Health conditions such as Diabetes puts you into a category called High Risk when searching for Life Insurance. If you’ve been turned down or if you’ve just be diagnosed, don’t waste time searching for High Risk Life Insurance on your own. Contact a High Risk Life Insurance Expert today in order to find the best life insurance for diabetics.
Anxious and Unsure about Family’s Welfare
Jim had a problem. He was recently diagnosed with Diabetes. He was scared and didn’t know what his family would do if anything happened to him. He was the sole breadwinner of the family.
One day Jim ran into an old college friend, Gary, at the gym. Gary could sense something was bothering Jim, so he asked, “What’s up, Jim? You don’t seem yourself.”
Jim replied, “I’m stressed out. I was just diagnosed with Diabetes. What will my family do if something happens to me?”
Gary responded, “I know how you feel. That was me one year ago. I was diagnosed with Diabetes too.”
Jim asked, “What did you do?”
Gary said, “I got on the phone with a High Risk Life Insurance Expert who guided me through the process of finding life insurance I could afford. I didn’t even have to take a physical exam. All I had to do was answer a few questions.”
Affordable Life Insurance Rates Are Possible for Diabetes Patients
Diabetes, like cancer, is more common than it used to be. Although this is a sad state of health for the country, the one positive thing is that because it’s more common, it’s easier to get insured now. Many insurance companies offer reasonable rates and coverage that is relatively simple to acquire. Of course, most, if not all companies will want you to take a medical exam in order to properly assess your health and the degree to which diabetes is affecting you.
If you have Type 2 Diabetes, there are insurance companies that will offer life insurance coverage to you without an exam, however, these companies are always more expensive than a life insurance company that requires an exam. There premiums will be much more costly because they can only assess your risk factors with a questionnaire.
Checking your blood sugar throughout the day is a must when you have diabetes. It makes a big difference to your health by helping you make decisions about what to eat, or if you need to adjust your medication, and to avoid diabetes complications such as:
- Heart disease
- High blood pressure
- High cholesterol
- Kidney disease
- Diabetes-related skin problems or amputations
Did you know that the insurance companies want to know how you are managing your blood sugar if you’re a diabetic?
That’s right. Another great reason to check your blood sugar level regularly is to give you better chance of finding High Risk Life Insurance coverage. When you work with High Risk Life Insurance Expert, you increase your chance of success. Together you and your High Risk Life Insurance Expert will build your case to prove that you monitor your blood sugar well and that your Diabetes is not affecting you in a major way. That means your Insurance Expert has the best possibility of finding insurance carriers who are willing to cover you.
If you have Type 1 Diabetes, there will be a medical exam as well as a questionnaire to determine your risk factors. Another advantage of working with our High Risk Life Insurance Expert, is that they can help you with answering the questions in a truthful way, without causing the underwriter to conclude that you are a high risk, resulting in higher rates. It is possible that if you are perceived to be healthy by the underwriters, you may even be offered a rate similar to that of a non-Diabetic person.
That’s why it’s so important to be honest and accurate when you take your health assessment survey. It cannot be stressed enough the need for clarity and accuracy with our insurance experts. The better the information you provide us, the better the opportunities are for our Insurance Experts to acquire affordable rates for you to enjoy.
Other Resources for Diabetics
Contact Your High Risk Life Insurance Expert Today
What could be better than knowing your family will be taken care of if something ever happens to you? Peace of mind is what you get when you work with your High Risk Life Insurance Expert.
Our trained High Risk Insurance Experts lead you through the process in finding the best life insurance for diabetics in the industry. We understand your health risk.
High Risk Insurance Experts, like Krystn Meier, know how to navigate the system, to locate the ideal policy and insurance carrier to keep you and your family covered.
Call or click to get started with your High Risk Insurance Expert today!