Life Insurance for Diabetes Patients: A Few Facts and Considerations
Individuals with serious medical conditions, such as diabetes (both type 1 and type 2), regularly find themselves being turned down for life insurance because of their physical health condition. There are two types of diabetes caused by individuals. Childhood diabetes and Type 2 diabetes are otherwise referred to as adult onset diabetes.
Not all diabetes patients will be covered or pay high life insurance premiums. As with some other medical problems, getting life insurance in case you become diabetic involves a variety of factors depending on how real your condition is and how well you control it.
Here are a few things to consider when applying for life insurance with diabetes as a diabetes patient:
• Are you dependent on insulin?
Many people can control their blood sugar levels through a careful mix of meal planning and exercise. Non-insulin dependent diabetes patients may pay less premiums than insulin dependent individuals.
• Is your blood sugar controlled?
If you can prove that your blood sugar is under control, you will easily be covered by insurance. As an important aspect of your life insurance medical test, a lab test will be done on your blood test, which usually includes an estimate of glucose. These results, along with your medical records, will be taken into account to decide on the level of control of your diabetes. It is one of the most important things to remember.
Since when do you have diabetes?
Believe it or not, someone who has had diabetes for a long time may be viewed as a risk factor to a lesser degree than someone who has been analyzed recently. If you’ve been living with diabetes for a long time, it can show that you understand how to manage and control your disease.
• Do you smoke ?
Being a smoker is not beneficial for your health and often means you will pay significantly more for life insurance. In any case, the value you will pay for life insurance is likely to be significantly higher if you are a smoker and have diabetes, mainly because you are at greater risk for a number of real medical problems.
Various types of life insurance are available, as everyone has unique needs. If you have diabetes, having a few life insurance options is something to be thankful for!
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