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Diabetes? Our Experts Can Help!
Most people with diabetes run into tremendous difficulty getting a good rate on their life insurance, and in many cases it is simply because their agent didn't send the application to the right insurer. The professionals at TermProvider know which carriers to use for every situation.
If you have diabetes, then you know the lifestyle change required to stay in good health. Some are required only to change their diet, while others must lose weight, change their diet, and take an oral medication. Still others may be required to add insulin shots to their regimen. Many insurers simply consider diabetes as too much of a risk and therefore either decline coverage, or just make the premiums so high that you can't afford them. However, there are many insurance carriers who will write coverage for diabetics at standard rates and we know who they are and under what situation they will give this rate. There is even an "A" rated carrier that will give preferred rates!
The carriers we work with are interested in a few factors to determine your rate. Your age at diagnosis is important. The younger you were at diagnosis the higher the premium. The next thing the insurers are looking at are your doctors records and your track record of keeping your sugar levels in check. The longer the record of stable sugars, the lower the premium. Another important factor is your current lab results which will include your fasting sugar, A1C level, cholesterol, and kidney functions. All of these together let the insurance carrier know how well you are treating your diabetes. By providing this information to us, we can make sure we place you with the carrier who will give you the best rate.
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