agent.  </span><a href="https://www.diabetes365.org/get-quote-now/"><span style="font-weight: 400;">Get a quote</span></a><span style="font-weight: 400;"> from us and let the diabetes experts go to work for you!</span></p>
<p><span style="font-weight: 400;">If you were denied life insurance coverage due to having Diabetes there </span><i><span style="font-weight: 400;">is</span></i><span style="font-weight: 400;"> something you can do. Having Diabetes doesn’t necessarily mean you can’t obtain life insurance coverage. It means you need to look a little harder for coverage, and work with specialists such as </span><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">Diabetes 365</span></a><span style="font-weight: 400;">. Don’t let that declined coverage get you down. Instead, keep reading to discover how you can obtain that diabetes life insurance policy and have protection for your loved ones.</span></p>
<p><span style="font-weight: 400;">Again, we know it’s frustration getting declined for coverage, but it&#8217;s NOT the end of the world.  We have helped thousands of people find life insurance coverage. Contact us today to let us begin assisting you and your family.  Now let’s review some steps a person should take, after getting declined for life insurance because of their Diabetes history.</span></p>
<div class="apoints">
<h2><strong>Quick Article Guide</strong></h2>
<p>Here’s what we&#8217;ll cover in this post:</p>
<ul>
<li style="font-weight: 400;" aria-level="1"><a href="#1">Find Out Why You Were Declined</a></li>
<li style="font-weight: 400;" aria-level="1"><a href="#2">What’s in your MIB File</a></li>
<li style="font-weight: 400;" aria-level="1"><a href="#3">What if you were Declined due to Diabetes History</a></li>
<li style="font-weight: 400;" aria-level="1"><a href="#4">Working on your Overall Health</a></li>
<li style="font-weight: 400;" aria-level="1"><a href="#5">What if you were Declined to Something Outside of Diabetes</a></li>
<li style="font-weight: 400;" aria-level="1"><a href="#6">What Types of Policies are Available to People with Diabetes</a></li>
<li style="font-weight: 400;" aria-level="1"><a href="#7">Why you Need to Work With Us</a></li>
</ul>
</div>
<h3 id="1"><b>First Things First: Find Out Why</b></h3>
<p><span style="font-weight: 400;">If you are diabetic, you may automatically assume that is the reason you were denied coverage. This could be true. However, truth be told, there are many different reasons that could make obtaining life insurance difficult – you just may not be aware of them. For instance, here are a few:</span></p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;"><a href="https://www.diabetes365.org/what-to-expect-with-a-paramedical-exam/">Paramedical exam results</a></span></li>
<li style="font-weight: 400;">Your medical history <span style="font-weight: 400;">including </span><a href="https://www.diabetes365.org/how-your-a1c-affects-your-life-insurance-rates/"><span style="font-weight: 400;">recent A1C level</span></a></li>
<li style="font-weight: 400;">Medical Information Bureau report</li>
<li style="font-weight: 400;">Prescription Drug history</li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Hazardous occupation</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Driving records</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Financial distress</span></li>
<li style="font-weight: 400;">Foreign Travel</li>
</ul>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-3290 " src="https://www.diabetes365.org/wp-content/uploads/2019/06/Screen-Shot-2019-06-24-at-1.36.40-AM-1.png" alt="" width="1028" height="788" srcset="https://www.diabetes365.org/wp-content/uploads/2019/06/Screen-Shot-2019-06-24-at-1.36.40-AM-1.png 1732w, https://www.diabetes365.org/wp-content/uploads/2019/06/Screen-Shot-2019-06-24-at-1.36.40-AM-1-300x230.png 300w, https://www.diabetes365.org/wp-content/uploads/2019/06/Screen-Shot-2019-06-24-at-1.36.40-AM-1-1024x785.png 1024w, https://www.diabetes365.org/wp-content/uploads/2019/06/Screen-Shot-2019-06-24-at-1.36.40-AM-1-768x589.png 768w, https://www.diabetes365.org/wp-content/uploads/2019/06/Screen-Shot-2019-06-24-at-1.36.40-AM-1-1536x1178.png 1536w" sizes="(max-width: 1028px) 100vw, 1028px" /></p>
<p><span style="font-weight: 400;">T</span><span style="font-weight: 400;">he riskier your life style, the greater of a risk you are to the insurance company – and that can include your health, your career, your behavior, and so forth. Therefore, life insurance companies can and will deny you coverage based on a number of factors.</span></p>
<p><span style="font-weight: 400;">Good news! There are several life insurance companies to choose from, who all underwrite people with Diabetes differently. One may decline you for the reasons above, while another would gladly accept you. This is a perfect example of why you need to work with agents who have access to several life insurance providers.</span></p>
<p><span style="font-weight: 400;">While working with us, an agent will review your health profile, your financial objectives, and will be able to make suitable life insurance recommendations.</span></p>
<p><span style="font-weight: 400;">We constantly see people being declined for life insurance because they worked with an agent who wasn’t proficient in the diabetes life insurance market place.  Many agents simply don’t have the knowledge, nor training to properly work with a person with diabetes.  This is sad to see, but it’s quite common.  If you fall into this category, do not hesitate to contact us, or make a quote request.</span></p>
<p><span style="font-weight: 400;">Before you can correct the issue and find yourself coverage for sure, you need to know why you were declined. Speak to your agent and get a clear explanation. Often times a company may send out a letter describing the EXACT reasons, for your declination. Review this, and have the information readily available, when you begin speaking with another agent.</span></p>
<h3 id="2"><b>The Power of Your MIB</b></h3>
<p><span style="font-weight: 400;">Your </span><a href="https://diabeteslifesolutions.com/what-is-the-medical-information-bureau/"><span style="font-weight: 400;">MIB</span></a><span style="font-weight: 400;"> can sort of be compared to a credit report for your health. MIB simply stands for Medical Information Bureau. When you apply for life insurance coverage, the underwriter will pull your MIB report, review the results of your medical exam, and read through your application. Between these three things, they can get a glimpse into your life – and your level of risk you present to the life insurance carrier.</span><span style="font-weight: 400;"><img loading="lazy" decoding="async" class="wp-image-3279 aligncenter" src="https://www.diabetes365.org/wp-content/uploads/2019/06/1-1.jpeg" alt="" width="327" height="178" /></span></p>
<p><span style="font-weight: 400;">Your MIB contains information from every life insurance application you have submitted. It doesn’t spill out every detail of your last 20 doctor visits in detail, but it does code certain reported conditions that may be helpful in determining your eligibility. If you were declined by other companies, those details will be in the MIB report. Most of the information – if not all – was provided by you, through past applications for life insurance and such. It gives the underwriter a timeline of your health and helps to make a better decision regarding insurance coverage.</span></p>
<p><span style="font-weight: 400;">If you’ve never applied for life insurance, then you’d have an empty MIB report. This isn’t an issue at all. Companies will not penalize you for not having a history of applying for coverage.</span></p>
<blockquote><p><span style="font-weight: 400;">THIS IS IMPORTANTt: when a life insurance company denies you coverage, it is often noted on your MIB. The next time you apply for coverage, the insurance company will see you were declined coverage, and the reasons behind the declination. Some common examples include elevated A1C readings or possibly diabetes complications. </span></p></blockquote>
<p><span style="font-weight: 400;">Some companies may automatically decline you due to previous declination history . Other life insurance carriers could care less about the declines, and simply focus on your health and diabetes control at time of applying with them. This is why you </span><i><span style="font-weight: 400;">never</span></i><span style="font-weight: 400;"> want to just nonchalantly fill out insurance applications and send them out to agents and agencies, who do not have any clue how to work with people with Diabetes. One mistake like this, can eliminate options for you in the future.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-3823" src="https://www.diabetes365.org/wp-content/uploads/2021/03/diabetes-decline_wide-94a69b35f2a701b9ad17ee5c90cd74a028affd38-scaled-1.jpg" alt="" width="858" height="482" srcset="https://www.diabetes365.org/wp-content/uploads/2021/03/diabetes-decline_wide-94a69b35f2a701b9ad17ee5c90cd74a028affd38-scaled-1.jpg 1000w, https://www.diabetes365.org/wp-content/uploads/2021/03/diabetes-decline_wide-94a69b35f2a701b9ad17ee5c90cd74a028affd38-scaled-1-300x169.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/03/diabetes-decline_wide-94a69b35f2a701b9ad17ee5c90cd74a028affd38-scaled-1-768x432.jpg 768w" sizes="(max-width: 858px) 100vw, 858px" /></p>
<h3 id="3"><b>If You Were Declined Due to Diabetes</b></h3>
<p><span style="font-weight: 400;">So, you spoke to the previous agent and it was determined that you were declined coverage due to your diabetes condition and history. It’s understandable. You are a higher risk compared to somebody who doesn’t have a form of diabetes. Now take a quick second, and relax. Most likely, you were working with an agent who wasn’t properly </span><span style="font-weight: 400;">trained to deal with the diabetes community. Maybe you simply applied to the wrong life insurance company. It </span><span style="font-weight: 400;">happens more than you can imagine.</span></p>
<p><span style="font-weight: 400;">These are the exact reasons why you need to </span><a href="https://www.diabetes365.org/contact-us/"><span style="font-weight: 400;">contact us</span></a><span style="font-weight: 400;">, and let our team assist. Afterall, we ONLY work with people who have Diabetes 365 days of the year, find affordable life insurance.</span></p>
<p><span style="font-weight: 400;">Why would diabetes result in you being denied coverage?</span></p>
<h4><span style="font-weight: 400;">Here are some of the things that play into their decision:</span></h4>
<blockquote><p><span style="font-weight: 400;">A report of <a href="https://www.diabetes365.org/how-your-a1c-affects-your-life-insurance-rates/">high A1C</a> can spark the attention of underwriters. Since A1C is in direct response to how well your blood sugar is maintained, it can give the insurance underwriter a sense of how well your diabetes is managed. The higher your A1C readings, generally the higher your life insurance premiums.</span></p>
<p>Medical conditions in addition to diabetes. Diabetes can eventually lead to many complications, some severe. If you have a Diabetes complication, be up front with your agent. Or if you have a history of abnormal labs such as blood in urine, elevated protein levels in urine, you’ll want to again be open and honest with your insurance professional.</p></blockquote>
<p><span style="font-weight: 400;">Thankfully, that is not the end. Despite having </span><a href="https://www.diabetes365.org/life-insurance-for-type-1-diabetics/"><span style="font-weight: 400;">type 1 diabetes</span></a><span style="font-weight: 400;"> or type 2 diabetes, you can still obtain life insurance. And, that is good news, isn’t it? </span><span style="font-weight: 400;">Despite what you read on other websites, we assure you that there are life insurance options for 95% of individuals who live with Diabetes.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6155 size-full" src="https://www.diabetes365.org/wp-content/uploads/2021/07/Downloader.la-61cc93e687cbd.jpg" alt="" width="1024" height="682" srcset="https://www.diabetes365.org/wp-content/uploads/2021/07/Downloader.la-61cc93e687cbd.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2021/07/Downloader.la-61cc93e687cbd-300x200.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/07/Downloader.la-61cc93e687cbd-768x512.jpg 768w" sizes="(max-width: 1024px) 100vw, 1024px" /></p>
<h3 id="4"><b>Maintaining Your Health</b></h3>
<p><span style="font-weight: 400;">If you have diabetes, it&#8217;s crucial that you care for your health. Maintaining your condition can not only extend your life but also provide you with better opportunities – such as for life insurance.</span></p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Monitor your glucose.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Eat a healthy diet rich in whole foods and void of too many processed foods. </span><span style="font-weight: 400;">Some life insurance companies will decline you due to </span><a href="https://www.diabetes365.org/weight-loss-for-people-with-diabetes-why-is-it-so-beneficial/"><span style="font-weight: 400;">being overweight</span></a><span style="font-weight: 400;"> in combination of having diabetes.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;"> Be compliant with Doctors orders</span></li>
<li style="font-weight: 400;"><a href="https://www.diabetes365.org/how-exercise-makes-it-easier-to-control-diabetes/"><span style="font-weight: 400;">Exercise</span></a><span style="font-weight: 400;">. You don’t have to spend your life at the gym, but </span><a href="https://healthyvoyager.com/how-to-create-meaningful-fitness-goals-with-diabetes/"><span style="font-weight: 400;">getting a little exercise each day</span></a><span style="font-weight: 400;"> can do amazing things for your health.</span></li>
<li><span style="font-weight: 400;">Utilize diabetes </span><a href="https://www.computertechreviews.com/new-diabetes-technology-what-to-expect-in-2022/"><span style="font-weight: 400;">technology</span></a><span style="font-weight: 400;"> to help manage your condition.</span></li>
</ul>
<p><span style="font-weight: 400;">Here’s an article where we outline several tricks, to help you </span><a href="https://www.diabetes365.org/5-tips-for-shopping-for-life-insurance/"><span style="font-weight: 400;">obtain the best life insurance rates with Diabetes.</span></a></p>
<h3 id="5"><b>If You Were Declined for Something Else</b></h3>
<p><span style="font-weight: 400;">Choosing the right life insurance company is very important. If you have a hazardous job and are denied life insurance due to that, then you can’t just switch careers, right? Well, you could, but who would do that?</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-3682 " src="https://www.diabetes365.org/wp-content/uploads/2020/09/Protection-strategies-1.jpg" alt="" width="947" height="472" srcset="https://www.diabetes365.org/wp-content/uploads/2020/09/Protection-strategies-1.jpg 640w, https://www.diabetes365.org/wp-content/uploads/2020/09/Protection-strategies-1-300x150.jpg 300w" sizes="(max-width: 947px) 100vw, 947px" /></p>
<p><span style="font-weight: 400;">Maybe your Doctor recommended you to have additional testing completed, or recommended having a procedure done.  People aren’t aware of this, but if you have outstanding tests and procedures, you most likely will be postponed life insurance coverage until they are completed. </span><span style="font-weight: 400;">Maybe we’d know of a specific company who would underwriter you and your current profession.</span></p>
<p><span style="font-weight: 400;">However, if you apply for life insurance with a company that is known for taking chances on individuals such as yourself, then you have a greater chance of receiving a policy – and you can avoid the denials, the wasted time, and the marks on your MIB. </span><span style="font-weight: 400;">Again every life insurance company has specific underwriting guidelines.  Let us research your unique health profile, and ‘shop’ it out to several life insurance providers.</span></p>
<p><span style="font-weight: 400;">All life insurance carriers also view a person’s Diabetes history differently. Some would decline you because you were diagnosed as a child with Type 1 Diabetes. Others would gladly accept you. These reasons alone are why you need to work with agents who specialize in working with the Diabetes community. </span><span style="font-weight: 400;">We’ll also note that for some people there just may not be any options at this present time.  You may have to postpone applying for life insurance coverage for an extended period of time.</span></p>
<h3 id="6"><b>What Type of Life Insurance is Best for You?</b></h3>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-2944 size-full" src="https://www.diabetes365.org/wp-content/uploads/2017/04/term-life-insurance-whole-life-insurance-infographic-opengraph-1.jpg" alt="" width="600" height="315" srcset="https://www.diabetes365.org/wp-content/uploads/2017/04/term-life-insurance-whole-life-insurance-infographic-opengraph-1.jpg 600w, https://www.diabetes365.org/wp-content/uploads/2017/04/term-life-insurance-whole-life-insurance-infographic-opengraph-1-300x158.jpg 300w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p><span style="font-weight: 400;">Will just any type of life insurance work for you? Do you need a </span><a href="https://www.diabetes365.org/term-life-insurance-for-diabetics/"><span style="font-weight: 400;">term life insurance policy</span></a><span style="font-weight: 400;">, or maybe a whole life insurance policy? For those who have been denied coverage and who have a medical condition such as diabetes, finding a policy may require you to narrow your search. Depending on your health profile, you may not qualify for traditional fully underwritten policies.</span></p>
<p><span style="font-weight: 400;">A </span><a href="https://www.diabetes365.org/non-medical-exam-life-insurance/"><span style="font-weight: 400;">no-exam life insurance policy</span></a><span style="font-weight: 400;"> has become more and more popular. This type of insurance doesn’t require you to have a medical exam, though the underwriter may still review your medical records. Certain companies will only have you answer basic health questions, run a MIB and prescription drug background report. You can oftentimes be approved for coverage in 24 to 48 hours.</span></p>
<p><span style="font-weight: 400;">And, while this may make it easier for you to find coverage, you may discover that you pay a bit more in premiums than expected. Why? Because the insurance company is taking a risk on you. They are only able to see a small picture, into your overall health. However, sometimes a no exam life insurance policy is your best option. </span><span style="font-weight: 400;">As life insurance companies continue to evolve, we are seeing many applicants qualify for coverage on a non medical exam basis and receive the same rates that others who complete examinations do.</span></p>
<p><span style="font-weight: 400;">For certain people, a non medical exam policy is the best option.  Everybody has a different health and diabetes profile.  Because of this, it’s imperative to speak with us, and share with us your pertinent health information.  This allows us to properly determine what non medical exam options you may have available to you.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6158 size-full" src="https://www.diabetes365.org/wp-content/uploads/2021/07/Downloader.la-61cc944193f77.jpg" alt="" width="1024" height="683" srcset="https://www.diabetes365.org/wp-content/uploads/2021/07/Downloader.la-61cc944193f77.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2021/07/Downloader.la-61cc944193f77-300x200.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/07/Downloader.la-61cc944193f77-768x512.jpg 768w" sizes="(max-width: 1024px) 100vw, 1024px" /></p>
<p><span style="font-weight: 400;">A Guaranteed Issue (GI) life insurance policy is one that is, well, guaranteed. It is typically for people who are between 50 and 85 years of age and doesn’t extend higher than $25,000. But, if you are having difficulty obtaining life insurance, this is a definite way to go. Please keep in mind, however, that these policies always have a two-year waiting period. That means you will pay your premium for two years before you will be fully covered.</span></p>
<p><span style="font-weight: 400;"> If you pass away within those two years, your loved ones may only receive back all premiums paid, plus a 10 percent interest. You never want to take out a policy like this, unless it’s your only option. Some well known companies like </span><a href="https://burialinsurancepro.org/mutual-of-omaha-burial-insurance-review/"><span style="font-weight: 400;">Mutual of Omaha</span></a><span style="font-weight: 400;">, and Gerber Life Insurance offer these types of policies. Or maybe you are searching out a <a href="https://www.diabetes365.org/affordable-burial-insurance-for-diabetics/">burial insurance policy</a>, that will allow your family to address all of your final expenses at the time of your passing.  Many people will qualify for these types of whole life insurance policies.</span></p>
<p><span style="font-weight: 400;">Working with an independent agent can help you determine the exact policy, that’s best for you. Don’t be afraid to reach out to us, and receive an honest evaluation. </span><span style="font-weight: 400;">This is what we do for consumers like you.  We simply discuss your needs and will provide real and accurate diabetes life insurance information to you.</span></p>
<h3 id="7"><b>The Benefits of Working with Diabetes 365</b></h3>
<p><span style="font-weight: 400;">Just like you are great at certain things in life, our life insurance agents are great at dealing with, well, life insurance with Diabetes. An agent will know the companies to which you should apply for coverage and those you should avoid. Don’t do the guesswork yourself, or rely on agents who only work with Diabetics part time.</span></p>
<p><img loading="lazy" decoding="async" class="size-full wp-image-3689 aligncenter" src="https://www.diabetes365.org/wp-content/uploads/2020/09/logodflsjpg-1.jpg" alt="" width="336" height="81" srcset="https://www.diabetes365.org/wp-content/uploads/2020/09/logodflsjpg-1.jpg 336w, https://www.diabetes365.org/wp-content/uploads/2020/09/logodflsjpg-1-300x72.jpg 300w" sizes="(max-width: 336px) 100vw, 336px" /></p>
<p><span style="font-weight: 400;">Don’t waste your time trying to do it alone. Talk to the experts at Diabetes 365 who will help you get the best policy for the best premium regardless of your health or current life situation.  We’ve helped thousands of people </span><a href="https://www.abcmoney.co.uk/2022/01/21/how-can-you-save-big-bucks-on-life-insurance-with-diabetes/"><span style="font-weight: 400;">save money on life insurance with diabetes</span></a><span style="font-weight: 400;">.</span></p>
<p><span style="font-weight: 400;">If you have been denied life insurance due to Diabetes, take the steps necessary to get yourself covered. Don’t leave your loved ones struggling. Speak with us today, and get your policy in place today. You’ll only receive honest information, and recommendations from us. We are here to serve you, the Diabetes community, every day of the year.</span></p>
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		<title>Affordable Burial Insurance for Diabetics in 2025</title>
		<link>https://www.diabetes365.org/affordable-burial-insurance-for-diabetics/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=affordable-burial-insurance-for-diabetics</link>
		
		<dc:creator><![CDATA[Matt Schmidt]]></dc:creator>
		<pubDate>Sat, 27 Mar 2021 00:00:56 +0000</pubDate>
				<category><![CDATA[General Diabetes]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Affordable insurance]]></category>
		<category><![CDATA[burial insurance]]></category>
		<category><![CDATA[diabetes 365]]></category>
		<category><![CDATA[diabetics 2022]]></category>
		<category><![CDATA[final expense insurance]]></category>
		<category><![CDATA[term life insurance]]></category>
		<guid isPermaLink="false">https://www.diabetes365.org/?p=2965</guid>

					<description><![CDATA[Having Diabetes, no matter the Type of Diabetes, makes applying for all types of insurance a little more tricky. Health insurance, life insurance, or even burial insurance, requires a little more effort, in determining what your best options are. Afterall, nothing with Diabetes is easy, especially any type of insurance matters. Burial insurance is an ... <a title="Affordable Burial Insurance for Diabetics in 2025" class="read-more" href="https://www.diabetes365.org/affordable-burial-insurance-for-diabetics/" aria-label="More on Affordable Burial Insurance for Diabetics in 2025">Read more</a>]]></description>
										<content:encoded><![CDATA[<p><span style="font-weight: 400;">Having Diabetes, no matter the Type of Diabetes, makes applying for all types of insurance a little more tricky. Health insurance, </span><a href="https://www.diabetes365.org/life-insurance-for-diabetics-on-paleo-diet/"><span style="font-weight: 400;">life insurance</span></a><span style="font-weight: 400;">, or even</span><a href="https://www.diabetes365.org/affordable-burial-insurance-for-diabetics/"><span style="font-weight: 400;"> burial insurance</span></a><span style="font-weight: 400;">, requires a little more effort, in determining what your best options are. Afterall, nothing with Diabetes is easy, especially any type of insurance matters.</span></p>
<p><span style="font-weight: 400;">Burial insurance is an important type of financial coverage for many people with Diabetes.  For millions of people, they prefer to </span><a href="https://innewsweekly.com/everything-about-final-expense-insurance-policies/"><span style="font-weight: 400;">pay for their final expenses</span></a><span style="font-weight: 400;"> and funeral costs through the proceeds of a burial insurance policy.  We understand that discussing your </span><a href="https://www.womendailymagazine.com/three-things-you-need-to-know-while-planning-your-funeral/"><span style="font-weight: 400;">funeral expenses</span></a><span style="font-weight: 400;"> is not a fun topic.  However, it’s a very important one to address.</span></p>
<div class="apoints">
<h2><strong>Quick Article Guide</strong></h2>
<p>Here’s what we&#8217;ll cover in this post:</p>
<ul>
<li aria-level="1"><a href="#whatis">What is Burial Insurance with Diabetes </a></li>
<li aria-level="1"><a href="#whoneeds">Who Needs Burial Insurance</a></li>
<li aria-level="1"><a href="#howare">How are Your Insurance Rates Determined</a></li>
<li aria-level="1"><a href="#whattypes">What Types of Death Benefit options are There</a></li>
<li aria-level="1"><a href="#bestburial">Best Burial Insurance Companies for Diabetics</a></li>
<li aria-level="1"><a href="#samplehealth">Sample Health Questions to Determine Eligibility</a></li>
<li aria-level="1"><a href="#conclusion">Conclusion</a></li>
</ul>
</div>
<p>According to the <a href="https://www.diabetes.org/">American Diabetes Association</a>, There are over 34 million people with diabetes in the United States alone. Out of that number, nearly 94% have type 2 diabetes. Also, it’s speculated that nearly 84 million people may have Pre-Diabetes.</p>
<p><span style="font-weight: 400;">Good news though! Affordable burial insurance for diabetics is available for people with </span><a href="https://www.diabetes365.org/gestational-diabetes-and-life-insurance/"><span style="font-weight: 400;">gestational diabetes</span></a><span style="font-weight: 400;">, </span><a href="https://www.diabetes365.org/life-insurance-for-type-1-diabetics/"><span style="font-weight: 400;">Type 1 Diabetes</span></a><span style="font-weight: 400;"> and </span><a href="https://www.diabetes365.org/tips-for-getting-life-insurance-with-type-2-diabetes/"><span style="font-weight: 400;">Type 2 Diabetes</span></a><span style="font-weight: 400;">. IF you’re on insulin, oral medications, or maybe a combination of the two, you’ll have several options to choose from, when it comes to burial insurance policies.</span></p>
<p><span style="font-weight: 400;">Just call us at 844-281-1503 and speak with a representative.  We would love the opportunity to assist you and your family secure the policy given your financial needs. Diabetes 365 was created to help families find affordable <a href="https://marketbusinessnews.com/life-insurance-diabetes/193912/">life insurance with diabetes.</a></span></p>
<p><img loading="lazy" decoding="async" class="size-medium wp-image-3012 alignright" src="https://www.diabetes365.org/wp-content/uploads/2018/11/AdobeStock_163354961-1-300x200.jpeg" alt="" width="300" height="200" srcset="https://www.diabetes365.org/wp-content/uploads/2018/11/AdobeStock_163354961-1-300x200.jpeg 300w, https://www.diabetes365.org/wp-content/uploads/2018/11/AdobeStock_163354961-1-1024x684.jpeg 1024w, https://www.diabetes365.org/wp-content/uploads/2018/11/AdobeStock_163354961-1-768x513.jpeg 768w, https://www.diabetes365.org/wp-content/uploads/2018/11/AdobeStock_163354961-1-1536x1025.jpeg 1536w, https://www.diabetes365.org/wp-content/uploads/2018/11/AdobeStock_163354961-1-2048x1367.jpeg 2048w" sizes="(max-width: 300px) 100vw, 300px" /></p>
<p><b>Even if your Diabetes isn’t under the best control, your rates for burial insurance for diabetics can be affordable</b><span style="font-weight: 400;">. Various companies will ask details of your control of your condition, while some will not ask any details about your A1C history. If you are an individual with an elevated A1C, this would be beneficial as traditional life insurance companies may decline you for coverage due to a high <a href="https://www.diabetes365.org/how-your-a1c-affects-your-life-insurance-rates/">A1C reading</a>.</span></p>
<p><span style="font-weight: 400;">When you work with our agents, we help you find the best policy, given your Diabetes history, and overall health history. All you have to do is have a quick 5 minute phone call with an agent, and they’ll collect some basic health information from you. From there, we’ll present to you your various options for burial insurance coverage. </span><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">Diabetes 365</span></a><span style="font-weight: 400;"> has separated itself from other agencies, but choosing to only work with the Diabetes community. Our agents will only represent the most competitive companies, based off your health profile.</span></p>
<p><span style="font-weight: 400;">Perhaps you’ve spoken with other companies, or even been </span><a href="https://www.diabetes365.org/what-to-do-if-declined-for-life-insurance-with-diabetes/"><span style="font-weight: 400;">declined due to Diabetes history</span></a><span style="font-weight: 400;">. Don’t be discouraged! WE come across cases like these all the time, and are able to find people the RIGHT company based off their Diabetes history. IN many situations, we are able to find a burial insurance company who may not charge higher rates, for having any type of diabetes.</span></p>
<p><span style="font-weight: 400;">The days of life insurance companies not considering Type 1 and Type 2 diabetics for coverage are LONG GONE! Life insurance companies have evolved, and are making life a little ‘easier’ on the Diabetes community.</span></p>
<h2 id="whatis"><b>What Exactly is Burial Insurance, or Final Expense Insurance?</b></h2>
<p><a href="https://www.retirementliving.com/burial-insurance"><span style="font-weight: 400;">Burial insurance</span></a><span style="font-weight: 400;"> or final expense insurance is a ‘term’ given to lower amounts of whole life insurance. Like the nickname, many people take out these policies to address burial costs, final expenses, and funeral costs. These burial insurance policies are the opposite of </span><a href="https://www.diabetes365.org/term-life-insurance-for-diabetics/"><span style="font-weight: 400;">term life insurance</span></a><span style="font-weight: 400;">, where the policy would expire at some point in time.</span></p>
<p><span style="font-weight: 400;">The policy features are identical to simplified issue whole life policies:</span></p>
<ul>
<li>Whole Life policy that will stay the same price and death benefit for life</li>
<li>Pays 100% of the death benefit from day one (has no waiting period)</li>
<li>No exclusions but suicide in first two years</li>
<li>Cash value that can be borrowed from, or can be made into a reduced paid up policy if no longer want to pay premiums</li>
<li><a href="https://www.diabetes365.org/non-medical-exam-life-insurance/">Does not require an exam or medical records </a>for approval – just short phone interview</li>
<li>At the time of death, the policy pays out the full death benefit to the named beneficiary. Payments are generally made in 2-3 business days.</li>
<li>Policies may be assigned to a Funeral home, where the benefit is paid straight to a funeral home.</li>
</ul>
<p><b>The great thing about these types of policies, is you’ll NEVER BE REQUIRED to complete a Medical Exam</b><span style="font-weight: 400;">! Also, approvals are made on your application in a matter of minutes, or days. You will not be waiting around weeks, for a decision. It’s nice to know that you won’t be waiting around for weeks to hear if you are approved or not.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-3850" src="https://www.diabetes365.org/wp-content/uploads/2021/03/coupleoncomputer-scaled-1.jpg" alt="" width="909" height="606" /></p>
<h2 id="whoneeds"><strong>Who Needs Burial Insurance?</strong></h2>
<p><span style="font-weight: 400;">Burial insurance policies are mainly ideal for the person who wants to have a permanent policy, to <a href="https://adoosimg.com/final-expense-insurance-a-way-to-avoid-financial-burden/">address all of their final expenses</a>. Many people turn to life insurance to fund this need, as the payment to the beneficiary is lump sum and tax free. As an insured, you know that insurance money will be there for your family at the time of your death, and no one has to worry about how to pay for the expenses. Many seniors tend to prefer these smaller policies to address their final expenses. </span></p>
<p><span style="font-weight: 400;">Here at Diabetes 365, we feel that most families could benefit from having a <a href="https://incrediblethings.com/reviews/what-is-the-meaning-of-burial-insurance-for-seniors-and-how-does-it-work/">burial insurance policy</a> in force.  Knowing that your family members will not have to worry about your funeral expenses and final expenses is a selfless gift.  For many the cost of coverage is affordable, and less expensive than you originally thought.</span></p>
<p><span style="font-weight: 400;">With these types of whole life insurance policies, anyone from ages Zero through age 89 may be able to qualify.  Since no </span><a href="https://www.diabetes365.org/what-to-expect-with-a-paramedical-exam/"><span style="font-weight: 400;">paramedical examination</span></a><span style="font-weight: 400;"> is required, obtaining coverage is most likely easier than you can imagine.  Several companies we work with can make an approval in a matter of minutes.</span></p>
<h2 id="howare"><b>How are Burial Insurance Rates Determined?</b></h2>
<p><span style="font-weight: 400;">When it comes to any type of insurance product, especially life insurance, rates are always going to vary from person to person.  Here’s a list of what will determine the rates for an individual:</span></p>
<ul>
<li>Current Age-  The older a person is at the time of application, the higher the rates will be</li>
</ul>
<ul>
<li>Usage of Tobacco-  Smokers will pay much higher rates.</li>
</ul>
<ul>
<li>Overall Health-  A person with significant health issues may pay higher rates, or may only qualify for guaranteed acceptance policies.</li>
</ul>
<ul>
<li>The Control of Your Diabetes- People with significant diabetes-related complications or high <a href="https://www.diabetes365.org/how-your-a1c-affects-your-life-insurance-rates/">A1C</a> readings may pay higher rates.</li>
</ul>
<ul>
<li>Amount of Insurance- The higher amount of life insurance, the higher a person’s premiums will be.</li>
</ul>
<h2 id="whattypes"><strong>What are the Different Types of Death Benefits?</strong></h2>
<p><span style="font-weight: 400;">Burial insurance policies for diabetics have TWO main types of death benefits, made payable to the beneficiary of the policy. Your overall health history, in combination with your Diabetes history will determine what plan you qualify for.</span></p>
<p style="padding-left: 30px;"><b>+ Immediate Death Benefit Plan </b><span style="font-weight: 400;"><span style="font-weight: 400;">&#8211; Like the name sounds, this burial policy will pay the full death benefit to the beneficiary, once ONE premium is paid. The only exclusion is if death occurs in first two years of policy, from Suicide. </span></span>This is the type of burial policy, that most diabetics will qualify for. The trick is to work with a company, who specializes in working with the Diabetes community. We’ll know what companies that will <b>approve you for Day 1 Coverage!</b></p>
<p style="padding-left: 30px;"><b>+ Graded Death Benefit Plan </b><span style="font-weight: 400;">&#8211; These types of burial policies are intended for people who are in below average health. They are also known as </span><b>‘guaranteed acceptance’ policies</b><span style="font-weight: 400;">. Since they will offer coverage to about anyone, their rates will be more expensive, compare to ‘immediate death benefit’ policies.</span></p>
<p><span style="font-weight: 400;">Also, with these policies, they will not pay the full death benefit, until after the second year of the policy. If death occurs in first two years of policies, premiums paid plus 10% is paid out. After two years, the full death benefit is paid out at time of death. People who have severe diabetic complications may only qualify for these types of diabetic burial insurance plans.</span></p>
<p><span style="font-weight: 400;">One of the biggest mistakes we see the <a href="https://thyblackman.com/2011/05/03/10-tips-for-living-better-with-diabetes/">Diabetes community</a> make is accepting a graded or guaranteed issue policy, when they qualify for a policy that pays out immediately. Be leary of companies like Colonial Penn, AARP, and Globe Life who mail out applications to you. You may not even be aware that these policies have a two year waiting period, on paying out the full death benefit.</span></p>
<p><span style="font-weight: 400;">When it comes to making an important financial decision like purchasing a burial insurance policy, you’ll want to speak with an agent. </span><a href="https://www.diabetes365.org/contact-us/"><span style="font-weight: 400;">Contact us</span></a><span style="font-weight: 400;"> at 844-281-1503 and speak with our agents. We know what companies are ideal for a person with Diabetes. </span></p>
<h4>Here are some sample rates, of Guaranteed Issue Policies, for Diabetics:</h4>
<h5 style="text-align: center;"><span style="font-weight: 400;">Male Monthly Rates</span></h5>
<p style="text-align: center;">
<table id="tablepress-5" class="tablepress tablepress-id-5 tablepress-responsive">
<thead>
<tr class="row-1 odd">
	<th class="column-1">Age</th><th class="column-2">$5,000</th><th class="column-3">$10,000</th><th class="column-4">$15,000</th><th class="column-5">$20,000</th><th class="column-6">$25,000</th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1">50</td><td class="column-2">$19.66</td><td class="column-3">$38.41</td><td class="column-4">$57.15</td><td class="column-5">$75.90</td><td class="column-6">$94.65</td>
</tr>
<tr class="row-3 odd">
	<td class="column-1">55</td><td class="column-2">$23.55</td><td class="column-3">$46.11</td><td class="column-4">$68.70</td><td class="column-5">$91.31</td><td class="column-6">$113.90</td>
</tr>
<tr class="row-4 even">
	<td class="column-1">60</td><td class="column-2">$28.78</td><td class="column-3">$56.65</td><td class="column-4">$84.52</td><td class="column-5">$112.38</td><td class="column-6">$140.25</td>
</tr>
<tr class="row-5 odd">
	<td class="column-1">65</td><td class="column-2">$34.60</td><td class="column-3">$68.29</td><td class="column-4">$101.98</td><td class="column-5">$135.67</td><td class="column-6">$169.36</td>
</tr>
<tr class="row-6 even">
	<td class="column-1">70</td><td class="column-2">$44.41</td><td class="column-3">$87.91</td><td class="column-4">$131.41</td><td class="column-5">$174.90</td><td class="column-6">$218.40</td>
</tr>
<tr class="row-7 odd">
	<td class="column-1">75</td><td class="column-2">$62.79</td><td class="column-3">$124.67</td><td class="column-4">$186.54</td><td class="column-5">$248.42</td><td class="column-6">$310.29</td>
</tr>
<tr class="row-8 even">
	<td class="column-1">80</td><td class="column-2">$110.92</td><td class="column-3">$220.92</td><td class="column-4">$330.92</td><td class="column-5">$440.92</td><td class="column-6">$550.92</td>
</tr>
</tbody>
</table>
</p>
<h5 style="text-align: center;"><span style="font-weight: 400;">Female Monthly Rates</span></h5>
<p style="text-align: center;">
<table id="tablepress-6" class="tablepress tablepress-id-6 tablepress-responsive">
<thead>
<tr class="row-1 odd">
	<th class="column-1">Age</th><th class="column-2">$5,000</th><th class="column-3">$10,000</th><th class="column-4">$15,000</th><th class="column-5">$20,000</th><th class="column-6">$25,000</th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1">50</td><td class="column-2">$14.53</td><td class="column-3">$28.14</td><td class="column-4">$41.75</td><td class="column-5">$55.37</td><td class="column-6">$68.98</td>
</tr>
<tr class="row-3 odd">
	<td class="column-1">55</td><td class="column-2">$18.38</td><td class="column-3">$35.84</td><td class="column-4">$53.30</td><td class="column-5">$70.77</td><td class="column-6">$88.23</td>
</tr>
<tr class="row-4 even">
	<td class="column-1">60</td><td class="column-2">$23.70</td><td class="column-3">$46.48</td><td class="column-4">$69.25</td><td class="column-5">$92.03</td><td class="column-6">$114.81</td>
</tr>
<tr class="row-5 odd">
	<td class="column-1">65</td><td class="column-2">$28.19</td><td class="column-3">$55.46</td><td class="column-4">$82.73</td><td class="column-5">$110.00</td><td class="column-6">$137.27</td>
</tr>
<tr class="row-6 even">
	<td class="column-1">70</td><td class="column-2">$34.83</td><td class="column-3">$68.75</td><td class="column-4">$102.67</td><td class="column-5">$136.58</td><td class="column-6">$170.50</td>
</tr>
<tr class="row-7 odd">
	<td class="column-1">75</td><td class="column-2">$45.60</td><td class="column-3">$90.29</td><td class="column-4">$134.98</td><td class="column-5">$179.67</td><td class="column-6">$224.36</td>
</tr>
<tr class="row-8 even">
	<td class="column-1">80</td><td class="column-2">$76.54</td><td class="column-3">$152.17</td><td class="column-4">$227.79</td><td class="column-5">$303.42</td><td class="column-6">$379.04</td>
</tr>
</tbody>
</table>
</p>
<h2 id="bestburial"><b>What Burial Insurance Companies are BEST for Diabetics?</b></h2>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6200" src="https://www.diabetes365.org/wp-content/uploads/2021/03/5d0a8f426c1bd52912371f9a_logo-sentinel.png" alt="" width="453" height="255" srcset="https://www.diabetes365.org/wp-content/uploads/2021/03/5d0a8f426c1bd52912371f9a_logo-sentinel.png 640w, https://www.diabetes365.org/wp-content/uploads/2021/03/5d0a8f426c1bd52912371f9a_logo-sentinel-300x169.png 300w" sizes="(max-width: 453px) 100vw, 453px" /></p>
<p>&nbsp;</p>
<p><b>Sentinel Security Life</b><span style="font-weight: 400;">&#8211; Sentinel Security life is very diabetic friendly for burial insurance policies. They will consider people who have Type 1 Diabetes, and Type 2 Diabetes. The one criteria that makes them tough is if you take over 50 </span><a href="https://www.diabetes365.org/5-ways-to-make-insulin-more-affordable/"><span style="font-weight: 400;">units of insulin</span></a><span style="font-weight: 400;"> daily, they will not offer immediate coverage. Outside of that, great burial insurance company, and they provide GREAT customer service.  We love this company as they are pretty easy to work with. </span></p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-6201" src="https://www.diabetes365.org/wp-content/uploads/2021/03/5d1389d2decfccdd3cae4c7a_logo-royal-neighbors.png" alt="" width="640" height="360" srcset="https://www.diabetes365.org/wp-content/uploads/2021/03/5d1389d2decfccdd3cae4c7a_logo-royal-neighbors.png 640w, https://www.diabetes365.org/wp-content/uploads/2021/03/5d1389d2decfccdd3cae4c7a_logo-royal-neighbors-300x169.png 300w" sizes="(max-width: 640px) 100vw, 640px" /></p>
<p><b>Royal Neighbors of America- </b><span style="font-weight: 400;">Royal Neighbors of America may be a company that you have never heard of. But that’s not a bad thing! They are a great burial insurance company for Diabetics! You have to be over the age of 50 to take out a policy, and can’t be diagnosed with Diabetes before age 30. However, they will accept you no matter the amount of insulin you take, and they will accept people with Diabetic complications. Their rates are competitive, and they pay their death benefits out in a very timely manner.  We love working with this company as their customer services are top notch.</span></p>
<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6202" src="https://www.diabetes365.org/wp-content/uploads/2021/03/ProsperityLifeInsurance-546f7cbb30ff4ec78d048fb9053c4afb-scaled.jpg" alt="" width="539" height="94" srcset="https://www.diabetes365.org/wp-content/uploads/2021/03/ProsperityLifeInsurance-546f7cbb30ff4ec78d048fb9053c4afb-scaled.jpg 2560w, https://www.diabetes365.org/wp-content/uploads/2021/03/ProsperityLifeInsurance-546f7cbb30ff4ec78d048fb9053c4afb-300x52.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/03/ProsperityLifeInsurance-546f7cbb30ff4ec78d048fb9053c4afb-1024x178.jpg 1024w, https://www.diabetes365.org/wp-content/uploads/2021/03/ProsperityLifeInsurance-546f7cbb30ff4ec78d048fb9053c4afb-768x134.jpg 768w, https://www.diabetes365.org/wp-content/uploads/2021/03/ProsperityLifeInsurance-546f7cbb30ff4ec78d048fb9053c4afb-1536x268.jpg 1536w, https://www.diabetes365.org/wp-content/uploads/2021/03/ProsperityLifeInsurance-546f7cbb30ff4ec78d048fb9053c4afb-2048x357.jpg 2048w" sizes="(max-width: 539px) 100vw, 539px" /></p>
<p>&nbsp;</p>
<p><b>Prosperity Life- </b><span style="font-weight: 400;">Prosperity life is another great option, for a diabetic burial insurance policy. They offer policies to people age 50 and over. Their burial policy also doesn’t have a minimum age for Diabetes onset. Nor are they concerned about a person&#8217;s amount of insulin they are taking. Great life insurance company that many people have not heard of.  Prosperity life will not accept people with Diabetic complications however.</span><img loading="lazy" decoding="async" class="aligncenter wp-image-6204" src="https://www.diabetes365.org/wp-content/uploads/2021/03/5fadb3dddc6e0d498b749559_logo-mutual-of-omaha.png" alt="" width="585" height="329" srcset="https://www.diabetes365.org/wp-content/uploads/2021/03/5fadb3dddc6e0d498b749559_logo-mutual-of-omaha.png 640w, https://www.diabetes365.org/wp-content/uploads/2021/03/5fadb3dddc6e0d498b749559_logo-mutual-of-omaha-300x169.png 300w" sizes="(max-width: 585px) 100vw, 585px" /></p>
<p><b>Mutual of Omaha- </b><a href="https://burialinsurancepro.org/mutual-of-omaha/"><span style="font-weight: 400;">Mutual of Omaha burial insurance</span></a><span style="font-weight: 400;"> is one of the better known burial insurance providers. You&#8217;ve probably seen their TV commercials, and are familiar with them. What you didn’t know is that they will accept Type 1 and Type 2 Diabetics for burial insurance coverage. However, you have to be diagnosed at age 50 or later with Diabetes.  To determine your eligibility, </span><a href="https://www.diabetes365.org/contact-us/"><span style="font-weight: 400;">simply contact us</span></a><span style="font-weight: 400;">.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-6205" src="https://www.diabetes365.org/wp-content/uploads/2021/03/5d1a5f7cd37c2.png" alt="" width="450" height="250" srcset="https://www.diabetes365.org/wp-content/uploads/2021/03/5d1a5f7cd37c2.png 450w, https://www.diabetes365.org/wp-content/uploads/2021/03/5d1a5f7cd37c2-300x167.png 300w" sizes="(max-width: 450px) 100vw, 450px" /></p>
<p>&nbsp;</p>
<p><b>Senior Life Insurance Company</b><span style="font-weight: 400;">&#8211; Another great company, when it comes to burial insurance for diabetics. They will consider both Type 1 and Type 2 Diabetics. This policy is only available to people between ages 0-80. If you have a history of Diabetes complications, you may still qualify for their immediate death benefit plan.  The application process takes about 15 minus with Senior Life, and usually a decision is made within 24 hours.  Senior Life is a great company that understands the Diabetes community.</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-6206" src="https://www.diabetes365.org/wp-content/uploads/2021/03/ZGRB.jpg" alt="" width="581" height="332" srcset="https://www.diabetes365.org/wp-content/uploads/2021/03/ZGRB.jpg 800w, https://www.diabetes365.org/wp-content/uploads/2021/03/ZGRB-300x171.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2021/03/ZGRB-768x439.jpg 768w" sizes="(max-width: 581px) 100vw, 581px" /></p>
<p><span style="font-weight: 400;"><strong>Gerber Life</strong>&#8211; Gerber Life insurance company, surprisingly, offers one of the best ‘guarantee acceptance’ policies. No health questions, and no one can be denied for their product. Minimum age to apply is 50. This is a good option for those Diabetics who can’t qualify for policies that pay a day immediate death benefit.  You’ll only want to consider the </span><a href="https://burialinsurancepro.org/burial-insurance-plans-gerber-life/"><span style="font-weight: 400;">Gerber Life Burial Insurance plan</span></a><span style="font-weight: 400;"> if you do not qualify for an immediate death benefit option.</span></p>
<p><b>If you want the best rates on burial insurance for Diabetics, you need to work with an agency like us! </b><span style="font-weight: 400;">We are going to help you locate the policy that will not only accept you with your Diabetes history, but also recommend the lowest priced options.</span></p>
<h4><span style="font-weight: 400;">Here are some sample quotes:</span></h4>
<h5 style="text-align: center;"><span style="font-weight: 400;">Immediate Death Benefit policies for Males, Non Tobacco</span></h5>
<p style="text-align: center;">
<table id="tablepress-7" class="tablepress tablepress-id-7 tablepress-responsive">
<thead>
<tr class="row-1 odd">
	<th class="column-1"><center>Age</center></th><th class="column-2"><center>$5,000</center></th><th class="column-3"><center>$10,000</center></th><th class="column-4"><center>$25,000</center></th><th class="column-5"><center>$50,000</center></th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1"><center>40</center></td><td class="column-2"><center>$10.90</center></td><td class="column-3"><center>$18.39</center></td><td class="column-4"><center>$40.89</center></td><td class="column-5"><center>$93.41</center></td>
</tr>
<tr class="row-3 odd">
	<td class="column-1"><center>50</center></td><td class="column-2"><center>$13.29</center></td><td class="column-3"><center>$24.03</center></td><td class="column-4"><center>$56.25</center></td><td class="column-5"><center>$114.23</center></td>
</tr>
<tr class="row-4 even">
	<td class="column-1"><center>60</center></td><td class="column-2"><center>$19.17</center></td><td class="column-3"><center>$35.79</center></td><td class="column-4"><center>$85.66</center></td><td class="column-5"><center>$181.40</center></td>
</tr>
<tr class="row-5 odd">
	<td class="column-1"><center>65</center></td><td class="column-2"><center>$25.10</center></td><td class="column-3"><center>$47.66</center></td><td class="column-4"><center>$115.32</center></td><td class="column-5"><center>$235.81</center></td>
</tr>
<tr class="row-6 even">
	<td class="column-1"><center>70</center></td><td class="column-2"><center>$31.87</center></td><td class="column-3"><center>$61.18</center></td><td class="column-4"><center>$149.13</center></td><td class="column-5"><center>$311.81</center></td>
</tr>
<tr class="row-7 odd">
	<td class="column-1"><center>75</center></td><td class="column-2"><center>$42.97</center></td><td class="column-3"><center>$83.39</center></td><td class="column-4"><center>$204.66</center></td><td class="column-5"><center>$493.94</center></td>
</tr>
<tr class="row-8 even">
	<td class="column-1"><center>80</center></td><td class="column-2"><center>$61.91</center></td><td class="column-3"><center>$121.26</center></td><td class="column-4"><center>$299.33</center></td><td class="column-5"><center>$675.60</center></td>
</tr>
</tbody>
</table>
</p>
<h5 style="text-align: center;"><span style="font-weight: 400;">Immediate Death Benefit Policies for Females, Non Tobacco</span></h5>
<p style="text-align: center;"><span style="font-weight: 400;">
<table id="tablepress-8" class="tablepress tablepress-id-8 tablepress-responsive">
<thead>
<tr class="row-1 odd">
	<th class="column-1"><center>Age</center></th><th class="column-2"><center>$5,000</center></th><th class="column-3"><center>$10,000</center></th><th class="column-4"><center>$25,000</center></th><th class="column-5"><center>$50,000</center></th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1"><center>40</center></td><td class="column-2"><center>$12.12</center></td><td class="column-3"><center>$20.17</center></td><td class="column-4"><center>$45.33</center></td><td class="column-5"><center>$98.09</center></td>
</tr>
<tr class="row-3 odd">
	<td class="column-1"><center>50</center></td><td class="column-2"><center>$11.17</center></td><td class="column-3"><center>$17.24</center></td><td class="column-4"><center>$36.58</center></td><td class="column-5"><center>$68.82</center></td>
</tr>
<tr class="row-4 even">
	<td class="column-1"><center>60</center></td><td class="column-2"><center>$15.28</center></td><td class="column-3"><center>$22.75</center></td><td class="column-4"><center>$50.35</center></td><td class="column-5"><center>$96.35</center></td>
</tr>
<tr class="row-5 odd">
	<td class="column-1"><center>65</center></td><td class="column-2"><center>$19.10</center></td><td class="column-3"><center>$35.65</center></td><td class="column-4"><center>$85.30</center></td><td class="column-5"><center>$127.41</center></td>
</tr>
<tr class="row-6 even">
	<td class="column-1"><center>70</center></td><td class="column-2"><center>$23.62</center></td><td class="column-3"><center>$39.30</center></td><td class="column-4"><center>$91.72</center></td><td class="column-5"><center>$179.09</center></td>
</tr>
<tr class="row-7 odd">
	<td class="column-1"><center>75</center></td><td class="column-2"><center>$31.83</center></td><td class="column-3"><center>$61.11</center></td><td class="column-4"><center>$148.94</center></td><td class="column-5"><center>$338.13</center></td>
</tr>
<tr class="row-8 even">
	<td class="column-1"><center>80</center></td><td class="column-2"><center>$45.45</center></td><td class="column-3"><center>$88.36</center></td><td class="column-4"><center>$217.07</center></td><td class="column-5"><center>$505.64</center></td>
</tr>
</tbody>
</table>
</span></p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-3852" src="https://www.diabetes365.org/wp-content/uploads/2021/03/24510_50065-scaled-1.jpg" alt="" width="1000" height="493" /></p>
<h2 id="samplehealth"><b>What other Health Questions will be Asked?</b></h2>
<p><span style="font-weight: 400;">Great question! All the various burial insurance companies will have their own health questions. But just to give you an example, here’s a sample health questionnaire from <a href="https://www.royalneighbors.org/">Royal Neighbors of America</a>:</span></p>
<p style="padding-left: 30px;"><strong>1. Has the proposed Insured used tobacco in any form in the last 12 months?</strong></p>
<p style="padding-left: 30px;"><strong>2. Is the Proposed Insured currently:</strong></p>
<p style="padding-left: 60px;">&#8211; Hospitalized, in a nursing facility, or receiving Hospice Care?</p>
<p style="padding-left: 60px;">&#8211; Confined to a wheelchair, bed, or using oxygen equipment to assist in breathing?</p>
<p style="padding-left: 30px;"><strong>3. Has a member of the medical profession ever diagnosed or treated the Proposed Insured for Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), or any immune deficiency disease; or has the Proposed Insured tested positive for the Human Immunodeficiency Virus (HIV)? </strong></p>
<p style="padding-left: 30px;"><strong>4. Has the Proposed Insured ever been diagnosed as having or been treated for:</strong></p>
<p style="padding-left: 60px;">&#8211; Congestive heart failure, or had or been recommended to have an organ transplant?</p>
<p style="padding-left: 60px;">&#8211; Insulin shock, diabetic coma, amputation caused by disease, or taken insulin shots prior to age 30?</p>
<p style="padding-left: 60px;">&#8211; Dementia, Alzheimer’s Disease, or mental incapacity?</p>
<p style="padding-left: 30px;"><strong>5. During the past 18 months has the Proposed Insured been diagnosed as having:</strong></p>
<p style="padding-left: 60px;"><span style="font-weight: 400;"> &#8211; Stroke, aneurysm, cardiomyopathy, or circulatory surgery?</span></p>
<p style="padding-left: 60px;">&#8211; Angina (chest pain), heart attack or failure, or heart surgery?</p>
<p style="padding-left: 30px;"><strong>6. During the past 24 months, has the Proposed Insured been diagnosed as having, or been treated for:</strong></p>
<p style="padding-left: 60px;"><span style="font-weight: 400;"> &#8211; Internal Cancer, Melanoma, or Leukemia?</span></p>
<p style="padding-left: 60px;">&#8211; Cirrhosis, liver disease, kidney failure (including dialysis), chronic kidney disease, or systemic lupus?</p>
<p style="padding-left: 30px;"><strong>7. During the past 18 months, has the Proposed Insured been diagnosed as having:</strong></p>
<p style="padding-left: 60px;"><span style="font-weight: 400;"> &#8211; A condition expected to result in death within 12 months? </span></p>
<p style="padding-left: 60px;"><span style="font-weight: 400;"> &#8211; Been advised by a medical professional to have any diagnostic testing which has not been completed or for which the results have not been received? </span></p>
<p style="padding-left: 60px;"><span style="font-weight: 400;">&#8211; Been recommended by a physician to have treatment or counseling for alcohol or drug abuse? </span></p>
<p style="padding-left: 30px;"><strong>8. During the past 24 months, has the Proposed Insured been diagnosed as having, or been treated for:</strong></p>
<p style="padding-left: 60px;"><span style="font-weight: 400;">&#8211; Stroke, angina (chest pain), heart attack, or cardiomyopathy?</span></p>
<p style="padding-left: 60px;">&#8211; Heart or circulatory surgery (including pacemaker, heart valve replacement, bypass, angioplasty, stent implant, or any procedure to improve circulation to the heart or brain)?</p>
<p style="padding-left: 30px;"><strong>9. During the past 24 months, has the Proposed Insured been diagnosed as having, or been treated for:</strong></p>
<p style="padding-left: 60px;"><span style="font-weight: 400;">&#8211; Emphysema, chronic obstructive pulmonary disease (COPD), or tuberculosis (TB)?</span></p>
<p style="padding-left: 60px;">&#8211; Neuromuscular disease (including Multiple Sclerosis, Lou Gehrig’s Disease, Epilepsy, or Parkinson’s Disease</p>
<h2 id="conclusion"><b>Conslusion</b></h2>
<p><span style="font-weight: 400;">This is just one sample health questionnaire. If you would answer YES to some of these questions, you may qualify for another company&#8217;s diabetic burial insurance policy. That’s the advantage of working with Diabetes 365, and our agents. We aren’t limited to just recommending one life insurance company. We’ll help you find the company that suits you and your families needs.</span></p>
<p><span style="font-weight: 400;">Every insurance company will ask about your history of Diabetes.  It’s extremely </span><a href="https://www.diabetes365.org/the-importance-of-disclosing-your-diabetes-condition-on-life-insurance-applications/"><span style="font-weight: 400;">important to disclose your Diabetes condition on the application</span></a><span style="font-weight: 400;">.  Every insurance company will ask specific questions about when you were diagnosed with Diabetes.  One company may ask if your diagnosis was onset before age 50.  Another may ask if you were Diagnosed before age 30.  These variations in questions is why it’s important to work with a knowledgeable agent who’s proficient in the Underwriting guides with several insurance carriers.  Don’t make the mistake of applying to an insurance company who will decline you simply because of your age first diagnosed with Diabetes.</span></p>
<p><span style="font-weight: 400;">The bottom line is we ONLY work with people who have Diabetes, find the best types of insurance policies for them, and their family. We have the expertise to find you the Burial Insurance Policy that will work best in your situation.  Don’t let other websites and agents trick you into thinking you cannot qualify for coverage, nor do not over pay for burial insurance coverage.</span></p>
<p><span style="font-weight: 400;">Simply contact us today, and let us provide you with the information you need. We advocate on behalf of our Diabetes community. Make the call today to 800-470-0179 to receive a no obligation quote!</span></p>
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		<title>How to Qualify for Social Security Disability Benefits with Diabetes</title>
		<link>https://www.diabetes365.org/how-to-qualify-for-social-security-disability-benefits-with-diabetes/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-qualify-for-social-security-disability-benefits-with-diabetes</link>
		
		<dc:creator><![CDATA[Matt Schmidt]]></dc:creator>
		<pubDate>Sat, 24 Jul 2021 21:00:00 +0000</pubDate>
				<category><![CDATA[General Diabetes]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[diabetes]]></category>
		<category><![CDATA[Disability]]></category>
		<category><![CDATA[disability benefits.]]></category>
		<category><![CDATA[Social Security disability]]></category>
		<guid isPermaLink="false">https://www.diabetes365.org/?p=3555</guid>

					<description><![CDATA[Diabetes is one of the most common health conditions in the U.S. and the number of people who have diabetes is increasing every year. Currently experts estimate that more than 10% of the adult population has diabetes and that figure could be even higher. Diabetes can cause a range of health problems that make it ... <a title="How to Qualify for Social Security Disability Benefits with Diabetes" class="read-more" href="https://www.diabetes365.org/how-to-qualify-for-social-security-disability-benefits-with-diabetes/" aria-label="More on How to Qualify for Social Security Disability Benefits with Diabetes">Read more</a>]]></description>
										<content:encoded><![CDATA[<p><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">Diabetes</span></a><span style="font-weight: 400;"> is one of the most common health conditions in the U.S. and the number of people who have diabetes is increasing every year. Currently experts estimate that more than 10% of the adult population has diabetes and that figure could be even higher. Diabetes can cause a range of health problems that make it impossible to work. If you have been diagnosed with diabetes and can’t work because of it and you expect that you won’t be able to work for at least a year because of your diabetes you can file a claim for Social Security disability benefits.</span></p>
<p><span style="font-weight: 400;">Disability benefits can provide the money that you need to pay for essentials like housing and food and also to pay for extra medical expenses that aren’t covered by your insurance. If you have worked and paid taxes at any point you can </span><a href="https://www.disabilitybenefitscenter.org/social-security-disabling-conditions/diabetes"><span style="font-weight: 400;">qualify</span></a><span style="font-weight: 400;"> for Social Security disability benefits. </span></p>
<p><b> Disability Benefits for People with Diabetes</b></p>
<p><span style="font-weight: 400;"><img loading="lazy" decoding="async" class=" wp-image-3558 alignright" src="https://www.diabetes365.org/wp-content/uploads/2020/06/disability-benefits-1-300x207.png" alt="" width="451" height="311" srcset="https://www.diabetes365.org/wp-content/uploads/2020/06/disability-benefits-1-300x207.png 300w, https://www.diabetes365.org/wp-content/uploads/2020/06/disability-benefits-1-768x531.png 768w, https://www.diabetes365.org/wp-content/uploads/2020/06/disability-benefits-1.png 841w" sizes="(max-width: 451px) 100vw, 451px" />The symptoms of diabetes range in severity, and often taking steps to correct diabetes with diet, exercise, and insulin therapy can lessen the risk of serious symptoms. Some of the most common symptoms of diabetes include:</span></p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">nephropathy (kidney disease)</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">neuropathy (nerve damage) in feet or hands that disrupts your ability to stand, walk, or use your hands</span></li>
<li style="font-weight: 400;"><a href="https://www.health.harvard.edu/a_to_z/retinopathy-a-to-z"><span style="font-weight: 400;">retinopathy</span></a><span style="font-weight: 400;"> (eye and vision problems)</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">cellulitis and other skin infections</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">hypertension (high blood pressure)</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">heart disease</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">stroke</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">gastroparesis (a type of nerve damage that interferes with digestion)</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">peripheral arterial disease (reduced blood flow to your limbs), and</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">depression</span></li>
</ul>
<p><b> Medically Qualifying for Diabetes</b></p>
<p><img loading="lazy" decoding="async" class="alignleft wp-image-3564" src="https://www.diabetes365.org/wp-content/uploads/2020/06/dimage-scaled-1.jpg" alt="" width="432" height="306" srcset="https://www.diabetes365.org/wp-content/uploads/2020/06/dimage-scaled-1.jpg 1000w, https://www.diabetes365.org/wp-content/uploads/2020/06/dimage-scaled-1-300x212.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2020/06/dimage-scaled-1-768x544.jpg 768w" sizes="(max-width: 432px) 100vw, 432px" /></p>
<p><span style="font-weight: 400;">All of the conditions that make someone eligible for Social Security disability benefits are listed in the </span><a href="https://www.ssa.gov/disability/professionals/bluebook/"><span style="font-weight: 400;">Social Security Administration’s Blue Book</span></a><span style="font-weight: 400;">. Every listing in the book has a set of very specific requirements that a person has to meet in order to be approved for benefits based on that condition. In just the last couple of years the SSA removed the listing for diabetes. However, people with diabetes can still qualify for benefits if they meet the detailed listing for one of the conditions that often appear concurrently with diabetes or that are caused by diabetes. Some of those conditions and their requirements include:</span></p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Bacterial Infections/Skin That Won’t Heal  (Listing 8.04</span><b>).</b><span style="font-weight: 400;"> If you develop ulcerated skin lesions that last longer than three months despite treatment and they make it difficult for you to walk or use your hands, you can qualify for benefits under the listing for chronic skin infections.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Diabetic Nephropathy(Listing 6.06). If the diabetes causes your kidneys to stop filtering properly and you require daily dialysis or if there is evidence of too much protein or creatine in your plasma, you may qualify for benefits until this listing.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Diabetic Peripheral Neuropathies (Listing 11.14). It’s very common for people with diabetes to have some form of nerve damage in their hands, feet, arms, or legs. But in order to qualify for benefits under this Blue Book listing you have to show that your neuropathy causes a significant disruption of your ability to walk, stand, or use your hands in a skilled way. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Diabetic Retinopathy (Listing 2.00).</span> <span style="font-weight: 400;">One of the most common side effects of diabetes is having vision problems. If you develop blurred vision or poor visual acuity (between 20/100 and 20/200 in your better eye), or poor peripheral vision from surgery to correct your central vision, you can qualify for disability benefits under this listing. </span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Cardiovascular Problems -Diabetes can lead to coronary artery disease (listing 4.04), chronic heart failure (listing 4.02), peripheral vascular disease (listing 4.12), and an irregular heartbeat (listing 4.05). Any of these conditions can qualify someone to receive disability benefits.</span></li>
<li style="font-weight: 400;"><a href="https://www.ssa.gov/disability/professionals/bluebook/1.00-Musculoskeletal-Adult.htm#1_05"><span style="font-weight: 400;">Amputation (Listing 1.05).</span></a> <span style="font-weight: 400;">If left untreated diabetes often leads to amputation of a foot or both feet. If you&#8217;ve had a foot amputated due to nerve damage and poor circulation caused by diabetes, you may be able to get benefits if you have other limitations as well. </span></li>
</ul>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-3942" src="https://www.diabetes365.org/wp-content/uploads/2020/06/Image-Content-doctors-orders.png" alt="" width="875" height="438" /></p>
<p><b>Following a Doctor’s Orders</b></p>
<p><span style="font-weight: 400;">When you file a claim for disability benefits due to a condition caused by diabetes you will need to submit proof that you are following your doctor’s orders and following through on treatments to try and improve your health. Most often doctors will prescribe a certain diet and lifestyle changes like getting a certain amount of exercise regularly as well as insulin therapy and other treatments to improve your health. You need to prove to the SSA that you are doing everything possible to improve your condition by strictly following your doctor’s orders in order to be considered eligible for disability benefits. </span></p>
<p><b>Medical Vocational Allowance</b></p>
<p><span style="font-weight: 400;"><img loading="lazy" decoding="async" class="wp-image-3569 alignright" src="https://www.diabetes365.org/wp-content/uploads/2020/06/disabili-1-816x656-1-1.jpg" alt="" width="490" height="394" srcset="https://www.diabetes365.org/wp-content/uploads/2020/06/disabili-1-816x656-1-1.jpg 816w, https://www.diabetes365.org/wp-content/uploads/2020/06/disabili-1-816x656-1-1-300x241.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2020/06/disabili-1-816x656-1-1-768x617.jpg 768w" sizes="(max-width: 490px) 100vw, 490px" />Often people who have diabetes fail to meet the very strict requirements set by the SSA in order to qualify for disability benefits due to diabetes. When this happens, there is still a way that you can be eligible for disability benefits. It’s called a </span><a href="https://www.disabilitybenefitscenter.org/glossary/medical-vocational-allowance"><span style="font-weight: 400;">Medical Vocational Allowance</span></a><span style="font-weight: 400;">. In order to be qualified for disability benefits under this exception you will need to download a Residual Functional Capacity form from the SSA’s website and have your doctor fill it out.</span></p>
<p><span style="font-weight: 400;">The Residual Functional Capacity evaluation is where your doctor can make a case for you to receive benefits. Your doctor will need to describe in great detail why your condition makes it impossible for you to work. The doctor will also need to describe the specific limitations related to your diabetes that make it impossible for you to do the kind of work that you had been doing. </span></p>
<p><span style="font-weight: 400;">After you get the RFC evaluation back from your doctor you can submit your claim, your medical documentation, and your evaluation to the SSA. The SSA will then examine your documentation and look at factors like your age, your work history, and your skill set. They will look to see if there is any kind of work at all that you can do. If they can’t find any type of work that you’re qualified to do with the limitations that you have then you will be eligible for SSA benefits. </span></p>
<p><b>Filing A Claim</b></p>
<p><span style="font-weight: 400;">The best way to file a claim is to make an appointment at your </span><a href="https://www.disabilitybenefitscenter.org/state-social-security-disability"><span style="font-weight: 400;">local SSA branch office</span></a><span style="font-weight: 400;">. Bring all of your documentation and paperwork with you and someone at the SSA office will help you fill out the claim forms and submit your documentation.   As you are probably aware, this process will take time.  Please do not expect a decision overnight.  Most likely there will be follow up phone calls and questions you’ll need to answer.</span></p>
<p><b>How to Appeal a Denial</b></p>
<p><span style="font-weight: 400;">It’s very common for people to have their claim for disability benefits denied on the first try. If you are denied you need to file an appeal immediately. Your appeal will be heard by an administrative law judge and you are allowed to have a lawyer. Having a lawyer that specializes in disability benefit claims can be a huge help in getting an approval because the lawyer can present a cogent fact-based case for why you should be approved based on the Social Security Administration’s listings and rules. </span></p>
<p>&nbsp;</p>
<p><b>Resources</b><span style="font-weight: 400;">:</span></p>
<p><span style="font-weight: 400;">Diabetes 365: </span><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">https://www.diabetes365.org/</span></a></p>
<p><span style="font-weight: 400;">Diabetes and SSDI: </span><a href="https://www.disabilitybenefitscenter.org/social-security-disabling-conditions/diabetes"><span style="font-weight: 400;">https://www.disabilitybenefitscenter.org/social-security-disabling-conditions/diabetes</span></a></p>
<p><span style="font-weight: 400;">Blue Book Listing for Amputation: </span><a href="https://www.ssa.gov/disability/professionals/bluebook/1.00-Musculoskeletal-Adult.htm#1_05"><span style="font-weight: 400;">https://www.ssa.gov/disability/professionals/bluebook/1.00-Musculoskeletal-Adult.htm#1_05</span></a></p>
<p><span style="font-weight: 400;">Medical Vocational Allowance: </span><a href="https://www.disabilitybenefitscenter.org/glossary/medical-vocational-allowance"><span style="font-weight: 400;">https://www.disabilitybenefitscenter.org/glossary/medical-vocational-allowance</span></a></p>
<p><span style="font-weight: 400;">Local SSA Office: </span><a href="https://www.disabilitybenefitscenter.org/state-social-security-disability"><span style="font-weight: 400;">https://www.disabilitybenefitscenter.org/state-social-security-disability</span></a></p>
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		<title>Non-Medical Exam Life Insurance for Diabetics</title>
		<link>https://www.diabetes365.org/non-medical-exam-life-insurance-for-diabetics/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=non-medical-exam-life-insurance-for-diabetics</link>
		
		<dc:creator><![CDATA[Matt Schmidt]]></dc:creator>
		<pubDate>Sun, 04 Jul 2021 04:00:53 +0000</pubDate>
				<category><![CDATA[General Diabetes]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Type 1 Diabetes]]></category>
		<category><![CDATA[Type 2 Diabetes]]></category>
		<category><![CDATA[diabetes]]></category>
		<category><![CDATA[diabetes 365]]></category>
		<category><![CDATA[diabetes life insurance]]></category>
		<category><![CDATA[life insurance for diabetes]]></category>
		<category><![CDATA[non medical exam]]></category>
		<guid isPermaLink="false">https://www.diabetes365.org/?p=2901</guid>

					<description><![CDATA[It is very important to have life insurance for yourself, especially if you have diabetes. You may think that in order to be eligible for diabetes life insurance, you have to undergo a medical exam, and have your medical records reviewed. This is not true. Currently in the United States, there are nearly 31 million ... <a title="Non-Medical Exam Life Insurance for Diabetics" class="read-more" href="https://www.diabetes365.org/non-medical-exam-life-insurance-for-diabetics/" aria-label="More on Non-Medical Exam Life Insurance for Diabetics">Read more</a>]]></description>
										<content:encoded><![CDATA[<p><span style="font-weight: 400;">It is very important to have life insurance for yourself, especially if you have diabetes. You may think that in order to be eligible for diabetes life insurance, you have to undergo a medical exam, and have your medical records reviewed. This is not true. </span></p>
<p><span style="font-weight: 400;">Currently in the United States, there are nearly 31 million people with Type 2 Diabetes, 1.25 million people </span><a href="https://www.healthline.com/health/diabetes/facts-statistics-infographic"><span style="font-weight: 400;">living with Type 1 Diabetes</span></a><span style="font-weight: 400;">, and another 84 million have </span><span style="font-weight: 400;">Pre-Diabetes</span><span style="font-weight: 400;">.</span></p>
<p><span style="font-weight: 400;">It is very possible for people living with diabetes to find affordable </span><a href="https://www.diabetes365.org/blog/life-insurance/"><span style="font-weight: 400;">diabetic life insurance coverage</span></a><span style="font-weight: 400;">, and there are actually several different choices of coverage available to the Diabetes community.  You may be eligible for non-medical exam life insurance for diabetics, and just not know it! Everyone’s Diabetes history is different, so please simply request a quote, and an agent can determine the various options available to you.</span></p>
<h3>What Is Non-Medical Exam Life Insurance for Diabetics?</h3>
<p><a href="https://www.investopedia.com/articles/insurance/012517/getting-life-insurance-without-medical-exam.asp"><span style="font-weight: 400;">Non-medical exam life insurance</span></a><span style="font-weight: 400;">, also known as no exam life insurance, is a type of policy that does not require blood tests, urine tests, or additional testing when applying for life insurance coverage.  </span></p>
<p><span style="font-weight: 400;">The majority of traditional life insurance companies often require the applicant to have a medical exam, completed by an examiner, before qualifying for a life insurance plan. </span></p>
<p><span style="font-weight: 400;"><img loading="lazy" decoding="async" class="size-medium wp-image-2892 alignright" src="https://www.diabetes365.org/wp-content/uploads/2018/11/AdobeStock_195990710-1-300x200.jpeg" alt="" width="300" height="200" srcset="https://www.diabetes365.org/wp-content/uploads/2018/11/AdobeStock_195990710-1-300x200.jpeg 300w, https://www.diabetes365.org/wp-content/uploads/2018/11/AdobeStock_195990710-1-1024x683.jpeg 1024w, https://www.diabetes365.org/wp-content/uploads/2018/11/AdobeStock_195990710-1-768x512.jpeg 768w, https://www.diabetes365.org/wp-content/uploads/2018/11/AdobeStock_195990710-1-1536x1025.jpeg 1536w" sizes="(max-width: 300px) 100vw, 300px" />This is because life insurance companies tend to prefer to ‘fully underwrite’ a person, who has Diabetes.  They will want to review your lab results, in addition to the last 5 years worth of your medical and Diabetes records.  All of this information would be used by an Underwriter, to make a formal offer of life insurance coverage. The rates will vary from person to person, and again are determined by a review of a person’s complete health profile.</span></p>
<p><span style="font-weight: 400;">Life insurance companies look at diabetes as a progressive disease. This means that the longer you have had it, the more susceptible you are to complications from the elevated blood sugar, and thus the more risky you are to insure. This is part of the reason why type 1 diabetics who were diagnosed early in life (usually before age 30) have a harder time getting insured than type 2 diabetics who were diagnosed after 30 and are able to better control their condition.</span></p>
<p><span style="font-weight: 400;">Good news!  If you don’t want to wait weeks for an offer of coverage, or if you don’t want to go thru these hoops and hurdles, you can opt for a no medical exam life insurance policy for diabetics.  </span></p>
<h3>What is the Application Process Without an Exam?</h3>
<p><span style="font-weight: 400;">The application process is pretty similar to traditional life insurance policies, minus the examination.  Applications can be completed electronically, or if you prefer, you can print them out, and put pen to paper.  You’ll provide the life insurance companies your pertinent information such as:</span></p>
<ul>
<li>Age of Diabetes Onset</li>
<li>Current medications, if any, being prescribed to help control your diabetes.</li>
<li>Any use of Diabetes technology such as a CGM?</li>
<li>Most recent A1C reading.</li>
<li>Any diabetic complications?</li>
<li>How often do you test your blood sugar</li>
<li>Any other medications currently taking outside of Diabetes medications?</li>
<li>Any major health issues?</li>
<li>Any use tobacco products within the last year?</li>
<li>Approximate height and weight.</li>
</ul>
<p><span style="font-weight: 400;">In addition to this information,  insurance companies will also do a motor vehicle record review, a prescription drug background check, and a review of your </span><a href="https://www.mib.com/request_your_record.html"><span style="font-weight: 400;">MIB report</span></a><span style="font-weight: 400;">.  Certain companies may also review your medical records.  Not all will, but some can require them. The information gathered, determines if you qualify, or not.</span></p>
<p><span style="font-weight: 400;"> If not wanting companies ‘snooping’ thru your records, just let your agent know this up front.  They can make recommendations based off your preferences. Non medical exam life insurance with Diabetes doesn’t have to be confusing.  Simply contact us, have a brief conversation, and from there we can provide you with all the information you are seeking.</span></p>
<h3><b><img loading="lazy" decoding="async" class="aligncenter wp-image-2881 size-full" src="https://www.diabetes365.org/wp-content/uploads/2018/11/DiabeticNoExam-1.png" alt="" width="792" height="612" srcset="https://www.diabetes365.org/wp-content/uploads/2018/11/DiabeticNoExam-1.png 792w, https://www.diabetes365.org/wp-content/uploads/2018/11/DiabeticNoExam-1-300x232.png 300w, https://www.diabetes365.org/wp-content/uploads/2018/11/DiabeticNoExam-1-768x593.png 768w" sizes="(max-width: 792px) 100vw, 792px" /></b></h3>
<h3>Pros &amp; Cons of Non-Medical Exam Life Insurance</h3>
<h4><span style="font-weight: 400;">Pros:</span></h4>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">No needle sticks, blood draws or doctor’s appointments</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Faster decision (Some get approved in just a few minutes, but most get approved within 72 hours)</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Convenient</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Less scrutiny when it comes to your medical history</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Possibility of not having medical records reviewed.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Most policies come with free built in “living benefit riders”</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Could be your BEST PRICED option</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Perfect for policies to meet SBA Loan obligations</span></li>
</ul>
<h4><span style="font-weight: 400;">Cons:</span></h4>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Could be more expensive, compared to policies that require additional testing</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Limits on coverage amounts</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Not as many life insurance companies to choose from, compared to traditional life insurance</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Certain non medical exam products are not available in every state</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Could be tougher to qualify for, depending on your prescription drug history, and previous life insurance application history</span></li>
</ul>
<h3>Who Qualifies for Non-Medical Exam Diabetic Life Insurance?</h3>
<p><span style="font-weight: 400;">Believe it or not, almost anyone with Diabetes, qualifies for some type of non-medical exam life insurance policy. However, people who typically purchase non-medical exam life insurance tend to fall under one of the following categories: People with “white coat” syndrome who want to escape the stress of a medical exam and the dread getting poked with a needle during a blood draw.  </span></p>
<p><span style="font-weight: 400;">Or maybe you are a very busy person and cannot make any time to schedule an exam, People needing insurance in a hurry for a purpose, such as to collateralize a loan, meet a divorce obligation, and People who only require a smaller amount of life insurance (less than $500,000) are often prime candidates for a policy that does not require a medical exam</span></p>
<h4 style="padding-left: 30px;">+ People with Type 1 Diabetes</h4>
<p style="padding-left: 30px;"><span style="font-weight: 400;">If you have Type 1 diabetes or you are an insulin-dependent diabetic, diagnosed before the age of 30, you will typically face the largest challenges for qualifying for life insurance coverage.  However, you would still have options for Term and Whole Life Insurance that wouldn’t require an examination. The number of options available to you is limited when compared to people diagnosed with diabetes later in life.  </span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;"><img loading="lazy" decoding="async" class="wp-image-2897 size-medium alignright" src="https://www.diabetes365.org/wp-content/uploads/2018/11/Untitled-1-2-1-300x239.png" alt="" width="300" height="239" srcset="https://www.diabetes365.org/wp-content/uploads/2018/11/Untitled-1-2-1-300x239.png 300w, https://www.diabetes365.org/wp-content/uploads/2018/11/Untitled-1-2-1.png 572w" sizes="(max-width: 300px) 100vw, 300px" />If you were diagnosed with Type 1 Diabetes before age 30, and are in need of a Term Life Insurance policy without a medical exam, more than likely companies will review your last three to five years worth of Diabetes records. If diagnosed at age 30 or later, then several companies would consider without an exam, or review of medical records.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">What if you are in need of a permanent form of life insurance?  If your financial objectives fit this type of life insurance product, there would companies that would offer up to $100,000 in coverage, no matter the age of your Type 1 Diabetes.  Different products, and companies would be determined by, the state you reside in.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">To determine rates and eligibility, the various life insurance companies are going to simply ask if you questions about your Type 1 Diabetes history, use of Diabetes related technology, and other health questions.  If you use an insulin pump, we’d simply ask a few follow up questions to this matter. Or maybe you have an artificial pancreas. If that’s the case, again, there would be additional questions that we would ask. The Diabetes technology world is constantly changing, and this is why you want to work with specialists such as </span><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">Diabetes 365</span></a><span style="font-weight: 400;"> !!!!  WE will help you find the best life insurance company, based off your Diabetes profile!!!</span></p>
<h4 style="padding-left: 30px;">+ People with Type 2 Diabetes</h4>
<p style="padding-left: 30px;"><span style="font-weight: 400;">It is typically easier to qualify for </span><a href="https://diabeteslifesolutions.com/life-insurance-for-type-2-diabetics/"><span style="font-weight: 400;">life insurance for Type 2 diabetics</span></a><span style="font-weight: 400;">. Some life insurance companies are much more lenient with applicants who are able to control their diabetes through diet and exercise and/or with an oral diabetes medication and Insulin.  If having Type 2 Diabetes, that will open more doors, and you’ll have more options to choose from. In the life insurance world we currently live in, companies tend to favor people who have Type 2 Diabetes, compared to an individual with Type 1 Diabetes when applying for no medical exam life insurance policies.  This means that your rates may be lower, depending on your Diabetes history.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;"> If you do not require insulin to control your blood sugar, there are potential workarounds for getting a competitively priced policy approved with similar rates as person who applies using a medical exam policy. Type 2 diabetics with an A1C of 8.0 or lower will usually have an easier time finding the most affordable life insurance rates.  If A1C is 10.0 or lower, you’ll still have options. It’s always a good idea to contact us, explain your situation, and let the Diabetes Life Insurance experts guide you thru your search of life insurance. </span></p>
<h4 style="padding-left: 30px;">+ People with Prediabetes</h4>
<p style="padding-left: 30px;"><span style="font-weight: 400;">Having Pre-Diabetes should not have any impact, on you qualifying for a no medical exam life insurance policy.  Assuming that you are following Doctors orders, possibly exercising and watching your diet, the process should be a ‘breeze’.  </span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">You may qualify for Term Life Insurance policies up to $1 Million in coverage, where an approval is made in minutes or within 48 hours.  Permanent insurance could also be obtained in a matter of minutes or days.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">As long as there’s no red flags in your prescription history, or any other significant health issues, your rates would be the same as a person who isn’t considered Pre-Diabetic.  For the majority of non medical exam life insurance providers, Pre-Diabetes isn’t a concern</span></p>
<h4 style="padding-left: 30px;">+ People with History of Gestational Diabetes</h4>
<p style="padding-left: 30px;"><span style="font-weight: 400;">Gestational Diabetes is more common than most people think.  American Diabetes Association even claims that nearly 9.2% of women who are pregnant, can be diagnosed with </span><a href="https://www.diabetes.org/diabetes-basics/gestational/what-is-gestational-diabetes.html"><span style="font-weight: 400;">Gestational Diabetes</span></a><span style="font-weight: 400;">.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">Luckily, history of Gestational Diabetes has little impact on your non medical exam life insurance with Diabetes.  Companies are going to be mainly concerned with your current height, weight, and other lifestyle choices. The main thing we recommend is to be compliant with your Doctor&#8217;s instructions.  Meaning if they encourage your to watch your diet, exercise, refrain from alcohol, then please listen to your medical professional.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">People with history of Gestational Diabetes should have no issues qualifying for both Term and Permanent insurance products.  There would be a plethora of options for you to choose from. Simply speak with one of our licensed agents, and let them help find you the best type of policy given your financial needs.</span></p>
<h3>Common Types of Non-Medical Exam Life Insurance for Diabetics</h3>
<p><span style="font-weight: 400;">The most common life insurance options that do not require a medical exam include:</span></p>
<h4 style="padding-left: 30px;">No Medical Exam Term Life Insurance</h4>
<p style="padding-left: 30px;"><span style="font-weight: 400;">If you’re between the ages of 21 and 70 you can purchase a policy without an exam for $25,000 to  $500,000 in death benefits. The rates for </span><a href="https://www.diabetes365.org/term-life-insurance-for-diabetics/"><span style="font-weight: 400;">term life insurance for diabetics</span></a><span style="font-weight: 400;"> are fixed and are available in 10, 15, 20, and 30 year terms.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">There is no obligation to keep the term life insurance policy for the entire duration.  If you no longer wish to have the life insurance policy, you can simply cancel it at any time.  By doing so, the life insurance policy will no longer be in force.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">Many term policies come with the discussed ‘living benefit riders’ at no extra fee to you.  If diagnosed with a Chronic, Critical, or Terminal Illness, you could accelerate part of the death benefit, while living, and use the life insurance benefit as you see fit.</span></p>
<h4 style="padding-left: 30px;">Guaranteed Universal Life Insurance (GUL)</h4>
<p style="padding-left: 30px;"><a href="https://www.nerdwallet.com/blog/insurance/types-of-life-insurance/"><span style="font-weight: 400;">Guaranteed Universal life insurance</span></a><span style="font-weight: 400;"> policies offer a fixed death benefit of up to $500,000 with a fixed monthly cost guaranteed not to change as you get older. GUL’s are available for applicants between the ages of 21 and 75, and also known as term-to-Age 100 policies because these policies offer rates and coverage that is guaranteed until age 80, 85, 90, 95, or 100 or later.  As the insured, you can really ‘dial’ in the length of a policy you want, to match your financial needs. These policies are a great alternative to expensive non-guaranteed universal life insurance policies because they are provide GUARANTEED premiums. </span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">These policies may be ideal for a person who simply wants permanent life insurance coverage, and isn’t worried about the ‘cash value’ of a policy.  Guaranteed Universal LIfe policies are considerably less expensive, compared to Whole Life Insurance policies.</span></p>
<h4 style="padding-left: 30px;">Level Death Benefit Whole Life</h4>
<p style="padding-left: 30px;"><span style="font-weight: 400;">These Whole Life Insurance policies tend to be expensive, but if your health is average or better, they are very easy to qualify for.  As you are probably aware, Whole Life insurance is a form of permanent insurance, with guaranteed level rates.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;"><img loading="lazy" decoding="async" class="size-medium wp-image-2899 alignright" src="https://www.diabetes365.org/wp-content/uploads/2018/11/Untitled-2-1-300x179.jpg" alt="" width="300" height="179" srcset="https://www.diabetes365.org/wp-content/uploads/2018/11/Untitled-2-1-300x179.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2018/11/Untitled-2-1.jpg 681w" sizes="(max-width: 300px) 100vw, 300px" />In addition to providing life insurance coverage, Whole Life Insurance policies accrue cash value over time. The cash value could be accessed thru a ‘policy loan’, or if you surrendered the policy.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">The policy covers a person’s entire life.  At the time of death, the policy will pay the death benefit to the beneficiary, in a lump sum payment.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">People with Type 1 and Type 2 Diabetes would have several options for these non medical policies.  You could purchase a policy without an exam from $5000 to $100,000 in coverage.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">The older you become, the lower amount of coverage may be offered by the various companies.  Companies will begin offering lower limits of Whole Life Insurance as you enter your 60’s, 70’s, and 80’s.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">Some people take out smaller amounts of non medical exam Whole Life Insurance to cover burial costs, and</span><a href="https://burialinsurancepro.org/final-expense-insurance/"><span style="font-weight: 400;"> final expenses</span></a><span style="font-weight: 400;">.  Policies like these are easily obtainable, and very affordable for Diabetics.  </span></p>
<h4 style="padding-left: 30px;">Guaranteed Issue Life Insurance for Diabetics</h4>
<p style="padding-left: 30px;"><span style="font-weight: 400;">Guaranteed issue policies offer up to $25,000 in death benefits for those who are between ages 40 and 85 and have serious health issues. These policies are the ones that you normally see advertised on TV by celebrities or AARP and they tend to be expensive for the amount of coverage you receive because “no health questions are asked.”</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">Since a person cannot be turned down for coverage, the Whole LIfe Insurance policy will have a TWO year waiting period on paying out the full death benefit of the policy.  If a person passes away of natural causes in first TWO years, all premiums paid into policy plus 10% is refunded to beneficiary. If death occurs at any time after the first two years, then full amount of policy is paid to beneficiary.</span></p>
<p style="padding-left: 30px;"><strong>Here are some sample rates for Guaranteed Issue Life Insurance for Diabetics</strong></p>
<p style="text-align: center;">Male Monthly Rates</p>
<p style="text-align: center;">
<table id="tablepress-1" class="tablepress tablepress-id-1 tablepress-responsive">
<thead>
<tr class="row-1 odd">
	<th class="column-1">Age</th><th class="column-2">$5,000</th><th class="column-3">$10,000</th><th class="column-4">$15,000</th><th class="column-5">$20,000</th><th class="column-6">$25,000</th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1">50</td><td class="column-2">$19.66</td><td class="column-3">$38.41</td><td class="column-4">$57.15</td><td class="column-5">$75.90</td><td class="column-6">$94.65</td>
</tr>
<tr class="row-3 odd">
	<td class="column-1">55</td><td class="column-2">$23.55</td><td class="column-3">$46.11</td><td class="column-4">$68.70</td><td class="column-5">$91.31</td><td class="column-6">$113.90</td>
</tr>
<tr class="row-4 even">
	<td class="column-1">60</td><td class="column-2">$28.78</td><td class="column-3">$56.65</td><td class="column-4">$84.52</td><td class="column-5">$112.38</td><td class="column-6">$140.25</td>
</tr>
<tr class="row-5 odd">
	<td class="column-1">65</td><td class="column-2">$34.60</td><td class="column-3">$68.29</td><td class="column-4">$101.98</td><td class="column-5">$135.67</td><td class="column-6">$169.36</td>
</tr>
<tr class="row-6 even">
	<td class="column-1">70</td><td class="column-2">$44.41</td><td class="column-3">$87.91</td><td class="column-4">$131.41</td><td class="column-5">$174.90</td><td class="column-6">$218.40</td>
</tr>
<tr class="row-7 odd">
	<td class="column-1">75</td><td class="column-2">$62.79</td><td class="column-3">$124.67</td><td class="column-4">$186.54</td><td class="column-5">$248.42</td><td class="column-6">$310.29</td>
</tr>
<tr class="row-8 even">
	<td class="column-1">80</td><td class="column-2">$110.92</td><td class="column-3">$220.92</td><td class="column-4">$330.92</td><td class="column-5">$440.92</td><td class="column-6">$550.92</td>
</tr>
</tbody>
</table>
<!-- #tablepress-1 from cache --></p>
<p style="text-align: center;">Female Monthly Rates</p>
<p style="text-align: center;">
<table id="tablepress-2" class="tablepress tablepress-id-2 tablepress-responsive">
<thead>
<tr class="row-1 odd">
	<th class="column-1">Age</th><th class="column-2">$5,000</th><th class="column-3">$10,000</th><th class="column-4">$15,000</th><th class="column-5">$20,000</th><th class="column-6">$25,000</th>
</tr>
</thead>
<tbody class="row-hover">
<tr class="row-2 even">
	<td class="column-1">50</td><td class="column-2">$14.53</td><td class="column-3">$28.14</td><td class="column-4">$41.75	</td><td class="column-5">$55.37</td><td class="column-6">$68.98</td>
</tr>
<tr class="row-3 odd">
	<td class="column-1">55</td><td class="column-2">$18.38</td><td class="column-3">$35.84</td><td class="column-4">$53.30</td><td class="column-5">$70.77</td><td class="column-6">$88.23</td>
</tr>
<tr class="row-4 even">
	<td class="column-1">60</td><td class="column-2">$23.70</td><td class="column-3">$46.48</td><td class="column-4">$69.25</td><td class="column-5">$92.03</td><td class="column-6">$114.81</td>
</tr>
<tr class="row-5 odd">
	<td class="column-1">65</td><td class="column-2">$28.19</td><td class="column-3">$55.46</td><td class="column-4">$82.73</td><td class="column-5">$110.00</td><td class="column-6">$137.27</td>
</tr>
<tr class="row-6 even">
	<td class="column-1">70</td><td class="column-2">$34.83</td><td class="column-3">$68.75</td><td class="column-4">$102.67</td><td class="column-5">$136.58</td><td class="column-6">$170.50</td>
</tr>
<tr class="row-7 odd">
	<td class="column-1">75</td><td class="column-2">$45.60</td><td class="column-3">$90.29</td><td class="column-4">$134.98</td><td class="column-5">$179.67</td><td class="column-6">$224.36</td>
</tr>
<tr class="row-8 even">
	<td class="column-1">80</td><td class="column-2">$76.54</td><td class="column-3">$152.17</td><td class="column-4">$227.79</td><td class="column-5">$303.42</td><td class="column-6">$379.04</td>
</tr>
</tbody>
</table>
<!-- #tablepress-2 from cache --></p>
<h4 style="padding-left: 30px;">Graded Death Benefit Whole Life Insurance</h4>
<p style="padding-left: 30px;"><span style="font-weight: 400;">Similar to a Guaranteed Issue Life product, these policies won’t pay out the full death benefit until policy is TWO years or older.  However, if you can answer NO to a few health questions, some Life Insurance companies will offer policies that pay 40% of Death Benefit in year 1 of policy, and 70% of Death benefit of Policy in Year 2.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">Policies like these may be less expensive compared to Guarantee Issue Whole Life Insurance policies, and would more of a death benefit in the first Two years of a policy.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;">To determine what plans are ideal for your situation, please simply contact us.  We’d love to help make recommendations that are suitable given your health profile.</span></p>
<h3>What Types of Life Insurance Riders are Available?</h3>
<p><span style="font-weight: 400;">Great news for people living with the various Types of Diabetes!  Your policies can come with the same type of ‘riders’ that people without Diabetes can obtain. We’re going to outline a few of the most popular riders that our clients choose.</span></p>
<ul>
<li style="font-weight: 400;"><b>Return of Premium Rider</b><span style="font-weight: 400;">:  With this ‘rider’, when your term life insurance policy is up, and assuming you are still alive, you receive all of the premiums you paid into policy back.  This is paid lump sum, and is tax free.</span></li>
<li style="font-weight: 400;"><b>Waiver of Premium Rider</b><span style="font-weight: 400;">:  Waiver of premium rider is often times referred to as waiver of premium for disability.  With this rider, if you became sick, or injured and could no longer work, the rider would go into effect.  The rider would cover your policy, as no more premiums would be due from you. </span><a href="https://www.ssa.gov/disabilityfacts/facts.html"><span style="font-weight: 400;">One in five americans live with a Disability</span></a><span style="font-weight: 400;">, so a rider like this may be a good idea to consider.</span></li>
<li style="font-weight: 400;"><b>Accelerated Living Benefit Riders</b><span style="font-weight: 400;">:  </span><span style="font-weight: 400;">In our eyes, these are some of the most important riders, or benefits you can have with a life insurance policy. Three main type of Living Benefit Riders are available, and most policies include all three:</span></li>
</ul>
<blockquote>
<p style="padding-left: 30px;"><b>Terminal Illness</b><span style="font-weight: 400;">&#8211;  This benefit would allow the owner of policy to receive a portion of the death benefit, if the insured was diagnosed with a Terminal Illness.  Owner would simply provide written evidence from a Doctor supporting that the insured has an illness that is expected to result in death within twelve months.</span></p>
<p style="padding-left: 30px;"><b>Chronic Illness</b><span style="font-weight: 400;">&#8211;  </span><span style="font-weight: 400;">This benefit allow the owner of policy to receive a portion of the death benefit if the insured is diagnosed with a Chronic Illness.  Again, you’d provide written evidence from a medical professional, stating the following: </span><span style="font-weight: 400;">(1) Not being able to perform at least two activities of daily living for at least 90 days, as defined in the rider, or (2) Requiring substantial supervision due to severe cognitive impairment for at least 90 days, as defined in the rider.</span></p>
<p style="padding-left: 30px;"><b>Critical Illness</b><span style="font-weight: 400;">&#8211;  With this benefit, the owner can elect to receive payment of a portion of the death benefit if the insured is diagnosed with a Critical Illness.  The owner of policy provides evidence for a licensed Physician, confirming the qualifying event. </span><span style="font-weight: 400;">Some qualifying events are Heart Attacks, Strokes, Cancer, Renal Failure, or an Organ transplant.</span></p>
</blockquote>
<p><span style="font-weight: 400;">Obtaining Life Insurance for Diabetics is always an important decision for you and your family. But discussing specific ‘riders’ are equally as important. It doesn’t have to be confusing or complicated.  Simply visit with one of our agents, who can help you with these life altering decisions.</span></p>
<p><span style="font-weight: 400;">To get a free quote for non-medical exam life insurance simply fill out the form on the right hand side of the screen.   Or better yet, give us a call. We only work with the Diabetes community, so we are trained compared to other agencies that work with all types of health conditions. These groups are ones to avoid.</span></p>
<p><span style="font-weight: 400;">We provide a first class customer service experience to all of our clients.  Make the phone call today!</span></p>
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		<title>Life Insurance for Diabetics on Paleo Diet</title>
		<link>https://www.diabetes365.org/life-insurance-for-diabetics-on-paleo-diet/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=life-insurance-for-diabetics-on-paleo-diet</link>
		
		<dc:creator><![CDATA[Matt Schmidt]]></dc:creator>
		<pubDate>Mon, 19 Nov 2018 16:21:59 +0000</pubDate>
				<category><![CDATA[Food and Diet]]></category>
		<category><![CDATA[General Diabetes]]></category>
		<category><![CDATA[Insurance]]></category>
		<guid isPermaLink="false">https://www.diabetes365.org/?p=2442</guid>

					<description><![CDATA[The Paleo Diet is a strict diet that is also referred to as the caveman diet. Basically, the diet consists of things that if the caveman did not eat it, neither do you. Your main focus in this diet is anything you can hunt or gather. This means meat, fish, leafy greens, nuts, seeds, and ... <a title="Life Insurance for Diabetics on Paleo Diet" class="read-more" href="https://www.diabetes365.org/life-insurance-for-diabetics-on-paleo-diet/" aria-label="More on Life Insurance for Diabetics on Paleo Diet">Read more</a>]]></description>
										<content:encoded><![CDATA[<p><span style="font-size: 16px; font-weight: 400;">The Paleo Diet is a strict diet that is also referred to as the caveman diet. Basically, the diet consists of things that if the caveman did not eat it, neither do you. Your main focus in this diet is anything you can hunt or gather. This means meat, fish, leafy greens, nuts, seeds, and vegetables.</span></p>
<p><span style="font-weight: 400;">This is the basics of the diet however, there are many benefits and more to it than if the </span><a href="https://www.scientificamerican.com/article/why-paleo-diet-half-baked-how-hunter-gatherer-really-eat/"><span style="font-weight: 400;">caveman did not eat it neither do you</span></a><span style="font-weight: 400;">.</span></p>
<h3><span style="font-weight: 400;"><img loading="lazy" decoding="async" class="wp-image-3036 alignright" src="https://www.diabetes365.org/wp-content/uploads/2018/11/Paleo_2-1-945x1024.jpg" alt="" width="481" height="550" />What is the Paleo Diet?</span></h3>
<p><span style="font-weight: 400;">This diet helps you stop counting calories and making sure your portions are perfect, instead you are looking at healthier foods so you can have a healthier body. </span><a href="https://thepaleodiet.com/"><span style="font-weight: 400;">The Paleo Diet</span></a><span style="font-weight: 400;"> can help you lose weight and get in shape as well. Many people use this diet to rid that extra fat and build muscle.</span></p>
<p><span style="font-weight: 400;">Now you are probably thinking, not another diet. I hate those words. Well, this is not necessarily a diet, it is more of what is good for you and did not exist back in the caveman era where they hunted and gathered their food.</span></p>
<p><span style="font-weight: 400;">No sugary foods, no cereals, and nothing basically that was bad for you.</span></p>
<h3><span style="font-weight: 400;">The Human Body and the Paleo Diet</span></h3>
<p><span style="font-weight: 400;">The average homo sapien back in that era was fit, agile, muscular, athletic whereas today the average homo sapiens is overweight, stressed-out, unhappy, sleep deprived, and has many diseases.</span></p>
<p><span style="font-weight: 400;">So what exactly happened to get humans to this point? Farming happened. Hunter-gatherers turned into farmers. Now, this is great because so many different things have happened since people have made communities and new inventions, except our bodies never changed the way our lifestyle did.</span></p>
<p><span style="font-weight: 400;">Our bodies never really adapted to the many grains and sugars that humans are now consuming in large amounts. This caused humans to start gaining weight.</span></p>
<p><span style="font-weight: 400;">The body is not made to consume large amounts of grains and sugars, because it was used to meat and vegetables. With humans now at an astonishing </span><a href="https://clinical.diabetesjournals.org/content/22/1/1"><span style="font-weight: 400;">rate of obesity</span></a><span style="font-weight: 400;"> with numbers as high as 33% and 66% are overweight.</span></p>
<p><span style="font-weight: 400;">Many people start to </span><a href="https://paleoleap.com/paleo-101/"><span style="font-weight: 400;">consider the Paleo Diet</span></a><span style="font-weight: 400;"> to help them lose weight and make their bodies happy.</span></p>
<h3><span style="font-weight: 400;">No Grains</span></h3>
<p><span style="font-weight: 400;">The Paleo Diet does not consist of grains because there were no grains which mean our body is not used to the large consumption of them. When grains enter the body they are carbohydrates which turn into sugars, and for many people, then turn into fat.</span></p>
<p><span style="font-weight: 400;">Which is no good.</span></p>
<p><span style="font-weight: 400;">Sugar is </span><a href="https://www.nerdfitness.com/blog/the-beginners-guide-to-the-paleo-diet/"><span style="font-weight: 400;">out of the diet</span></a><span style="font-weight: 400;"> as well. No candies, sodas, or cake. This is because the only sugar you will be getting is natural sugar from fruit. Sugar can cause a huge problem in your body if the energy created by sugar is not used immediately. It is turned into fat.</span></p>
<p><span style="font-weight: 400;">Processed foods are also out of the picture. Anything pre-packaged, processed, pre-made is out of the picture on this diet.</span></p>
<p><img loading="lazy" decoding="async" class="size-medium wp-image-3043 alignleft" src="https://www.diabetes365.org/wp-content/uploads/2018/11/flat550x550075f.u2-1-300x280.jpg" alt="" width="300" height="280" srcset="https://www.diabetes365.org/wp-content/uploads/2018/11/flat550x550075f.u2-1-300x280.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2018/11/flat550x550075f.u2-1.jpg 458w" sizes="(max-width: 300px) 100vw, 300px" /></p>
<h3><span style="font-weight: 400;">Goodbye Carbohydrates</span></h3>
<p><a href="https://ultimatepaleoguide.com/paleo-diet-food-list/"><span style="font-weight: 400;">No carbohydrates, sugars, or processed</span></a><span style="font-weight: 400;"> foods while on this diet. So where do you get your energy from? Well, the answer is simple. The human body was originally designed to run on a low carbohydrate system. When there is an absence of carbohydrates the body actually turns to the stored fat in your body and starts using the fat as your energy source and this is known as </span><a href="https://www.diapedia.org/metabolism-insulin-and-other-hormones/51040851169/ketone-body-metabolism"><span style="font-weight: 400;">ketogenesis</span></a><span style="font-weight: 400;">.</span></p>
<p><span style="font-weight: 400;">Basically, without carbohydrates as a fuel source, your body will attack the fat and you will have more energy while burning fat. You will lose weight easily. Not only will you lose weight you will feel better, less groggy and tired, and you will be able to be a healthier person.</span></p>
<p><span style="font-weight: 400;">Your body fat percentage will go down, you will have a decreased fat storage, and you will look and feel great. Not only do you look great but you can eat as much as you want until you are full because your body will run on this fat to make your energy.</span></p>
<p><span style="font-weight: 400;">You will be losing weight and gaining confidence at the same time.</span></p>
<h3><span style="font-weight: 400;">Can You Intake Dairy on the Paleo Diet?</span></h3>
<p><span style="font-weight: 400;">Dairy is a tricky subject. This seems to be a divide in the Paleo Diet community. This is because the human race is the only animal that drinks milk or consumes dairy after infancy. Studies show that some adaptations to milk have been made over the years in the body, but still some people are lactose intolerant.</span></p>
<p><span style="font-weight: 400;">Dairy is a touchy subject for the Paleo Diet because no one is really sure if it good or bad. Most people tend to stay away from dairy.</span></p>
<p><span style="font-weight: 400;">Not only do you get the benefits of losing weight and being generally healthy, the Paleo Diet has proven to reverse many diseases. It is a very healthy diet and it is proven to help with weight loss, overall health, and will have you more alert than ever.</span></p>
<h3><img loading="lazy" decoding="async" class="alignright wp-image-3042 " src="https://www.diabetes365.org/wp-content/uploads/2018/11/Paleo-Meal-Plan-1-683x1024.jpg" alt="" width="303" height="487" /></h3>
<h3><span style="font-weight: 400;">Paleo Diet and Diabetes</span></h3>
<p><span style="font-weight: 400;">When on the Paleo Diet, a diabetic can expect regulated sugar levels, weight loss, and more energy. You will not be consuming carbohydrates and sugars which will make you tired and groggy but instead, your fat will be burned causing alertness and weight loss. This will mean a healthier lifestyle for you.</span></p>
<p><span style="font-weight: 400;">You will not have to worry about being overweight or not eating enough because this diet allows a lot of food just the right foods.</span></p>
<h3><span style="font-weight: 400;">Life Insurance and the Paleo Diet</span></h3>
<p><span style="font-weight: 400;">With all of the complications that can arise from living with diabetes, the Paleo Diet may be a way to help you maintain a healthy weight and lifestyle. Everyone with diabetes will have different results, to this type of diet.</span></p>
<p><span style="font-weight: 400;">This could not only lead to helping to prevent complications, but can also go a long way when applying for certain things, such as </span><a href="https://www.diabetes365.org/blog/life-insurance/"><span style="font-weight: 400;">life insurance as a diabetic</span></a><span style="font-weight: 400;">. Life insurance companies tend to provide much higher rates to diabetics, even </span><a href="https://diabeteslifesolutions.com/life-insurance-for-type-2-diabetics/"><span style="font-weight: 400;">life insurance for type 2 diabetics</span></a><span style="font-weight: 400;">, than they do people who are considered to be healthy.</span></p>
<p><span style="font-weight: 400;">If you choose to apply for a life insurance policy, either </span><a href="https://www.diabetes365.org/what-is-the-difference-between-term-and-whole-life-insurance/"><span style="font-weight: 400;">term life or whole life</span></a><span style="font-weight: 400;">, that requires a review of medical records, companies will be looking for things such as your Diet. If your records show that you are taking your diet seriously, and that your body and control of Diabetes is responding well to the diet, your offers may come back 10% to 20% better, compared to other people with diabetes.</span></p>
<p><span style="font-weight: 400;">Don’t let all of this be confusing. That&#8217;s why we are here! </span><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">Diabetes 365</span></a><span style="font-weight: 400;"> was created to help the diabetes community, with their Life Insurance needs! We can get an idea of your overall health, financial needs, and we will help you determine what plans, and insurance companies, may be best for your situation.</span></p>
<hr />
<h4><span style="font-weight: 400;">Let’s look at the following example:</span></h4>
<p><span style="font-weight: 400;">For a Male, looking into </span><a href="https://www.diabetes365.org/life-insurance-for-type-1-diabetics/"><span style="font-weight: 400;">Type 1 Diabetes life insurance</span></a><span style="font-weight: 400;">: </span></p>
<p style="padding-left: 30px;"><i><span style="font-weight: 400;">+ Male, age 40, non tobacco user. Type 1 Diabetes onset at age 15. A1C 6.9, exercises regularly, and watches diet, and body responding to the Paleo Diet. He is 5’9” 150 lbs.</span></i></p>
<p style="padding-left: 30px;"><b>A 20 year $100,000 </b><a href="https://www.diabetes365.org/term-life-insurance-for-diabetics/"><b>term life insurance policy</b></a><b> would be about $380.00 annually</b></p>
<p><span style="font-weight: 400;">We will now compare this to the same type of individual, who may does not watch his diet, maybe not exercise as often, and weight is a little off. </span></p>
<p style="padding-left: 30px;"><i><span style="font-weight: 400;">+ Male, age 40, non tobacco user. Type 1 Diabetes onset at age 15, A1C 7.5, not really watching diet and doesn’t have a dedicated exercise program. He is 5’9” and 170 lbs.</span></i></p>
<p style="padding-left: 30px;"><b>A 20 year $100,000 term life insurance policy would be about $500.00 annually.</b></p>
<p><span style="font-weight: 400;">As you can tell rates are slightly higher. Over a 20 year period, this leads to thousands more paid into life insurance premiums.</span></p>
<hr />
<p><span style="font-weight: 400;">There are many ways to obtain affordable diabetic life insurance and being as healthy as you possibly can even with diabetes is a great way to do that. Underwriters may look at your height, weight, BMI, medical history and other factors that can be helped by living on the Paleo Diet. Better your overall health, height, weight, the better your premiums will be!</span></p>
<figure id="attachment_3039" aria-describedby="caption-attachment-3039" style="width: 290px" class="wp-caption alignleft"><img loading="lazy" decoding="async" class="wp-image-3039 size-medium" src="https://www.diabetes365.org/wp-content/uploads/2018/11/Paleo-for-busy-people-1-300x277.jpg" alt="" width="300" height="277" srcset="https://www.diabetes365.org/wp-content/uploads/2018/11/Paleo-for-busy-people-1-300x277.jpg 300w, https://www.diabetes365.org/wp-content/uploads/2018/11/Paleo-for-busy-people-1.jpg 500w" sizes="(max-width: 300px) 100vw, 300px" /><figcaption id="caption-attachment-3039" class="wp-caption-text">Paleo Food Pyramid</figcaption></figure>
<p><span style="font-weight: 400;">You can also opt for a </span><a href="https://www.diabetes365.org/non-medical-exam-life-insurance/"><span style="font-weight: 400;">non-medical exam life insurance policy as a diabetic</span></a><span style="font-weight: 400;">. People who may benefit from a policy that doesn’t require blood/urine exam, or review of medical records, are the diabetics who may not have the best control of their Diabetes, or are not at an ideal Height/Weight. Certain diabetic life insurance companies won’t ask about A1C history. IF your A1C is not where it needs to be, these life insurance policies may be your only option for coverage.</span></p>
<p><span style="font-weight: 400;">The most important fact is to speak with a doctor when deciding any sort of weight loss or exercise plan. Living with Diabetes, there isn’t ONE blueprint that works for everybody!!!</span></p>
<p><span style="font-weight: 400;">Once you do this, speak with one of our agents, and let us see what companies may offer the best diabetes life insurance rates, given your overall health profile. We work with the Diabetes community everyday, with their life insurance needs. Don’t get ‘fooled’ by unethical agents who provide fake quotes to diabetics, to trick you into applying. If you do so, the offers come back much higher.</span></p>
<p><span style="font-weight: 400;">Work with a group who specializes in life insurance for diabetics, and one who will be honest and ethical at all times. </span><a href="https://www.diabetes365.org/contact-us/"><span style="font-weight: 400;">Contact us today</span></a><span style="font-weight: 400;">, and let us begin providing you with information, to help your search for life insurance with Diabetes.</span></p>
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		<title>Term Life Insurance for Diabetics</title>
		<link>https://www.diabetes365.org/term-life-insurance-for-diabetics/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=term-life-insurance-for-diabetics</link>
		
		<dc:creator><![CDATA[Matt Schmidt]]></dc:creator>
		<pubDate>Thu, 08 Nov 2018 13:39:49 +0000</pubDate>
				<category><![CDATA[General Diabetes]]></category>
		<category><![CDATA[Insurance]]></category>
		<guid isPermaLink="false">https://www.diabetes365.org/?p=2193</guid>

					<description><![CDATA[Diabetes is more common than you think. According to NIDDK , here are the latest statistics: Total: An estimated 30.3 million people have diabetes (9.4 percent of the U.S. population) Diagnosed: An estimated 23.1 million people have been diagnosed with diabetes (7.2 percent of the U.S. population) Undiagnosed: An estimated 7.2 million adults, ages 18 ... <a title="Term Life Insurance for Diabetics" class="read-more" href="https://www.diabetes365.org/term-life-insurance-for-diabetics/" aria-label="More on Term Life Insurance for Diabetics">Read more</a>]]></description>
										<content:encoded><![CDATA[<p><span style="font-weight: 400;">Diabetes is more common than you think. According to </span><a href="https://www.niddk.nih.gov/"><span style="font-weight: 400;">NIDDK</span></a><span style="font-weight: 400;"> , here are the latest statistics:</span></p>
<ul>
<li style="font-weight: 400;"><b>Total: </b><span style="font-weight: 400;">An estimated 30.3 million people have diabetes (9.4 percent of the U.S. population)</span></li>
<li style="font-weight: 400;"><b>Diagnosed: </b><span style="font-weight: 400;">An estimated</span> <span style="font-weight: 400;">23.1 million people have been diagnosed with diabetes (7.2 percent of the U.S. population)</span></li>
<li style="font-weight: 400;"><b>Undiagnosed: </b><span style="font-weight: 400;">An estimated</span> <span style="font-weight: 400;">7.2 million adults, ages 18 years or older are undiagnosed (23.8 percent of people with diabetes)</span></li>
</ul>
<p><span style="font-weight: 400;">Purchasing term life insurance for diabetics may not be as easy as you originally thought. You always hear those commercials saying that you can get $500,000 of term life insurance, for $23 dollars per month. Sounds great, doesn’t it???</span></p>
<p><span style="font-weight: 400;">But did you know if you have Diabetes, either </span><a href="https://www.diabetes365.org/life-insurance-for-type-1-diabetics/"><span style="font-weight: 400;">Type 1</span></a><span style="font-weight: 400;"> or Type 2, you won’t qualify for those low, low rates. Or you may be declined all together for those products that are being advertised on TV and the Radio. Sadly, those companies don&#8217;t disclose up front, that Diabetics will not qualify for those lower priced policies.</span></p>
<p><span style="font-weight: 400;"> Life insurance comes in two forms. Permanent, and Term. </span><a href="https://www.diabetes365.org/blog/life-insurance/"><span style="font-weight: 400;">Term life insurance for diabetics</span></a><span style="font-weight: 400;"> can be an affordable alternative to traditional permanent life insurance policies, for the people who will not need life insurance for their entire life.</span></p>
<p><span style="font-weight: 400;">Diabetes term life insurance policies offer lower premiums for individuals with diabetes who cannot afford or who do not need whole life insurance coverage. It is important to weigh the risks and benefits of each type of life insurance policy prior to purchasing as each has their respective pros and cons.</span></p>
<h3>What is Term Life Insurance?</h3>
<p><span style="font-weight: 400;">Term life insurance is a life insurance policy that is secured for a specific period of time. Should the policy holder pass within the time period that the term life insurance policy was active, death benefits would be paid to the beneficiary. However, if the term expires, the coverage is void and no payout will be available upon the death of the policy holder. This is very straightforward, and easy to understand.</span></p>
<p><img loading="lazy" decoding="async" class="wp-image-2944 alignleft" src="https://www.diabetes365.org/wp-content/uploads/2017/04/term-life-insurance-whole-life-insurance-infographic-opengraph-1.jpg" alt="" width="443" height="240" /></p>
<p><span style="font-weight: 400;">Common terms of coverage are often secured for 10, 15, 20, 25 or 30 years (duration of terms vary based on your needs). As is with any life insurance premium, you pay a monthly premium. Term life insurance policies tend to have much lower premiums initially as opposed to permanent life insurance, making term life insurance a more affordable choice for diabetics.</span></p>
<p><span style="font-weight: 400;">The downfall to term life insurance is that there is no guarantee that you will be able to obtain a new policy when the term expires, leaving your death benefit payout dependent on your ability to obtain a new policy if you do not pass within the term of your policy. You never know what your overall health, and control of Diabetes will be, at the time of your next life insurance application.</span></p>
<p><span style="font-weight: 400;">Some companies allow you to convert part, or all of your policy during your initial term period. Generally, a life insurance company will not require you to complete any further underwriting, or health exams. They simply will determine your premium at time of conversion based off current age, and amount of insurance converting.</span></p>
<h3>What Term Life Insurance is Not</h3>
<p><span style="font-weight: 400;">Term life insurance is not a form of permanent or whole life insurance. Whole life insurance policies provide life insurance coverage for the entire duration of the policy holder’s life as long as the premiums are paid in full. Whole life insurance policies also boast the benefit of accumulating cash value – a benefit not present with term life policies. Diabetic term life insurance will only provide coverage, for the term duration, or durations you choose as the policy holder.</span></p>
<p><span style="font-weight: 400;">While whole life insurance policies are highly desirable for their duration of coverage and extensive benefits, monthly premiums associated with whole life policies are much higher than premiums associated with term life policies. Many people with Diabetes will not be able to afford the higher premiums for $250,000, $500,000 or $1,000,000 in life insurance you’ll need to protect your family.</span></p>
<p><span style="font-weight: 400;">For diabetics, already high premiums will be even greater, making whole life policies difficult to afford for diabetics on a limited income. Both term life insurance and whole life insurance will have premiums that do not increase for the term duration of the policy. The following chart breaks</span><span style="font-weight: 400;"> down the differences between Term and Whole life insurance.</span></p>
<p style="text-align: center;"><img loading="lazy" decoding="async" class="aligncenter wp-image-2950 size-large" src="https://www.diabetes365.org/wp-content/uploads/2017/04/Infographic-2-1-1024x656.png" alt="" width="1024" height="656" srcset="https://www.diabetes365.org/wp-content/uploads/2017/04/Infographic-2-1-1024x656.png 1024w, https://www.diabetes365.org/wp-content/uploads/2017/04/Infographic-2-1-300x192.png 300w, https://www.diabetes365.org/wp-content/uploads/2017/04/Infographic-2-1-768x492.png 768w, https://www.diabetes365.org/wp-content/uploads/2017/04/Infographic-2-1.png 1200w" sizes="(max-width: 1024px) 100vw, 1024px" /></p>
<h3>Can I Qualify for Term Life Insurance with Diabetes?</h3>
<p><span style="font-weight: 400;">Without knowing a person’s complete health profile, or their Diabetes history, it’s impossible to say. But for the majority of Type 1 Diabetics, and Type 2 Diabetics, there are generally a plethora of term life insurance options available.</span></p>
<p><span style="font-weight: 400;">Term life insurance rates for Diabetics are currently at an all time low. Overtime, life insurance companies have changed their underwriting guidelines, and begun viewing people with Diabetes a little more favorably, then they have in the pasat.</span></p>
<p><span style="font-weight: 400;">Ultimately, a person’s complete medical history will determine if they qualify for coverage, and at what rates. To determine what your options are simply contact us, and let us share what policies you may qualify for.</span></p>
<h3>What do Term Life Insurance Companies look for in my Diabetes History?</h3>
<p><span style="font-weight: 400;">First off, all diabetic life insurance companies will have different underwriting guidelines for diabetics. NO two companies are the same!</span></p>
<h4><span style="font-weight: 400;">Diabetes information life insurance companies will consider:</span></h4>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">Your type of diabetes</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Age you were first diagnosed with Diabetes</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Most recent A1C reading</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Any use of Diabetes related technology</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Any diabetes-related complications</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">How often do you test your Blood Sugar</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Types of Diabetes medications being used</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">How often do you see your Doctor or endocrinologist</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Do your watch your Diet, and exercise regularly</span></li>
</ul>
<p><span style="font-weight: 400;">This list will give you an idea of the Diabetes information a life insurance company will be looking for, when applying for term life insurance coverage. Our agents will work with you to help you gather everything you would need before hand. If you have Type 2 Diabetes, here’s an article that </span><a href="https://www.diabetes365.org/tips-for-getting-life-insurance-with-type-2-diabetes/"><span style="font-weight: 400;">provides some tips in getting the best possible premiums.</span></a></p>
<p><img loading="lazy" decoding="async" class="wp-image-2934 alignright" src="https://www.diabetes365.org/wp-content/uploads/2017/04/Infographic-3.png" alt="" width="454" height="778" /></p>
<h3>Can I get a Term Life Insurance Policy with Diabetes without doing an Exam?</h3>
<p><span style="font-weight: 400;">Fortunately for the Diabetes community, more and more life insurance companies are beginning to offer this option. Type 1 and Type 2 Diabetics may have multiple options for </span><a href="https://www.diabetes365.org/non-medical-exam-life-insurance-for-diabetics/"><span style="font-weight: 400;">non medical exam life insurance policies</span></a><span style="font-weight: 400;">.</span></p>
<p><span style="font-weight: 400;">Some carriers will be able to make an underwriting decision in a matter of minutes, or days. The life insurance company will have you answer health questions, provide details to your Diabetes and other health history. They will also do a MIB ( Medical Information Bureau) report, and will run a prescription background check. That information will provide them with enough information to either approve, or deny you for Term Life Insurance.</span></p>
<p><span style="font-weight: 400;">Other non medical exam policies may require a review of medical records. IF that’s the case, an approval may take up to three or four weeks. Once the medical records are received, the Underwriter will review your Diabetes history and will be able to make an offer. Depending on your complete health history, this may or may not be the best way to move forward with a term life insurance policy.</span></p>
<p><span style="font-weight: 400;">To determine what your specific options for non medical exam life insurance for diabetics are, simply reach out to us. An agent would take down some basic health information, and could then provide all the various options to you.</span></p>
<h3>Does Having Diabetes make my Term Life Insurance Policy more Expensive?</h3>
<p><span style="font-weight: 400;">Possibly. There are so many factors that go into determining the rates for term life insurance, for diabetics. It’s impossible to accurately say YES or NO without knowing more about you and your health.</span></p>
<p><span style="font-weight: 400;">If you have Type 1 Diabetes, most likely your rates will be higher compared to a person with Type 2 Diabetes, or without Diabetes. Majority of life insurance companies still view the Type 1 Diabetes community as a higher risk. Thus, they will ‘table rate’ our policy, which means you’re premiums will be more expensive.</span></p>
<p><span style="font-weight: 400;">People with Type 2 Diabetes will usually find their term life insurance rates better priced, and often times will receive rates similar to those without Diabetes. Due to Type 2 Diabetes becoming more common, life insurance companies have gotten smarter, and are offering better rates. </span></p>
<p><span style="font-weight: 400;">To see what possible rates you may qualify for, reach out to us. We love to help people with Diabetes find the best possible life insurance policies</span></p>
<h3>What Term Durations of Life Insurance are Available?</h3>
<p><span style="font-weight: 400;">Since everyone has different financial objectives, there isn’t any ‘one size fits all’ policy that is perfect for everyone. Because of this, life insurance companies will provide different term lengths to accommodate.</span></p>
<p><span style="font-weight: 400;">Majority of term life insurance providers will offer durations of 10 years, 15 years, 20 years, 30, years, or even 35 year term periods. So if you are wanting to protect a mortgage with life insurance for 30 years, you could do so. Or possibly you have a need for a SBA Loan that requires a life insurance policy to be assigned for 10 years, you could most certainly do that.</span></p>
<p><span style="font-weight: 400;">Everyone’s personal situation is different. Term Life Insurance policies can be customized to your needs. IN certain situations, it may make sense to ‘ladder’ multiple term policies together. As you get older and the need for coverage decreases, one term policy would expire, but another one would already be in place, to STILL provide the protection you need.</span></p>
<h3>What ‘Riders’ does a Term Life Insurance Policy Come With?</h3>
<p><span style="font-weight: 400;">Great news! Even though you have Diabetes, your term life insurance policy can come with the same types of Riders, that non diabetics policies come with. </span><span style="font-weight: 400;">Here are some popular riders our Diabetic clients tend to take out on their policies.</span></p>
<h4>Popular Riders</h4>
<p style="padding-left: 30px;"><span style="font-weight: 400;"><strong>+ Living Benefit Riders &#8211; </strong></span><span style="font-weight: 400;">If diagnosed with a Terminal Illness, Chronic Illness, or Critical Illness, you could accelerate part of your death benefit while living.</span></p>
<p style="padding-left: 30px;"><strong>+ Waiver of Premium Rider &#8211; </strong><span style="font-weight: 400;">A waiver of premium rider pays all life insurance premiums due if the insured person becomes disabled.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;"><strong>+ Guaranteed Insurability Rider &#8211; </strong></span><span style="font-weight: 400;">This rider lets you purchase additional life insurance coverage at a later date without undergoing a medical exam or providing any evidence about your insurability.</span></p>
<p style="padding-left: 30px;"><span style="font-weight: 400;"><strong>+ Return of Premium Rider &#8211; </strong></span><span style="font-weight: 400;">If you live to the end of the term, in exchange for paying the premium, in most circumstances you get all your premiums back.</span></p>
<p><span style="font-weight: 400;">Our agents are happy to explain the Pros and Cons, of these riders. Some of the riders may cost extra, while some may free and built into the policy at no cost.</span></p>
<p><img loading="lazy" decoding="async" class="wp-image-2953 alignright" src="https://www.diabetes365.org/wp-content/uploads/2017/04/Infographic-1-1-798x1024.png" alt="" width="445" height="585" /></p>
<h3>What Term Life Insurance Companies are Best for Diabetics?</h3>
<p><span style="font-weight: 400;">As a person with Diabetes, you will have options in regards to the life insurance companies, who will offer diabetic term life insurance policies.</span></p>
<p><span style="font-weight: 400;">Your Diabetes and health history will determine what companies, and what rates will be available to you. We generally recommend for a person to allow us to run their health profile past various insurance carriers, and then let us present to you the various offers.</span></p>
<p><span style="font-weight: 400;">Company A may review your health profile, and make an offer that is 25% higher than Company B. This is why we recommend you ONLY work with life insurance agents, such as Diabetes 365, who specialize in working with the Diabetes community.</span></p>
<p><span style="font-weight: 400;">If wanting to undergo a ‘fully underwritten’ policy take a look at in our opinion the best Term Life Insurance Companies for Diabetics.</span></p>
<h3>What is the Application Process?</h3>
<p><span style="font-weight: 400;">Once you’ve decided on a non-mendical exam policy, or a policy that requires Blood work and a review of medical records, you simply contact an agency such as </span><a href="https://www.diabetes365.org/"><span style="font-weight: 400;">Diabetes 365</span></a><span style="font-weight: 400;">.</span></p>
<p><span style="font-weight: 400;">We would provide the application to you to complete, or you could complete it over the phone and thru email with one of our agents. The choice is simply yours.</span></p>
<p><span style="font-weight: 400;">While you application for term life insurance is pending, your agent would stay in contact with you. If any additional information is needed by the life insurance company, we would simply reach out to you.</span></p>
<p><span style="font-weight: 400;">Our agents would also help you prepare for your medical exam, if needed, and would work with your Doctors office on obtaining the necessary medical records. Once all information is received, and the life insurance company made their offers, our agents would present to you your various term life insurance for Diabetics options.</span></p>
<p><span style="font-weight: 400;">At that point you can choose the insurance company, term length, and amount of coverage. Your policy is then emailed or mailed to your address. The entire process is much simpler, then you probably realize.</span></p>
<h3>Who Should Consider a Term Life Insurance Policy?</h3>
<p><span style="font-weight: 400;">It is important to consider all of your life insurance options, as well as the pros and cons associated with the policy you plan to pursue. Searching for term life insurance for diabetics isn’t as easy as you think. Lots of online websites provide FAKE quotes, to trick you into applying for coverage through them. At the end of the process, your rates comes back much, much higher. This isn’t the way to go about treating the Diabetes community!!! </span><span style="font-weight: 400;">Term Life Insurance for Diabetics is a good option if any of the following apply to your personal situation:</span></p>
<ul>
<li style="font-weight: 400;"><span style="font-weight: 400;">You are young, and need the lowest priced life insurance option</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Only need life insurance for a specific term period</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">Need a policy for a shorter duration, to possibly cover a SBA Loan or a Divorce decree.</span></li>
<li style="font-weight: 400;"><span style="font-weight: 400;">You are unsure if you need a permanent policy at the moment. You can always convert to a permanent policy in the future</span></li>
</ul>
<p><span style="font-weight: 400;">Discuss your needs with an </span><a href="https://www.diabetes365.org/contact-us/"><span style="font-weight: 400;">independent life insurance agent</span></a><span style="font-weight: 400;"> to assess the extent of coverage you need. It’s our job to work with you, and to help you and your family make the best decision possible. Don’t put this important decision off any longer. Contact us and let us go to work for you!</span></p>
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