Can you buy life insurance if you have Type 1 or Type 2 diabetes? Absolutely! If you’re a diabetic, there are three important pieces of information to have ready in order to find the best diabetic life insurance quotes and rates:
- Your current height and weight.
- Recent hemoglobin A1C test results and averages.
- Your age. You’ll get better rates the older you were when you were diagnosed with diabetes
Control of your diabetes is the key to good life insurance rates
The key to buying affordable life insurance if you have diabetes is how well you have it under control. If you visit your doctor regularly, take your medications and are responding well to your treatments, we’ll have an easier time finding a company (or companies) that will offer you coverage.
Insurers will look at your blood-sugar levels and your hemoglobin A1C counts to help them decide how well you’re responding to your treatment. A1C levels are considered normal for non-diabetics when they are under 6. If you have diabetes and your A1C levels are between 6 and 7, it generally means you have good control of your diabetes. Under these conditions, you may be find policies with “standard” rates.
If A1C levels are between 10 and 12, you will likely be offered a more expensive policy. If an insurer finds that the person applying for a life insurance policy has A1C levels that are over 12, it may be difficult to find a policy until you get better control of the blood sugar levels.
**For more information about obtaining life insurance for Diabetes contact me at DDaughtry@SouthernStatesInsurance.com or call me at (678) 715-9671.
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