The Best Life Insurance for Type 1 Diabetics
There are over 3 million people in the United States that have Type 1 Diabetes and over 371 million worldwide. A new case is diagnosed every 30 seconds and 1.9 people are diagnosed each year. Needless to say, Type 1 Diabetes is a common illness all around the world. Many people buy life insurance every year with this condition and the purpose of this blog post is to show you how finding the best life insurance for Type 1 Diabetes.
Securing a life insurance product should not become a complicated matter if you are using the right insurance broker to help you.
To start out with a comprehensive list of competitive life insurance companies makes the job much easier because having a good choice of carriers is the first way to receive the lowest life insurance rates for Diabetics or any other medical condition for that matter.
All life insurance companies have different underwriting guidelines to follow.
Using the correct company is critical when locating the best life insurance rates for Type 1 Diabetics.
Life insurance companies tend to be very independent and they don’t usually play follow the leader in what type of life insurance risks they prefer. The many life insurance companies usually have their own style of underwriting criteria and niche markets they prefer. Some companies are better for affordable life insurance for smokers vs. non-smokers, people with health conditions, people that are overweight and so forth. Even an applicant’s occupation or involved sport is an important factor that would decide what the rates would be or even if they would insurance someone at all.
Some people have found that purchasing life insurance through some other agencies has been difficult for them with Type 1 Diabetes. Normally their main problem has been applying with the wrong companies that are not going to be as liberal in the underwriting department as some of the others which is a mistake and a virtual waste of time. We work with over 40 of the most competitive life insurance companies.
There are several excellent life insurance companies that we work with that work out very well and offer the best life insurance rates for Type 1 Diabetics.
Here is some of the basic information we will need to know so we can run a medical pre-screen to locate the lowest rates and eliminate any surprises as we proceed into the application process:
• What was your age when first diagnosed with the condition?
• Your current height and weight.
• What medications do you take daily?
• Do you have any other medical conditions other than the Type 1 Diabetes?
• What insulin medications do you use and the dosage?
• What are your current A1C levels currently and in the past year?
The hemoglobin A1C test, which is also called HbA1c, Glycated Hemoglobin Test, is an important blood test that shows how well your diabetes is being controlled. This means everything to an insurance company. Hemoglobin A1C provides an average of your blood sugar control over the past 2 to 3 months and is used along with home blood sugar monitoring to make any needed adjustments in your currently used diabetes medications.
The more information you can supply us with will make our pre-screen more effective. This in turn will help us secure the most affordable life insurance quotes and rates for your Type 1 Diabetes.
The lowest rates will be found by life insurance brokers that specialize in insuring people with these types of medical conditions and represent many companies.
Contacting insurance agents from such carriers as Country Companies, State Farm, Allstate, Farmers and large call centers that you see on television will be the most ineffective way to purchase your life insurance. This is simply due to the fact they do not have the experience with high risk life insurance and do not represent the proper companies.
Once you have a decline on your record, it can be seen by the next company you go to apply with which has you starting out on the wrong foot. This is why you want to go directing with an experienced agent who knows what to do to help you without taking a shot in the dark.
Finding the best life insurance for type 1 diabetics should be a stress free and smooth process when you are working with the right agent. Feel free to contact us 7 days a week for all the help you may need finding the best Term life insurance for your specific needs and budget. Thank you for reading our blog post “The Best Life Insurance for Type 1 Diabetics”.
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