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Underwriting Life Insurance For Diabetics and Diabetic Life Insurance Information

Life Insurance Companies differ in theircomprehensive test, showing the blood sugar
"underwriting philosophy" when it comes tolevels over about a 3 month period of time as
diabetes. Offering life insurance foropposed to a quick "snapshot" blood level
diabetics can be risky if the underwriterstest).If the client's A1C level is below 8,
are not fully trained. Underwriters at thethen fully underwritten life insurance may be
insurance companies that are fluent inavailable subject to the client's full
underwriting diabetes have the ability tomedical file. If the client's A1C level is
look at all of these factors and determine ifabove 8, then guaranteed issue life insurance
the company will accept them as a risk.is a more realistic goal.One of the things
Moderately controlled diabetes cases wouldthat applicants fear in the case of insulin
usually merit a "rating" or an increase independent type 1 diabetics is whether or not
the premium, but not necesarily a declinationtheir insulin pump will prevent them from
for coverage. If the client with diabetesgetting a life insurance policy. An insulin
that is looking for life insurance is notpump is actually a positive factor where life
controlled, then there are options - it willinsurance underwriting is concerned because
just cost them more for coverage!Diabeticthe client's insulin level is kept at a
Life Insurance can be obtained no matter howconstant level.How often the client monitors
severe the diabetes condition is. If thetheir sugar or glucose levels in their blood
proposed insured has well controlled diabetesis another factor. If the client habitually
and a history of compliance with what themonitors their glucose level, then this is
Doctor reccomends, then the rate forseen as evidence of compliance on the part of
insurance will naturally reflect that. Thethe client. If, on the other hand, the client
better the control, the better the rate.does not monitor these sugar levels, then
Clients with well controlled diabetes have athis could be seen as a negative in the eyes
great chance at getting a lower rate from aof the insurers and underwriters.Have there
regular insurance carrier and would qualifybeen any low sugar episodes? Have there been
for a policy that is fully underwritten. If,any high sugar episodes? Is the client taking
at the other extreme, the client has veryglucovance, glucophage, insulin injection, or
poor control over the diabetes, the rate willother type of medicinal treatment? Is the
be higher and the client will have to go withclient controlling the diabetes with "diet
a life insurance plan that guaranteesand excercise"? These are all questions that
acceptance. This type of life insurance iswill be asked during the underwriting process
called "guaranteed issue life(unless you opt for guaranteed issue).By the
insurance".Guaranteed issue life insuranceway...ANYONE can get guaranteed issue; you
for diabetics is more expensive than regulardon't have to be "uninsurable". Guaranteed
(fully underwritten) life insurance and isissue is available for clients between the
only sold as "whole life insurance". Thisages of 46 and 80 and up to $35,000 in
type of insurance can be advantageous,coverage. Again, this is the more expensive
though, because it builds cash value and istype of life insurance and it is advisable
intended to cover the client for their "wholethat if you CAN make it through an
life" as opposed to a "term" period of time.underwriting evaluation, you should try
Another provision of guaranteed issue is thatunless you just want to pay more and be done
the premiums paid into the policy would bewith it!So what kind of companies will accept
paid to the beneficiary PLUS 10% interest ifclients with diabetes? Personally, I broker
the insured dies within the first 3 years ofonly with "A" rated companies that have the
the policy's inception. After that 3 yearright combination of price, customer service,
period of time, the guaranteed issue policyproduct variety, and recognition in the
would pay the full death benefit to themarket. I deal with companies that take
beneficiary.Fully Underwritten policies takeclients on a case by case basis as opposed to
the client's full medical records intocategorizing them "by the book". I have fully
account. The doctor's records are ordered,researched the market, I am in touch with the
blood is drawn, a urine sample is taken, andunderwriters personally, and I assure you
a full screening is done to evaluate thethat these companies have the proper
client. If the insurance company decides tocredentials to back up their policies. My
insure this applicant, it is after theclients are provided with full company
company's underwriters look at the case. Ifbackgrounds and financial profiles. I deal
the client is fully underwritten and passeswith several companies that are in the market
through underwriting, then they would haveto insure diabetics. The reason why I am
more options than just whole life insurancewitholding exactly what companies I deal with
(in the case of those who are in need ofis because I want to earn your business and
guaranteed issue whole life insurance). Termrepresent you as your life insurance agent.
insurance, Universal Life Insurance,Contact Me for a free consultation!By: Ashley
Survivorship Universal Life Insurance, andBrooks, CLTCAshley is the marketing vice
regular Whole Life Insurance would bepresident for the Family Life Insurance
available to these applicants that are fullyBrokerage Business and has a background in
underwritten.When evaluating a client withHealth & Financial Underwriting, Insurance
diabetes, the underwriters at the insurancePlan Design, and "best deal" shopping.
company take into account whether the clientBrokerage Services carries only A rated (or
is a type one diabetic (type I diabetic, typebetter) companies in their product portfolio
1 diabetic, type 1 diabetes, type I diabetes)and has been serving the needs of Independent
or a type two diabetic (type II diabetic,Insurance Agents since 1977.More Information
type 2 diabetic, type 2 diabetes, type IIabout  Life  Insurance  For  Diabetics  and
diabetes). Another thing that the
underwriters look at is whether the client isDiabetic Life Insurance.Get a free Life
a juvenile onset diabetic or an adult onsetInsurance Quote at my website, designed
diabetic. And yet Another determining factorexclusively for those searching for a free,
is the Hemoglobin A1C level (this is a moreonline life insurance quote.



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