Diabetic Life insurance and How to Get the Best Rate

Health Insurance - Diabetic Life insurance and How to Get the Best Rate

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Finding the best life insurance rates for habitancy with diabetes involves more knowledge, experience, and resources than most habitancy realize. Not only do agents have to understand the products ready and have passage to them, they must also have a good grasp of medical conditions and be able to clearly relay that to life insurance underwriters.

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What do life insurance companies look at with regard to diabetic life insurance?

Age of diagnosis. Rates tend to be lower the older you are when diagnosed (if diabetes is well controlled and broad condition is good). However, there are policies ready for type 1 diabetics who were diagnosed as small children.

How long the applicant has been diabetic. It's best to apply for diabetic life insurance after you've been on rehabilitation for a few months, although that's not indispensable with some companies. The rates might be higher if you've been diabetic for many years.

Whether you are type 1, 2, or 1.5. Type 1 diabetics will pay more than type 2, all else being equal. But a type 2 diabetic with poor operate can end up paying more than a type 1 diabetic with good control. Some companies go by either you use insulin; some identify that even type 2 diabetics can use some insulin and rate accordingly.

Diabetic control. Persons who have moderate neuropathy, constant protein in urine, episodes of diabetic coma, or a blood glucose reading that consistently runs over 10 can still get life insurance, but it will cost more than those who have a low blood glucose history and no side effects. In fact, well controlled diabetics can get practically any type of life insurance that those with good condition can get.

Medications. Having a long list of medications does not necessarily mean a higher rate for those with diabetes, as it does with some condition conditions. Some of the best diabetes doctors will treat their patients with many diabetic drugs that work well together, and prescription medications that are efficient in preventing obvious side effects. On the other hand, some medications will indicate that your diabetes is causing problems with other body functions, and that can sway one's rate.

To find your best rate, enlist the help of specialists who understand the medical aspects of diabetes, as well as understand and have passage to the products that will cover you. They can associate you with the firm that will be most likely to give you the best rate after reviewing your single diabetes condition details.

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