They say knowledge is power. And if you are looking for optimal burial insurance, the more you know the better your results. So, first things first:
Does Type 2 Diabetes Affect Life Insurance
Life insurance for people with diabetes TODAY!!!
#1 Underwriting And Same Day Coverage For Diabetics
There are insurance underwriters capable Of Providing Same-day Coverage To Those With Chronic Conditions Like Diabetes
So what about diabetes life insurance underwriting? Although there are 30 million people in the United States who live with diabetes of one type or another. Diabetes is a qualified health impairment in the eyes of the carrier. Diabetes is also a major health issue in all corners of the world. It is no longer as dangerous as it once was.
Type 2 diabetes is often the type to appear later in life. While most are born with type 1. Around 95% of people with diabetes are of the type 2 variety.
Also, your doctor might say you are in a pre-diabetes condition. Meaning you have all of the risk factors for developing diabetes.
Does Diabetes Affect Insurance
For instance, your age (usually it is people over 45). Your weight, family members with diabetes, your level of exercise. Even your race may add up to a pre-diabetes diagnosis.
Best Life Insurance For Diabetics
Life Insurance With Diabetes
Medical Underwriting Type 2 Diabetes
All types, however, mean you must watch what you eat, test your blood sugar levels once or more per day. Use medications if necessary (such as insulin pills or injections, among others.) Make sure you get adequate exercise to protect your circulatory system and more.
The good news is that physicians catch it much earlier than in the past. Physicians can help patients with everything from medication regimens to improved diets.
#2 What Is The Best Burial Insurance Company
All Burial Insurance Companies Have An Underwriting Niche
In addition to better medical care for those with type 1 or type 2 diabetes, as well as those diagnosed as pre-diabetic, there are better insurance options.
In fact, the controllability of diabetes allows it to be a non-disqualifying issue for most health insurance plans.
If you are seeking burial insurance or final expense life insurance, you won’t face the same struggles that others faced in the past.
#3 Does Diabetes Affect Life Insurance
These Underwriting Niches Mean Even Those With A Bad History Of Diabetic Issues Can Find Coverage
Can diabetics get life insurance? Years ago, it was not at all unusual for someone with any sort of diabetes diagnosis to find it extremely costly to obtain burial insurance coverage.
If they found a provider, the costs were often quite prohibitive. Even more so if your medical history includes the following:
Diabetic Coma – A potentially life-threatening incident is a diabetic coma. It can occur when someone with diabetes experiences extremely high or dangerously low blood glucose levels.
It is exactly as it sounds; a state of unconsciousness that is caused by the level of blood glucose, and which the individual will not awake without immediate medical intervention.
It is not unheard of for someone with just one diabetic coma in their past to have suffered additional medical problems.
Such as brain damage. If you or a family member seeking final burial insurance has had a coma due to hypoglycemia, diabetic ketoacidosis, or untreated low blood sugar.
Be aware that some burial or final expense insurance companies may decline to offer coverage.
Diabetic Shock – Also called severe hypoglycemia. This is when the individual with diabetes suffers extremely low blood sugar and may faint, become lightheaded.
In many cases experience an extreme level of fatigue.
Though not as serious as a diabetic coma. This is an issue that may not resolve itself and requires medical intervention.
Have you had at least one instance of diabetic shock? It should not affect your ability to get coverage. But it may make a policy more expensive.
Amputation Due to Diabetes – A person with any sort of diabetes is likely to suffer circulatory issues and nerve damage. Often, this reduced blood flow can make it difficult for wounds to heal on the feet and legs and may lead to the development of ulcers that do not heal.
If the conditions become more complicated, the amputation of a limb may be necessary.
Life Insurance For Someone With Diabetes
If you are seeking final burial insurance has undergone amputation due to diabetes, insurance providers may decline the application. They may even ask for a substantially higher rate.
How will the potential insurance provider be able to offer coverage with a potentially dangerous health issue?
The answer is simple. You explore options with an array of providers willing to extend coverage to those with common health impairments.
#4 How Long Does It Take To Get Approved For Life Insurance For Diabetics
Be Honest with Screening Questions and Get Same Day Quotes Or Approval
There are ways that burial insurance providers find the right plans for each individual. Many begin with some questions about health issues.
Try to remember that these companies look at each applicant as a unique individual. Sharing the details of your diabetic history is the best way to get the most beneficial pricing.
You can work with a firm that does most of the legwork and heavy lifting for you.
They may not even have policies with waiting periods for those with a pre-existing condition. Such as diabetes or a diabetes-related event.
#5 Burial Insurance Same Day Approval For Diabetics
InsuranceForBurial.com Is A Trusted Source For Instant Quotes For Anyone With Qualified Health Impairments
Finally, are you eager to get the ball rolling? Let us compare life insurance carriers for you! Get fast, affordable coverage, you’ll want to quickly find one of those streamlined resources.
How Much Is Life Insurance For A Diabetic
Naturally, you’ll need one that can help you get more than a single quote for coverage with qualified health impairment. InsuranceForBurial.com is a rare resource.
It offers low cost, same day approval options for people with such qualified health impairments as diabetes. This includes heart conditions and pulmonary disorders, cancer, and more.
Visit the site and request instant quotes from premiere carriers eager to issue same day life insurance. In fact, for consumers with pre-existing conditions or chronic illnesses. This is including type 1, type 2 diabetes, and diabetic events in their medical histories.
For more information on Diabetes, CLICK HERE.