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Life Insurance and Your Divorce

Divorces are rarely ever wonderful. And, why would they be? They are the finalized product of a love-went-wrong. Most people want to get over it and move on as quick as possible. For some, without any kids or accounting nightmares, that may be possible. However, for others, not so much. There is a lot to be considered in a divorce – especially when it means separating a family. It takes time to sort through finances, assets, property, and such. Dissolving the marriage – a life together – is no easy feat. So, while the details are being worked out, there [...]

2018-12-03T19:24:35+00:00 December 3rd, 2018|

How Traveling Overseas Can Disqualify Your Eligibility to Purchase Life Insurance

Original Post: June 5th 2017 It might seem illogical that international travel can affect your eligibility for life insurance, but it is true. If you are traveling overseas and you have diabetes, then it may add another hurdle to jump in order to qualify for a life insurance policy. We have written this article to help those who have Diabetes, and who travel for a living, find an affordable diabetic life insurance policy. Many people don’t realize, especially insulin controlled diabetics, that one of the most common reasons to be declined for life insurance is due to travel destinations. Finding [...]

2018-11-29T16:37:20+00:00 November 28th, 2018|

Life Insurance with Diabetic Retinopathy

Finding affordable life insurance with Diabetes is hard enough, without having a history of a diabetic complication. How does diabetic retinopathy impact your life insurance options, and rates? Does life insurance for diabetic retinopathy even exist? Good news! It still is possible to qualify for life insurance with a history of diabetic retinopathy. You may even be eligible for no medical exam life insurance policies. Diabetes Life Solutions is here to help you not just FIND coverage, but to help you find the best priced life insurance policy, given your complete health profile. Let’s first look at what exactly retinopathy is. [...]

2018-11-24T22:13:26+00:00 November 24th, 2018|

Questions to Ask When Buying a Diabetes Life Insurance Policy

Original Post: May 27th, 2017 When you decide it’s time to purchase life insurance, you’ll probably have a few questions about coverage, policy types, and whether or not you’re likely to be approved for your desired policy. Having diabetes, you’ll want to ask even more questions, than a person who does not have a chronic illness. Asking these questions is extremely important. The outcome will determine your status of approval, your monthly premiums, and the extent of financial protection and preparedness that your family will receive in the event of a loss. Taking a proactive approach to alleviating what could [...]

2018-11-24T21:44:30+00:00 November 19th, 2018|

Life Insurance Riders you Should Consider

Life insurance can address numerous financial objectives, at various stages of your life.  As you get older, perhaps have children, move into a larger home, your life insurance needs to change with you. As you know, people with Diabetes can qualify for life insurance coverage, at affordable rates.  But in addition to obtaining Diabetes life insurance to protect your family, you will want to review what possible ‘riders’ your term life insurance, or permanent life insurance policy can provide. What is a Rider on a Life Insurance Policy? When you purchase a life insurance policy, your policy’s terms and conditions [...]

2018-11-15T16:32:34+00:00 November 15th, 2018|

Obtaining Life Insurance for Diabetics: Specifically on SGLT2 Inhibitors

Original Post: October 11th, 2018 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 with Diabetes is there's a lot of bad information out there on the internet, or over your TV and Radio airwaves. Every commercial or website advertises rates that seem too good to be true, when it comes to diabetic life insurance. Truth is, the rates you hear about, [...]

2018-11-15T13:11:25+00:00 November 12th, 2018|

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

Original Post: May 9th, 2017 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 [...]

2018-11-09T14:07:42+00:00 November 8th, 2018|

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+00:00 November 5th, 2018|

Is Insulin Pump Therapy Better for Diabetic Life Insurance Rates?

Original Post: July 21, 2017 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 [...]

2018-10-29T21:50:21+00:00 October 29th, 2018|

How Glucose Levels Impact Your Life Insurance Premiums

Original Post: September 25, 2014 For anyone who has an adverse health condition, qualifying for a life insurance policy can become more difficult. Especially for a person with Diabetes. This is because anything that has an effect on life expectancy can be considered as an increased risk to the insurance company, and in turn, a potential for an increased risk of claim. Therefore, oftentimes applicants who have various health issues are either turned down or coverage, or they are rated as Substandard and required to pay an additional amount of premium in order to compensate for the increased risk to [...]

2018-10-25T20:27:57+00:00 October 25th, 2018|