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What is the Process of Underwriting? What Does It Mean?

If you plan on purchasing life insurance for the first time, the whole process can feel a bit overwhelming – or a lot overwhelming. Especially if you have Diabetes. As you are discovering, not all life insurance companies offer life insurance to Diabetics. NOR do all companies offer the same diabetic life insurance rates. Which policy type do you choose? What is a fair premium? What kinds of information will you be asked to provide and how will your answers affect the outcome of your application? These are all important questions to consider when applying for life insurance for diabetics. After [...]

2020-01-13T22:09:32-05:00

Is Insulin Pump Therapy Better for Diabetic Life Insurance Rates?

It’s no secret that anyone with a chronic health condition such as Diabetes, will inevitably – more than likely – end up paying a higher premium for their Diabetes life insurance policy than someone who is in predominantly perfect health. Most people don’t know that despite a chronic health diagnosis, it is possible to avoid excessively high premiums while maintaining a policy that is suitable for your family.  But how will a life insurance company view your use of an insulin pump? If you’ve been diagnosed with diabetes – even if you’re receiving insulin therapy by way of an insulin [...]

2020-01-13T22:09:39-05:00

Life Insurance For Type 2 Diabetics

Life insurance with type 2 diabetes doesn’t have to be a hassle any longer. When working with Diabetes Life Solutions, we’ll work with you to find the life insurance companies who won’t rate you higher for having diabetes type 2.  Our mission is to help those with Diabetes, secure the best life insurance rates possible Having Type 2 Diabetes is more common than you think. As of 2019, there are over 30 million people ( Nearly 9% of population) in the United States alone, with this chronic illness. We know that having Type 2 Diabetes isn’t a death sentence, and [...]

2020-01-13T21:56:45-05:00

The Importance of Life Insurance for the Stay-at-Home Parent

The working parent isn’t the only one that should purchase a life insurance policy; both parents are equally as valuable to a family, but often the value of a stay-at-home parent is overlooked. This is presumably due to the fact that the stay-at-home parent is not generating income, but it is important to understand the expenses that would be placed upon the family in the event of the absence of the stay-at-home mom or dad. Stay-at-home parents are truly a financial value to a family – especially families that have several small children or even a child with diabetes. Currently, [...]

2020-01-13T22:09:52-05:00

Life Insurance for Gestational Diabetics

Gestational Diabetes is usually a temporary type of diabetes that occurs during 18 percent of pregnancies, however, studies show that people who develop Gestational Diabetes are more at risk to develop Type 2 Diabetes later on in life. So what does this mean for you when you are trying to get life insurance, if you have Gestational Diabetes? Here’s a hint, it may not impact life insurance rates at all! Many times life insurance with Gestational Diabetes can be obtain with NO extra premiums, or higher ratings. When working with Diabetes Life Solutions, we’ll make sure to recommend specific life [...]

2020-01-13T22:09:59-05:00

Term Life Insurance vs. Whole Life Insurance

Having Diabetes and searching for life insurance isn’t the easiest thing to do. Like most people, you know you need life insurance. But what type of coverage is best for you and you family? Good news for people with Diabetes. You will likely have no issues getting approved for both Term Life Insurance and Whole Life Insurance policies. Simply speak with one of our agents, and we’ll happily explain your options to you. People with Type 1, and Type 2 Diabetes can qualify for all types of Life Insurance policies. Two of the most common talked about policies are term [...]

2018-11-05T15:13:11-05:00

Term Life Insurance With Diabetes

Term Life Insurance for Diabetics You know how important life insurance is or else you probably wouldn’t have found your way here. Dying is a part of life so when it is your turn, you want to make sure that the loved ones you leave behind are taken care of. But, when it comes to medical conditions such as diabetes, finding affordable life insurance can be difficult. For many people, term life insurance is the best type of life insurance coverage.  Term coverage is the least expensive type of life insurance, a person can purchase.  There are many types of [...]

2020-01-13T22:10:10-05:00

Life Insurance with Diabetic Neuropathy

Original Post: March 1st, 2018 | Last Updated: July 1st, 2019 Can you get life insurance with diabetic neuropathy? It’s possible and rates may be less expensive than you can imagine. But before anyone can determine your eligibility for life insurance, you’ll need to share specific diabetes, and neuropathy history with a licensed agent Do you or someone you know suffer from diabetic neuropathy? This condition is quite common among diabetics – and often appears when your blood sugar has not been managed and kept under control for a length of time. It is a complication that many diabetics fear, [...]

2019-07-01T22:34:01-04:00

Affordable Life Insurance for Diabetics

When we die, life still goes on for our loved ones. And, that includes bills and expenses associated with our death, our medical expenses, and any of our outstanding obligations. It is for this reason that it is why it is so important to protect your family by securing a diabetic life insurance policy. We have all heard the stories about this insurance company denying someone life insurance due to Type 1 diabetes or Type 2 Diabetes, another denying life insurance for a different reason. The stories are common, and they vary greatly from company to company. If you have [...]

2018-02-15T21:33:51-05:00

The Costs of Diabetes Infographic

The costs of diabetes can be astronomical. Costs begin to pile up when you add on testing supplies, insulin and other medications, doctor visits, blood work and other lab tests, health insurance, life insurance, and more. Our friends at The Diabetes Council have created an infographic to outline the costs of diabetes. You can see the first part of the infographic below and find the full article here - The Costs of Diabetes.

2017-09-29T15:06:53-04:00