Global Courant
Individuals with serious medical problems, for example diabetes (both type 1 and type 2), are regularly rejected for life insurance because of their physical condition. There are two types of diabetes that individuals create. There is childhood diabetes and type 2 diabetes, also called adult-onset diabetes.
Not every diabetes patient will not get coverage or pay high life insurance premiums. As with any other medical problem, getting life insurance if you are a diabetic involves several factors that depend on how real your condition is and how well you manage it.
Some elements to consider when applying for life insurance as a diabetic:
• Are you dependent on insulin?
Many people can control their blood glucose levels through a combination of mindful meal planning and exercise. Diabetics who are not dependent on insulin may pay less in premiums than those who are.
• Is your blood sugar under control?
You can easily get insurance coverage if you can prove that your blood sugar is under control. As an important aspect of your life insurance medical test, lab tests will be performed on your blood test which usually includes a glucose estimate. These outcomes are considered along with your medical records to determine the level of control of your diabetes. It is one of the important things to remember.
• How long have you had diabetes?
Believe it or not, someone who has had diabetes for quite some time may be considered a lesser risk factor compared to someone who has recently been analyzed. If you have been living with diabetes for quite some time, it can show that you know how to oversee and manage your disease.
• Do you smoke?
Smoking is not good for your health and usually means you have to pay significantly more for life insurance. Either way, the value you pay for life insurance is likely to be significantly higher if you smoke and are diabetic, mainly because you’re at greater risk for a host of real medical problems.
There are different types of life insurance available because everyone has different needs. If you have diabetes, having a number of life insurance options is something to be thankful for!
Life insurance for diabetics: some facts and considerations
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