Life Insurance for Diabetics

Can Diabetics get affordable life insurance?

The short answer is yes, but it can require a little effort to find the best rate and you need to find a specialist.  Life insurance companies understand that many people with diabetes live active, health lives, and getting a life insurance policy as a diabetic may not be as difficult as you might imagine. There are basically two important things to keep in mind when you are looking for life insurance if you have diabetes:

There are hundreds of life insurance companies!

Each company is unique and has their own underwriting guidlines.  If you are determined enough you dramatically increase your odds of finding a life insurance company that will issue a policy.

The better controlled your diabetes is, the greater your chance of getting covered

Just because a life insurance company might issue a policy for one diabetic doesn't mean that they will for all diabetics.  If you have diabetes and you are applying for life insurance, expect that the life insurance company to request to see your medical records.  If your weight falls within accepted parameters, you also improve your chances.

Find the most affrodable life insurance plan for diabetes

If you find that one company is willing to offer you a life insurance policy, there's a good chance that others will as well.  Therefore shop around.  Get as many quotes as possible.  Premium determination for people with medical conditions such as diabetes is a bit esoteric so rates can vary a good deal more than they would for most other kinds of life insurance policies.

Speak to an agent who specializes in life insurance for diabetics

A specialist will be able to save you lots of time and hassle because they will know where to look to find the best policy and the best rate.  For example, there are reputable life insurance companies located in other countries even that might be willing to insure you if no American carrier will.  You will want to be able to work all the angles.

Life Insurance Quotes for diabetics

Ordinarily getting life insurance quotes on the internet is the way to go because you can quickly and easily get a fairly good idea of what you're your costs are going to be.  With diabetes it can be a little more difficult because there aren't specialized quoting engines just for diabetes.  It is still doesn't hurt to get a quote, but just be aware that the acutal premium you pay might be quite different than