Diabetes Recipe

Life insurance companies looking at your Diabetes Recipe?

Each insurance company when considering a diabetic will look at the make up or "recipe" of the individual.   Ten companies looking at one persons medical file will come up with 10 different rates for that person.  The company that is best for one diabetic may not be the company that is the best for most other diabetics. Knowing what each companies strengths and weaknesses are is crucial to finding the least expensive life insurance.

Make up or "recipe" factors:
Age
Diabetes type
Age of diagnosis
A1C
compliance with doctor
other conditions
     Retinopathy
     Neuropathy
     Heart disease
Height vs Weight

Each company has guidelines they will follow.  These guidelines change on a regular basis. It is very important to speak with an independent agent who specializes in diabetes.  Without asking all the questions above, a rate will be inaccurate.

The two biggest problems with most insurance quotes:
1-most agents are not independent.  They work for one or only a few companies.  They make more money by being loyal to their company but they are searching for the lowest price for their client.  They just present the lowest price they have. 
Note: there is no advantage to the purchaser to go with an agent that is captive with a company.  The rates for insurance companies are fixed and published.  The captive agent can not get a client a better rate or rate category form their company than an independent agent. 
2-bait and switch.  Agents will give a rate that a person will not qualify for medically.  The agent tries to lour a person with the low rate and hopes that when they find out the actual rate that they will accept it.  Quick quote services on the internet are a perfect example of this.  Consumer Reports Health advises those searching for insurance to "size up how well the agent knows the underwriting quirks of various insurers".  If an agent does not ask the questions above it is probably because they don't know how to shop and quote accurately.

Lifeboat Insurance Services is proud of the service we provide for our diabetic clients.  Not only do we have many companies to compare, but we communicate on a regular basis with the underwriters.  Reviewing the information in your medical records with a Lifeboat agent is the critical first step in searching for life insurance.  Our experience has helped many diabetics obtain the best price life insurance possible. 

Consumers have found that Lifeboat Insurance services is the one stop solution for diabetics searching for life insurance.  From understanding your personal needs to putting a policy in your hand,  Lifeboats service is unmatched.  Go to http://www.lifeboatinsurance.com/page/Depression.aspx or call 800-494-7780.

Lifeboat is a free "A" rated company search.  We never charge a fee to our clients.
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Gestational Diabetes and Life Insurance

Gestational Diabetes occurs only during pregnancy.  The effects during pregnancy are concerning to the baby, not the mother.  Even though the symptoms usually disappear after the delivery, the risk of diabetes later is life is greater.  

Searching for information on Gestational Diabetes, I found very few articles that highlight the increased risk for Diabetes in the future.  But, most some articles do address this and most Insurance Companies will count gestational diabetes against you.
There are some Insurance Companies that will not count Gestational diabetes against you.  There are a few factors that would be considered.
First would be how many pregnancies was there Gestational Diabetes?  Multiple cases could be a challenge.
Second is how long ago was the pregnancy?  If it was a short period of time, they may want to wait a while.
Third naturally is going to be, what is the current blood sugar level?  Normal levels would be expected.
If you have had Gestational Diabetes and you are looking for Life Insurance, make sure you go with an experience independent agent.  Be sure to let the agent know of your Gestational Diabetic history.  If your agent did not ask follow up questions to your Gestational Diabetes, they don't know the companies guidelines or they are not shopping out multiple companies for you.
For more information visit http://www.lifeboatinsurance.com/ or call 800-494-7780.
Lifeboat is a FREE "A" Rated Insurance Company search service.  Lifeboat Agents are experienced and professional.
We do not pressure or use tacky sales tactics.  We provide a great service for those who desire help.

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Diabetes Life Insurance

Have DIABETES and are looking for LIFE INSURANCE?
http://www.lifeboatinsurance.com/page/Diabetes.aspx
Ten companies looking at the same client file will come up with 10 different rates for the client to pay.
Insurance companies are very different on how they rate for diabetes.  Some companies are very tough on diabetics, but several companies will compete for your business.  Underwriters will be focusing on how long a person has had diabetes along with  stability and control.    Our agents are experts at finding diabetics the best price in life insurance.  We have the experience and communicate directly with multple insurance companies underwriters.  It is very important to share your medical history with an agent to find your best life insurance options.

Types of Diabetes

"There are two main types of diabetes: type 1 and type 2.

"Type 1 diabetes usually starts in adolescence.

"Type 2 comes on gradually, usually when you're 40 or over.

"There's also a condition called impaired glucose tolerance. This isn't diabetes, but it does increase your chances of getting diabetes.

"Some women get a kind of diabetes while they're pregnant. This is called gestational diabetes" (www.ConsumerReportsHealth.com).


Type 1 Diabetes

"Type 1 diabetes usually starts when you're in your teens or when puberty begins. Between 5 percent and 10 percent of people with diabetes have type 1.

"If you have type 1 diabetes, your body has stopped making insulin.  This kind of diabetes used to be called insulin-dependent diabetes mellitus (or IDDM for short) because it can be controlled by taking insulin. You might also hear people call it juvenile-onset diabetes. It was called this because it tends to start in childhood" (www.ConsumerReportsHealth.com).


Type 2 diabetes

"Most people who have diabetes get type 2 diabetes.  More than 90 percent of people with diabetes have this type.

"Type 2 diabetes used to be called non-insulin-dependent diabetes mellitus (or NIDDM for short) because people who have type 2 diabetes often don't need to take insulin. It's sometimes called adult-onset diabetes because it tends to start in people over 40.

 The American Association of Clinical Endocrinologists (AACE) recommends that "people with type 2 diabetes reach an A1C goal of 6.5% or less."

For more information on Diabetes and Life Insurance see the below articles:
http://www.lifeboatinsurance.com/page/Diabetes.aspx
http://mustafizrana.insanejournal.com/