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/
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