Complete the form on the right and receive a FREE, personalized life insurance diabetes analysis.
We specialize in helping diabetics obtain the most ideal rates on the market (term or whole life).
- We’ll show you which life insurance companies work with diabetics best.
- No medical exam options are available.($50,000 and under)
- Standard rates available for well-controlled diabetes
Our relationship with over 50 carriers will allow us to find the life insurance company that best suits your situation.
You have options! Don’t wait any longer to obtain affordable life insurance protection for you and your loved ones.
Here’s what we’ll ask you to obtain the most affordable rates with diabetes:
1) Type 1 or Type 2 diabetes?
2) Age diagnosed?
3) Current a1c levels?
4) Names of ALL medications being taken?
5) How often do you see your physician?
Once we know this information, along with any other health issues you may have, we can reference over 60 life insurance carriers to find the company that will offer the lowest rate.
How life insurance companies view diabetes:
Type II Diabetes
The best life insurance rates are given to diabetics with a1c levels of under 7.0. If you were diagnosed after age 50, that’s even better. Standard rates are available for well controlled diabetes, dependent upon the right company and other factors.
Moderately controlled diabetics with a1c levels of 7.0-7.9 can expect a table rating, otherwise known as substandard rates. Typically a table 2 – table 6 rating. Again, it’s very important to use the correct carrier.
Evidence of excellent blood pressure, good cholesterol, frequent medical follow up, regular exercise, normal cardiac evaluations and negative stress EKG’s can improve a life insurance offer if you have moderate control of your diabetes.
For those with poor control of their diabetes, we have some “no medical exam” options up to $50,000 of coverage we can look into. It will be more expensive than traditional coverage, but it’s still a great option.
Type I Diabetes
Affordable rates are available only for those who have their a1c’s under 7.0.
Traditional coverage isn’t available for those diagnosed under age 30 or if you were diagnosed within the last year.
We do have options for up to $50,000 of coverage with no medical exam involved.
Type I diabetics WILL receive a substandard rating. However, we know the companies that look most favorably at Type I diabetes risks and we’ll find the best rate on the market using this information.
For more detailed information on securing the best rates for type 1 diabetics, click here.
Regardless of the control of your diabetes, whether you’re Type I or Type II, we’ll find the best options available and present them to you. There’s never any obligation and NEVER any sales pressure.
Fill out the form on the right OR call us during normal business hours and we’d love to give you a FREE analysis.