Can You Get Life Insurance if You’re Diabetic?

Posted by Jon Lilley on May 16, 2014 in Insurance |

Many are suffering with diabetes. Diabetes can be debilitating even if it’s managed well. It’s important to eat right, get plenty of exercise and take the medication that the doctor prescribes in order to be a part of a well managed health plan. In spite of being seriously ill, most diabetics manage to lead a full life by following their doctors advice.

Insurance companies understand that many do manage their diabetes well, for this reason, they don’t always worry about their clients dying young or becoming seriously ill. Many insurance companies do offer Life insurance to diabetics.

Anyone with this medical condition may find life insurance, the issue is, will the rates be decent and reasonable? Just as smokers and others with serious health conditions, diabetics can find life insurance, however, they’re going to have to pay a higher premium for this insurance.

If the diabetic is doing what they need to do for their health, they’re going to qualify for a more reasonable policy.

Here is what they need to be doing:

  • Lead a decent lifestyle avoiding alcohol, smoking or weight gain
  • Have no other serious health issues

For those who wish to find good rates for life insurance, they’ll  need to shop around and talk to their insurance agent about a good policy or go here for diabetic help. Insurance agents keep up on the latest trends and policies available and will be able to assist in finding a decent rate that is affordable for the coverage the person desires. In many cases, the insurance agent already has a company in mind for the person. It’s important to take care of your health and guard it well. Follow the doctors advice and keep the blood sugar under control at all times. Diabetes shouldn’t stop anyone from having a good life insurance policy, it may make it more challenging however. Call your insurance agent today and find out what they can offer you.

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