Speak with an experienced advisor! If you are looking for life insurance with type 1 diabetes, you have come to the right place!
At Life-Wealth-Win, we work with the best life insurance companies in the United States. We also have access to the best insurance companies that specialize in offering life insurance to type 1 diabetics.
If you have been denied life insurance for diabetes because of your type 1 diabetes, then it probably means you had the wrong insurance agent working for you! Many insurance agents only work with healthy people and therefore often recommend the incorrect life insurance products to people with type 1 diabetes.
We will get you the best rates available in the marketplace, with the best insurance companies, and with the most knowledgeable insurance underwriters in the industry.
Does life insurance cover diabetes?
Yes, you can get life insurance if you have diabetes. Almost all life insurance companies have life insurance products that will cover you and your type 1 diabetes.
When should I get life insurance if I am a type 2 diabetic?
We recommend you get life insurance immediately. The only thing that will change between today and tomorrow is your health!
You will be older tomorrow, something may change in your health, and your life insurance coverage will always be more expensive one year from now than it is right now.
What if I don’t have type 2 diabetes, but I have a family history of diabetes?
This is where a no exam life insurance policy shines!
Most people are unaware they have diabetes in the early stages of this disease. This is one reason insurance companies want to test your blood when they offer you a fully underwritten life insurance policy. They want to find out if you have diabetes or any other health conditions that would make you a higher risk for life insurance.
]With the no exam life insurance policy, you only have to answer questions on the application about your current and past health and prescriptions. You may be diabetic and not even know it – but it doesn’t matter with a no exam life insurance policy!
The fact you do not know you have diabetes yet will allow you to get a no exam life insurance policy! Once you go to the doctor and you receive a diabetes (or pre-diabetes) diagnosis, it will be more difficult (and more expensive) to get life insurance in the future.
What is type 1 diabetes?
Diabetes is a permanent and lifelong disease that influences the way your body reacts to glucose (sugar) in your blood. Most people with diabetes have type 2 diabetes. Fewer people have type 1 diabetes.
Type 1 diabetes is a condition when your immune system destroys the cells in your pancreas called beta cells. These cells make insulin in your body.
Insulin is a hormone in your body that helps to move sugar, or glucose, directly into your body’s tissues. The cells in your body use glucose as fuel or energy.
When diabetes damages your beta cells, this process is disrupted. The glucose no longer moves into your cells, because there is no insulin there to make this happen.
Instead, the glucose levels in your blood increase, resulting in high blood sugar levels. This can lead to:
- Dehydration
- Weight loss
- Diabetic ketoacidosis (DKA)
- Damage your body
If you have type 1 diabetes, your body can no longer produce insulin. You will have to inject insulin in your body to manage your blood sugar levels. Type 1 diabetes is a much more serious and severe condition than type 2 diabetes.
If you have type 1 diabetes, it will make getting affordable life insurance more difficult. We can help you if you need type 1 diabetes life insurance, but if you have type 2 diabetes, now is the time to get your life insurance!
How many diabetics are there in the United States?
About 3 million people living in the United States have type 1 diabetes. There are about 27 million people with a type 2 diabetes diagnosis. Another 86 million people are pre-diabetic (meaning their blood glucose level is not normal, but is not high enough yet to be diagnosed with diabetes).
Only about 5% of people with diabetes have type 1 diabetes.
What makes me more susceptible to having diabetes?
Genetics is the number one reason. Diabetes is hereditary, so if somebody in your family tree has had diabetes, you are more likely to get it.
Extra weight is another contributing factor. If you are overweight or obese, this can cause insulin resistance, especially if you carry your extra weight in your midsection.
Type 1 diabetes can affect adults, children, and teens if they are overweight or obese.
Can I get life insurance if I have type 1 diabetes?
Yes, you can. It is important that, if you have type 1 diabetes, to invest in life insurance quickly. Having type 1 diabetes will make it much more difficult to get affordable life insurance coverage.
With about 86 million people who are pre-diabetic and 27 million who are type 2 diabetic, if you have a history of diabetes in your family, are overweight or obese, or have other contributing medical factors, invest in life insurance coverage now!
What insurability factors do the insurance companies look for with my type 1 diabetes?
- Diabetes Type
- Height and Weight
- Uncontrolled High Blood Pressure
- Treatment Methods
- Diabetes Diagnosis Date
- A1c Readings or Average Glucose Reading
- Hospitalizations because of diabetesOther medical conditions such as neuropathy, retinopathy, or kidney disease.
- Is your diabetes under control?
You can find out more about the qualification factors by reading our Life Insurance For Diabetics article.
Do you need insurance coverage quickly for your type 1 diabetes?
We work with the best no exam life insurance companies in the United States. This means, often, we can get you life insurance in as little as 24 hours with some insurance companies. Again, this insurance is available to most diabetics with no exam, no needles, and no urine test.
The no exam policies work great, as they get you the life insurance you need now and allow you to continue with your busy life.
Take a look at our type II diabetes article and our life insurance for diabetics article for more information.
How would I apply for life insurance if I have type I diabetes?
We recommend you call us at Life-Wealth-Win or fill out our life insurance quote form on our website. We will then contact you to get additional health and medical information, so we can approach life insurance companies on your behalf to get you the best rates, based on your age and health information.
We work with diabetics weekly, so let us help you find the affordable life insurance protection you deserve!
Life-Wealth-Win Life Insurance and Wealth Services would love to help you get your loved ones, family, and business protected! Call us or get your free life insurance estimate by clicking the link below.
