| Life Insurance Companies differ in their
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| | showing the blood sugar levels over about
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| "underwriting philosophy" when it comes
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| | a 3 month period of time as opposed to a
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| to diabetes. Offering life insurance for
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| | quick "snapshot" blood level test).If the
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| diabetics can be risky if the
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| | client's A1C level is below 8, then fully
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| underwriters are not fully trained.
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| | underwritten life insurance may be
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| Underwriters at the insurance companies
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| | available subject to the client's full
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| that are fluent in underwriting diabetes
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| | medical file. If the client's A1C level
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| have the ability to look at all of these
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| | is above 8, then guaranteed issue life
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| factors and determine if the company will
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| | insurance is a more realistic goal.One of
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| accept them as a risk. Moderately
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| | the things that applicants fear in the
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| controlled diabetes cases would usually
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| | case of insulin dependent type 1
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| merit a "rating" or an increase in the
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| | diabetics is whether or not their insulin
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| premium, but not necesarily a declination
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| | pump will prevent them from getting a
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| for coverage. If the client with diabetes
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| | life insurance policy. An insulin pump is
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| that is looking for life insurance is not
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| | actually a positive factor where life
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| controlled, then there are options - it
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| | insurance underwriting is concerned
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| will just cost them more for
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| | because the client's insulin level is
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| coverage!Diabetic Life Insurance can be
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| | kept at a constant level.How often the
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| obtained no matter how severe the
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| | client monitors their sugar or glucose
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| diabetes condition is. If the proposed
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| | levels in their blood is another factor.
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| insured has well controlled diabetes and
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| | If the client habitually monitors their
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| a history of compliance with what the
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| | glucose level, then this is seen as
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| Doctor reccomends, then the rate for
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| | evidence of compliance on the part of the
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| insurance will naturally reflect that.
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| | client. If, on the other hand, the client
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| The better the control, the better the
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| | does not monitor these sugar levels, then
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| rate. Clients with well controlled
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| | this could be seen as a negative in the
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| diabetes have a great chance at getting a
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| | eyes of the insurers and
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| lower rate from a regular insurance
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| | underwriters.Have there been any low
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| carrier and would qualify for a policy
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| | sugar episodes? Have there been any high
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| that is fully underwritten. If, at the
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| | sugar episodes? Is the client taking
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| other extreme, the client has very poor
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| | glucovance, glucophage, insulin
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| control over the diabetes, the rate will
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| | injection, or other type of medicinal
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| be higher and the client will have to go
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| | treatment? Is the client controlling the
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| with a life insurance plan that
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| | diabetes with "diet and excercise"? These
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| guarantees acceptance. This type of life
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| | are all questions that will be asked
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| insurance is called "guaranteed issue
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| | during the underwriting process (unless
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| life insurance".Guaranteed issue life
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| | you opt for guaranteed issue).By the
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| insurance for diabetics is more expensive
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| | way...ANYONE can get guaranteed issue;
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| than regular (fully underwritten) life
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| | you don't have to be "uninsurable".
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| insurance and is only sold as "whole life
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| | Guaranteed issue is available for clients
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| insurance". This type of insurance can be
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| | between the ages of 46 and 80 and up to
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| advantageous, though, because it builds
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| | $35,000 in coverage. Again, this is the
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| cash value and is intended to cover the
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| | more expensive type of life insurance and
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| client for their "whole life" as opposed
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| | it is advisable that if you CAN make it
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| to a "term" period of time. Another
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| | through an underwriting evaluation, you
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| provision of guaranteed issue is that the
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| | should try unless you just want to pay
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| premiums paid into the policy would be
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| | more and be done with it!So what kind of
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| paid to the beneficiary PLUS 10% interest
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| | companies will accept clients with
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| if the insured dies within the first 3
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| | diabetes? Personally, I broker only with
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| years of the policy's inception. After
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| | "A" rated companies that have the right
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| that 3 year period of time, the
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| | combination of price, customer service,
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| guaranteed issue policy would pay the
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| | product variety, and recognition in the
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| full death benefit to the
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| | market. I deal with companies that take
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| beneficiary.Fully Underwritten policies
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| | clients on a case by case basis as
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| take the client's full medical records
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| | opposed to categorizing them "by the
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| into account. The doctor's records are
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| | book". I have fully researched the
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| ordered, blood is drawn, a urine sample
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| | market, I am in touch with the
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| is taken, and a full screening is done to
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| | underwriters personally, and I assure you
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| evaluate the client. If the insurance
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| | that these companies have the proper
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| company decides to insure this applicant,
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| | credentials to back up their policies. My
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| it is after the company's underwriters
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| | clients are provided with full company
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| look at the case. If the client is fully
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| | backgrounds and financial profiles. I
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| underwritten and passes through
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| | deal with several companies that are in
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| underwriting, then they would have more
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| | the market to insure diabetics. The
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| options than just whole life insurance
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| | reason why I am witholding exactly what
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| (in the case of those who are in need of
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| | companies I deal with is because I want
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| guaranteed issue whole life insurance).
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| | to earn your business and represent you
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| Term insurance, Universal Life Insurance,
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| | as your life insurance agent. Contact Me
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| Survivorship Universal Life Insurance,
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| | for a free consultation!By: Ashley
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| and regular Whole Life Insurance would be
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| | Brooks, CLTCAshley is the marketing vice
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| available to these applicants that are
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| | president for the Family Life Insurance
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| fully underwritten.When evaluating a
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| | Brokerage Business and has a background
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| client with diabetes, the underwriters at
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| | in Health & Financial Underwriting,
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| the insurance company take into account
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| | Insurance Plan Design, and "best deal"
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| whether the client is a type one diabetic
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| | shopping. Brokerage Services carries
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| (type I diabetic, type 1 diabetic, type 1
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| | only A rated (or better) companies in
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| diabetes, type I diabetes) or a type two
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| | their product portfolio and has been
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| diabetic (type II diabetic, type 2
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| | serving the needs of Independent
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| diabetic, type 2 diabetes, type II
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| | Insurance Agents since 1977.More
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| diabetes). Another thing that the
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| | Information about Life Insurance For
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| underwriters look at is whether the
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| | Diabetics and
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| client is a juvenile onset diabetic or an
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| | Diabetic Life Insurance.Get a free Life
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| adult onset diabetic. And yet Another
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| | Insurance Quote at my website, designed
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| determining factor is the Hemoglobin A1C
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| | exclusively for those searching for a
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| level (this is a more comprehensive test,
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| | free, online life insurance quote.
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