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Group Life Insurance: The Pros and Cons of Obtaining Diabetes Life Insurance Through Your Workplace

You finally think that you have scored the perfect job. You love what you do, you love your co-workers, and you love your company’s benefits package. It even comes with a free or discounted group life insurance policy. You find yourself jumping at this bonus because, well, it’s free or cheap. Who wouldn’t be excited, right? Free is always good. Cheap may be good. But, when it comes to group life insurance, do you really want to put your family’s security in the hands of your employer’s group policy? You never know what life may bring and, while you may [...]

March 31st, 2018|

Guaranteed Issued Life Insurance With Diabetes

Finding affordable life insurance with Diabetes can feel like a challenge at times.  It’s easy to feel frustrated if certain companies, or agents, are telling you that you can’t get approved for life insurance.  Since Diabetes is a chronic illness, you’re already being viewed as a high risk, in the eyes of insurance companies.  But what if you have other significant health issues? Can you still get approved for coverage? The answer is YES!!!  There are certain type of policies available to people with severe health complications.  These types of policies are called Guaranteed Issued Life Insurance policies. Life the [...]

March 21st, 2018|

Life Insurance with Diabetic Neuropathy

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, as it results in nerve damage that is unrepairable. Sadly, almost half of all diabetics will suffer from some type of nerve damage. Finding life insurance with diabetes can be difficult to begin with. Add a diabetes related complication, and you can find yourself with less options to choose from. Or in some cases, [...]

March 1st, 2018|

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 [...]

February 15th, 2018|

Declined Life Insurance Due to Diabetes?

Here’s What You Need to Do If you have been diagnosed with diabetes and have been unsuccessful at obtaining life insurance – don’t give up. Of course, life insurance is one of the most important things you can do for your loved ones and, upon your death, it will provide your family with everything they need to take care of themselves, handle your financial obligations and debt, and take care of your funeral expenses. Without it, you may leave them grieving and in a financial nightmare. Knowing this can really cause you a great amount of undue stress, too. So, [...]

February 8th, 2018|

Obtaining Life Insurance for Diabetics: Specifically on SGLT2 Inhibitors

Life insurance is hands down one of the most important decisions you will make in your lifetime. It will single handedly help to provide for your family’s financial future in the scenario that you’re no longer there to help support them. The problem with obtaining life insurance that there are so many options out there it can be extremely overwhelming. On top of life insurance being a challenge to obtain the right kind that suits your lifestyle, having a preexisting health condition makes things even more difficult. What makes matters more difficult is that if you are unable to control [...]

October 11th, 2017|

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? Gestational Diabetes and Type 2 Diabetes Rick Factor When getting life insurance, the insurance underwriters know that Type 2 Diabetes is not one that they are born with but that manifests over time with their lifestyle choices. Risk factors are taken into consideration when a life insurance [...]

October 4th, 2017|

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.

September 29th, 2017|

Medicare 101 for People with Diabetes

Millions of Americans have diabetes and it is one of the costliest health conditions to treat. Americans older than age 45 have an increased risk of diabetes, so it’s normal for people to ask about how well Medicare covers diabetes treatment. Medicare has several parts, and treatment for diabetes may occur under each part. In this article, we’ll explore how each part of Medicare covers diabetes so that you’ll know exactly which costs to expect. Since Medicare doesn’t cover everything, we’ll also explain how Medigap plans can help with some of the cost-sharing that would be normally up to you. [...]

September 19th, 2017|

Is Insulin Pump Therapy Better for Diabetic Life Insurance Rates?

It’s no secret that anyone with a chronic health condition will inevitably – more than likely – end up paying a higher premium for their 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. If you’ve been diagnosed with diabetes – even if you’re receiving insulin therapy by way of an insulin pump, you can be found eligible for an affordable diabetic life insurance policy capable of providing your family [...]

July 21st, 2017|