My goal with this article is so that people afflicted with Diabetes and looking for life insurance could possibly learn more on how to get better offers.

When to body does not produce enough insulin for your body this is what causes the disease known as Diabetes. You couldd possibly manage or control this nasty disease by consulting with a Dr. and taking some sort of medicine combined with diet and exercise. By the way when applying for a life policy the above mentioned factors (diet, exercise and medication) are the big factors the underwriters look for in you file. Control and follow up with your doctor are huge and will greatly improve your opportunity for the best rates.

In the insurance underwriting process you need to be in control of the symptoms and issues due to in the later stages it causes complications and can accelerate, coronary artery disease, kidney disease and stroke. Higher Life Insurance cost's couldd be associated or expected if your diabetes is not controlled and managed.

Please disclose all of the following below to your broker or underwriter so your underwriting process will go more quickly:


Date of diagnosis and the age at onset
What medication are you taking and the treatment provided by your Dr.
Were you diagnosed as having type one or type two diabetes
Blood sugar levels are important, do you monitor them your self and how often
Any complications such as: nephropathy, neuropathy, cardiovascular disease and retinopathy-to name a few
Your current build: Height and weight
Blood Pressure

Diabetes Life Insurance Underwriting:

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Make a note of the things you do in your life to make sure you are taking care of yourself see the list below as a guide to give to your broker:

* Have you seen any specialists: Like neurologist, endocrinologist or nephrologist? If you have either obtain the records or have the latest results from them and explain to your broker.
* History of your blood sugar control: copies of blood sugar tests and your Hemoglobin A1c’s always help
* Note: Blood sugar and A1c readings are a huge factor in life underwriting for diabetics.

Make sure that you give as much detailed information to your broker and underwriter about you you specifically do to improve your health to control your disease. The more they know about you and how you take care of yourself the better the carrier can underwrite you.

Here is a list of the possible underwriting decisions:

Juvenile Diabetes (insulin dependent):
Could be as good as rated table two or could be much higher it will depend on your past health history.
Typical case is table 2-4
If poor history and control could be postponed or outright declined by the carrier

Adult Onset Diabetic (non insulin dependent):
Possible Best Offer: Standard rates, might be possible to get better offer but depends on the carrier and their own guidelines
Most typical offer is Standard rates to Table 2 rates but varies
Obviously the worst case scenario is an outright decline by the carrier or they could postpone your file until you get better control recorded by your Doctor .

Please visit our other Diabetes Life Insurance resources or learn more about Substandard Impaired Risk Life Insurance.