Life insurance for diabetics

Life Insurance Underwriting Strategies for Diabetes Mellitus

The term “diabetes” typically refers to diabetes mellitus, a group of metabolic disorders that cause increased blood sugar levels. High blood sugar levels cause damage to blood vessels, which in turn can lead to heart disease, TIAs, strokes, kidney disease, retinal damage, and foot ulcers. Classification of Diabetes Mellitus: The two most common forms of diabetes are classified as Type 1 or Type 2. Type 1 diabetes refers to diabetes caused by the destruction of the insulin producing cells of the pancreas, often early in a person’s life. Type 2 diabetes, which is far more common, develops as cells become resistant to insulin. Lifestyle factors have a significant impact on the development of...

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Life Insurance For Diabetics - The Insurance Guy The Insurance Guy

Life Insurance for Diabetics Having diabetes introduces a number of challenges. You may have to monitor your blood sugar during the day, take medication, eat a diabetes-friendly diet, or have frequent appointments with your doctor. Those alone, are a difficult set of circumstances to work with. Unfortunately, having diabetes also introduces a problem you don’t hear about as often. Diabetes can make it significantly more challenging for you to find life insurance coverage. It’s common for companies to choose not to insure you, or to charge you higher premiums due to your health. Fortunately, you don’t have to stay distressed. It’s not necessary for you to live the remainder of your...

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7 Reasons Diabetics Should Buy No Exam Life Insurance Instant Quotes

Diabetes is incredibly common in the United States. Consider the statistics: 30.3 million Americans, or 9.4% of the population, has diabetes. Approximately 1.25 million American children and adults have type 1 diabetes. – American Diabetes Association While medical advances on treatment and prevention continue, those of us with the condition can attest that it’s difficult to live with. American actor, Tom Hanks, jokingly described his experience with being diagnosed with type 2 diabetes: I went to the doctor and he said, ‘you know those high blood pressure levels you’ve been dealing with since you were 36? Well you’ve graduated, you’ve got Type 2 Diabetes...

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Whole Life Insurance for Diabetics Tips On How To Get It

Did you know that approximately 30 million Americans have diabetes? Did you know that there are more than eight million people who are undiagnosed? If you are one of those people with diabetes, you’re well aware that the disease has changed your life in many ways. This requires a special diet, more exercise, and in many cases, regular insulin injections. What About Life Insurance? People with diabetes – as well as other serious medical conditions – often feel limited in their ability to purchase life insurance. Fortunately, despite the fact that this may cause some challenges when shopping for a policy, there are steps you can take to find and purchase the coverage that is right for you,...

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Life Insurance for Diabetics -

Life Insurance For Diabetics Purchasing a life insurance policy isn’t that difficult when you’re in good health but it’s a whole different ballgame when you have a preexisting condition. If you’re one of the estimated 29 million Americans affected by diabetes, getting the coverage you need may be more of a challenge. To make the process smoother, we’ve answered some of the most common questions you might have about life insurance for diabetics. How does the insurance company assess risk for someone with diabetes? The life insurance underwriting process is all about pinpointing just how much of a risk you are. When you have diabetes, the insurance company is going to take a closer look at...

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Lower Rates For Life Insurance With Diabetes? Yes!, Expert Tips Inside

As many as half of all Americans are diabetic, pre-diabetic, or insulin resistant. And, these numbers are increasing. But, for life insurance companies, this can present a lot of concerns. When a person seeks life insurance with diabetes or pre-diabetes, there are long term risks the insurance carrier has to account for. How much so? Let’s discuss diabetes a little further first, so we can discuss it in greater detail. What Is Diabetes And Why Does It Impact Your Policy? Diabetes is a health concern affecting over 26 million Americans today. Diabetes is essentially the body not correctly making energy out of sugar, or glucose. Glucose is a result of the body’s breakdown of...

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Life Insurance with Diabetes, Insurance Tips and Quotes

Life Insurance with Diabetes Welcome to your guide on non-medical life insurance with diabetes. This page will give you a good understanding of this topic, will inform you of savings opportunities, and also provide a number of other useful tips based on our publications. We will also help you to ind best life insurance quotes across more than 20 top Canadian insurers. As the name suggests, non-medical life insurance assumes no medical tests when issuing a policy, as opposed to a traditional policy where medical tests (blood test, blood pressure, etc.) are required. Some types of non-medical life insurance do not require the completion of a health questionnaire either, thus, non-medical life...

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Affordable Life Insurance for People with Diabetes

Affordable Life Insurance for People with Diabetes An estimated 2.3 million Canadians have diabetes and many more do not know they have it according to the latest figures from Canadian Diabetes Society. Many more have “pre-diabetes,” which increases the risk of developing Type 2 diabetes. The American Diabetes Association estimates that 65 percent of people with diabetes die of a heart attack or stroke. The key to buying affordable life insurance if you have diabetes is this: “Control.” If you are controlling your diabetes by visiting your doctor regularly, taking your medications and responding well to your treatments, you may still be able to get an affordable life...

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Finding Life Insurance For Diabetics In Australia Made Easy

Finding Life Insurance For Diabetics In Australia Made Easy Develops when the cells of your pancreas stop producing insulin. Thus glucose cannot enter the cells of your muscles for energy and glucose levels rise to dangerous levels. Typically, onset is abrupt, and symptoms are apparent. Thirst: An unquenchable thirst. Toilet: Excessive urination. Tired: Unexplained weakness and fatigue. Thinner: Unexplained weight loss. Other symptoms include muscle cramps, blurred vision, skin infections and some tingling or numbness in the feet. Type 1 diabetes can occur at any age, most often in children and people under 30. This condition is not caused by lifestyle factors. A progressive condition where...

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Life Insurance for Diabetics: 5 Tips to Get the Best Prices

Life Insurance for Diabetics: 5 Tips to Get the Best Prices You think, “Huh, it’s been a while since I’ve gotten a physical exam, maybe it’s time I schedule one. I’ve been feeling pretty off lately.” After your appointment, you get your results back from your doctor, and she tells you that you have type II diabetes. Your world is turned upside down. You may ask yourself, “Where do I go from here?” Diabetes is very prevalent, and in the U.S. alone, about 27 million people have been diagnosed with Type I or Type II diabetes. In addition, roughly 86 million Americans have some form of prediabetes. Since the disease is so prevalent, more and more life insurance companies are becoming more...

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