We have more knowledge than your average agent when it comes to obtaining affordable life insurance for women with diabetes from a top rated carrier.
(It’s ok, you can breath a sigh of relief!)
We have successfully obtained life insurance for women with diabetes that have challenging cases time and time again.
3 Reasons Why ITQ Secures Life Insurance For Women With Diabetes
1. We understand and know diabetes inside and out
2. We know what underwriting questions to specifically ask
3. We know which life insurance carriers offer credits for diabetics who take care of themselves
Life Insurance For Women With Diabetes Does Consider Type 1 and Type 2
The two most common types of diabetes: Type 1 and Type 2
Type 1 diabetes (Juvenile or insulin-dependent diabetes) is a chronic condition in which the pancreas produces little or no insulin, a hormone needed to allow sugar (glucose) to enter cells to produce energy. Type 2 diabetes is a lot more common and occurs when the body becomes resistant to the effects of insulin or doesn’t make enough insulin.
The majority of our diabetic clients are Type 2.
The diagnosis of diabetes is made based on the presence of elevated glucose with suggestive symptoms or an abnormal blood glucose test.
Hemoglobin A1c is a test that is very useful in the underwriting of life insurance, and it typically a concern when it reaches 6.0 or above.
ROUTINE DIABETIC UNDERWRITING QUESTIONS FOR LIFE INSURANCE
- At what age were you diagnosed?
- What was your last A1c reading?
- What is your height and weight?
- How is your diabetes being treated? Insulin? Oral Medications? Diet and exercise alone?
- What is your average fasting blood sugar readings?
- How often do you test?
- Any complications with your diabetes? i.e. Neuropathy? Retinopathy?
Is it possible to get a PREFERRED rate if I have diabetes?
YES! There is one life insurance carrier that will give you a preferred rating for diabetes if you were diagnosed over age 60, diagnosed in the last 5 years, and have an A1c around 6. Of course, this rating would also be subject to other underwriting criteria as well.
What rating am I likely to get if I am at an A1c rating of 7.0 or below?
There are about 6 different life insurance carriers that will give you a STANDARD rating for diabetes if your A1c is 7.0 or below. This would also be subject to other underwriting criteria.
What are the credits based on for taking care of myself?
These credits vary based on type of diabetes (Type 1 or 2), treatment (diet, oral med or insulin), age of onset, level of control and other factors such as normal build, blood pressure and cholesterol.
For more information about life insurance for women with diabetes or to obtain a no obligation, no hassle quote…please feel free to give us a call at (619) 933-0736 and discuss your life needs with a licensed agent that understands your medical condition.
*Written by Ellen Edwards. InsureTheQueen.com and its representatives do not give medical, legal or tax advice. Please consult your own physician, legal or tax adviser.
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