Trying to get life insurance with diabetes?
If you have diabetes and are looking for life insurance, there are a few things you should have ready before calling an insurance agent for life insurance quotes (in addition to the basics like age, height and weight, coverage amount, and term guarantee periods you’re interested in reviewing, etc.). For diabetics, make sure you also know:
1) The year it was diagnosed or approximately how many years you’ve been diabetic.
2) Your list of prescriptions, including the units of insulin if you use it.
3) Your most recent A1C reading.
Know your diabetes A1C reading!!! This number is key to getting the most accurate quotes for life insurance rates for diabetics! It greatly affects the health risk classification an insurance company will assign. Without this number, any quote you get from an insurance agent is basically going to be a best-case scenario and not necessarily an accurate quote for your specific medical background.
Risk classification determines the rates for your life insurance policy! Most policy options are not pass/fail underwriting – think more like steps on a ladder and as you move down the steps, the higher the price becomes because there’s more going on in the medical history (and other factors).
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