Finding life insurance as a diabetic can be challenging, but don’t worry, it is possible to fine good life insurance despite your diabetes. It doesn’t matter what type of diabetes you have, if you have been responsible in managing your condition then you will be able to get the life insurance you deserve and need.
Although in some cases life insurance premiums for diabetics are extremely high, it is possible to find low cost premiums. If you haven’t suffered any serious side effects of your condition in recent years such as insulin shock, amputation or a diabetic coma, then you have a much better chance of falling into the low-cost bracket.
If you have suffered serious health issues due to mis-managing your condition you can still find coverage, but the premiums will be extremely high. This will be determined by an exam by a doctor employed by the insurance agency, who will assess you level of health and life expectancy.
Once you have a clear idea of your personal situation, shopping for a provider is a matter of time and perseverance. For best results contact an agent who has experience finding the best policies available for individuals with diabetes, I personally used Diabetic Life Insurance Solutions and was greatly pleased.. This will help you ensure you get the best rates available for your particular situation.
Of course, the best rates go to those individuals who have well controlled diabetes and have been cautious with their health. If you were recently diagnosed with the condition, then be sure to have at least 3 follow up visits with your physician before applying for health insurance. This will help demonstrate the level of control you have over your condition.
More expensive life insurance will be given to individuals who have ignored their symptoms or have uncontrolled diabetes. So caring for you health is the most important way you can make sure you are able to get an affordable life insurance policy.