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SUFFER FROM DIABETES? NEED LIFE INSURANCE?
Once a person is diagnosed with diabetes, life insurance policies sold within the United States and Canada can become unaffordable or unavailable. This is because life insurance policies are allowed by state/provincial and federal law to "rate" or charge a premium based upon an applicant's health status. In addition, a plan can choose to not provide a policy based upon an applicant's health status.

Even so, it is possible for many people with diabetes to find affordable life insurance policies within the United States and Canada. You just have to know where to look. Certain life insurance companies, or carriers, specialize in selling policies to people with chronic health conditions like diabetes.

To find the best life insurance policy for you, please consider the following:

MAJOR FACTOR: HOW WELL DO YOU MANAGE?
A major factor in the cost of life insurance policies for people with type 1 or type 2 diabetes is how well they manage their diabetes. If you have a lower A1C, good blood glucose control, lead a healthy lifestyle, and do not have complications from diabetes, chances are your rate will be more reasonable too.
Find an insurance agent that is experienced in obtaining policies for individuals with "impaired risk" - they will know what carriers may offer you a policy and which one(s) may not.

GOOD ADVICE
Apply for a policy with a life insurance carrier that uses "clinical underwriting"- a process that looks at your total health, not just what health conditions you may have.
Shop around – on the internet, by phone, or through referrals from family and friends. Becoming your own advocate will help you to find a life insurance policy that best fits your needs.

BE DILIGENT IN SEARCHING
Never take no for an answer! Just because one company rates or declines your application does not mean that another company will not look at you more favorably.

If you have diabetes and it is under control, you could be eligible for great rates for life insurance. An insurance exam and your medical records could determine that you are insurable and eligible for some good savings on your life insurance.

From www.Diabetes.org

So, if you are a diabetic and are looking for life insurance at a reasonable rate, please start by filling out the form above.
We will have a qualified representative that will get back to you.

If you would like to quotes for more than one person, you can return to this quote form as often as you like and submit as many quote requests as you like.