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

If you’re purchasing life insurance for the first time, the whole process can feel a bit overwhelming – or a lot overwhelming. 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. After all, these are the kinds of factors that the life insurance company will be taking into consideration while underwriting your policy. Underwriting is completed by a group of licensed life insurance professionals termed “underwriters”. Underwriters are responsible for [...]

5 Tips to Cope with Your Diabetes Diagnosis

With a diagnosis of diabetes, or any chronic illness, you may initially feel overwhelmed, helpless, and afraid. One second you were “you”, and now, you’re “you with diabetes”. What does this mean? How will this affect your life? You may begin to analyze the choices you once made in your youth; you scold yourself for poor eating habits, not getting enough rest, working too much and never establishing effective stress management skills. In the moment you receive your diagnosis, your mind races, but regardless of what led to this moment, you’re here, and we’re here to help. Here are five [...]

Life Insurance Companies Approving Policies for Children with Diabetes

Life insurance can be uncomfortable to talk about for yourself and family members but when discussing for children it is especially unsettling. The easiest way to think about life insurance for your child is to consider it an investment for them in the future, since they would be locked into their rates as long as the premium is paid. When discussing life insurance for a child with diabetes, be sure that before you apply that your child’s diabetes is well managed. That will be the best way to ensure that you are able to get the coverage you need at [...]

Welchol : How Can it Affect Your Ability to Purchase Life Insurance?

It’s no news that purchasing life insurance can be difficult for people who have pre-existing medical conditions, like diabetes, but did you know that the prescriptions you use to manage your condition might influence whether or not you’re approved for the purchase of a life insurance policy too? It’s true; medicines commonly prescribed to treat your diabetes may influence premium quotes as well as eligibility. Let’s take a look at one of them. […]

Adlyxin Get’s The Go-Ahead

The Food and Drug Administration (FDA) has approved a new medication to help treat adult type 2 diabetics. Every time a new drug hits the market, it’s important to understand the pros and cons of each treatment. Because there are always new drugs being developed for diabetes, we can always find better ways to manage glucose levels. The new medication, Adlyxin which is developed by Sanofi is a glucagon like-reception (GLP-1) that is injected and will be used to treat type 2 coupled with diet and exercise. The GLP-1 is a hormone that is released after eating and will suppress [...]

Dogs or CGMS?

I’m sure you’ve all read or seen a story about a dog that saved someone’s life. Maybe they woke them up when there was a fire, or maybe they detected a hypoglycemic episode. Sure, these stories are adorable, and we all love to hear them, but how reliable our furry friends versus a continue glucose meter at warning against low glucose levels? A recent study by Dr. Los a pediatric endocrinology fellow at the Oregon health & Science University wanted to see just how well man’s best friend did when pitted against technology. To see which one was better, Dr. [...]

Diabetes And Heart Attacks, Worse Than We Thought?

A recent study has shown that the link between diabetes and heart attacks could be worse than we originally thought. Sure, we’ve always known that being diabetic increases the chance of having cardiovascular complications like heart attacks, but most people don’t realize just how much diabetes impacts our hearts. The study was completed at the University of Leeds and was published in the Journal of Epidemiology and Community Health. The researchers looked at 700,000 people that went to the hospital for a heart attack between the years of 2003 and 2013. Looking at the data, the researchers found that 121,000 [...]

Sleep – Too Little Or Too Much – Bad Either Way

Some news out of the Endocrine Society’s Journal of Clinical Endocrinology & Metabolism has shed some new light on the connection between sleep and diabetes risk. The study published in the journal showed bad news for men that aren’t getting enough sleep and are sleeping too much. We already know that impact that sleep can have on a diabetic and getting enough sleep is important for your body. Sleep gives your body the time that it needs to recover from the day and gives it the energy it needs. Although we know the importance of sleep, the average number of [...]