Life Insurance With Type 2 Diabetes

Written by Life-Wealth-Win

If you are looking for life insurance with type 2 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 2 diabetics.

If you have had life insurance declined due to diabetes or life insurance postponed due to 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 2 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.

What is type 2 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.

About 27 million people living in the United States have type 2 diabetes. Another 86 million people are pre-diabetic. This means their blood glucose level is not normal, but is not high enough yet to be diagnosed with diabetes.

An organ in your body, called the pancreas, makes a hormone, called insulin. Insulin helps your cells turn glucose from the food you eat into energy. People with type 2 diabetes make insulin in their body, but the cells within their body do not use it as well as they should. In medical terms, this is called “insulin resistance.”

If you become insulin resistant, the pancreas will try to make more insulin to get more glucose into your cells. Eventually, the pancreas cannot keep up and the sugar levels in your blood build up.

If you have type 1 diabetes, your body can no longer produce insulin. You will have to inject insulin into 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 still help you if you need type 1 diabetes.

Does life insurance cover diabetes?

Yes, it does! If you are looking for life insurance for someone with diabetes, understand that getting life insurance with diabetes is very common these days. Getting life insurance for a diabetic adult is an easy process. If you are looking for life insurance for a diabetic child, we can help you understand what options are available.

Do you need insurance coverage quickly for your type 2 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 from many 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 for many people as they get you the life insurance you need now, without waiting months for your policy.

What makes me more susceptible to having diabetes?

Genetics is the largest factor. Diabetes is hereditary, so if somebody in your family tree has had diabetes, you are more likely to get it.

Being overweight 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 2 diabetes can affect children and teens if they are overweight or obese.

Can I get life insurance if I have type 2 diabetes?

Yes, you can. It is important, if you have type 2 diabetes, to get life insurance quickly. You do not want to wait until you develop type 1 diabetes, as this is a much more serious medical condition. 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, if you have a history of diabetes in your family, are overweight or obese, or have other contributing medical factors, get your type two life insurance coverage now!

What insurability factors do the insurance companies look for?

  • Diabetes type
  • Height and weight
  • Uncontrolled high blood pressure
  • Treatment methods
  • Diabetes diagnosis date
  • A1c readings or average glucose
  • Other medical conditions
  • Is your diabetes under control?

You can find out more about the qualification factors by reading our Life Insurance For Diabetics article.

How would I apply for coverage if I have type II diabetes?

We recommend you call us or fill out our life insurance quote form on our website. We will then contact you to get additional health and medical information. We can then approach life insurance companies on your behalf to get you the best rates based on your age and health information.

When should I get life insurance?

We recommend you get your life insurance quote for diabetes immediately; the only thing that will change between today and tomorrow is your health!

Remember, 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 have a family history of diabetes?

This is where a no exam life insurance policy shines!

Most people are not aware 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 an 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 a no exam life insurance policy, you only have to answer some questions on the application about your past and current health issues and prescriptions. You may be diabetic, and not even now 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 get a diabetes (or pre-diabetes) diagnosis, it will be more difficult and expensive to get life insurance.

We work with diabetics weekly, so let us help you get the affordable life insurance protection you deserve.

About Life-Wealth-Win
About Life-Wealth-Win

We work with individuals across the nation to secure the best life insurance rates.

This entry was posted in Life Insurance By Health Condition. Bookmark the permalink.

Leave A Reply