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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 [...]

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 [...]

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.

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. [...]

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 [...]

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. Making [...]

How Traveling Overseas Can Disqualify You for the Eligibility to Purchase of Life Insurance

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. Don’t worry, there is no need to stop exploring the world and checking off bucket-list destinations, but you may want to learn more about how your specific destinations have the ability to affect your eligibility should you desire to purchase life insurance. It’s All About the Destination A trip to Ireland is unlikely to affect your [...]

Questions to Ask When Buying a Life Insurance Policy

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. 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 be a huge financial burden is an admirable gesture – one that will bring you peace in knowing that even if you’re not present, [...]

Why You Should Buy Life Insurance from An Independent Agent

Wouldn’t it be nice to have the option to purchase your life insurance policy from a licensed agent who is equally as knowledgeable about your medical conditions and the difficulties they might present as they are knowledgeable about the ins and outs of the life insurance policy options available to you? Well, this is an option when you choose to purchase your life insurance policy from an independent life insurance agent. Taking extra initiative to remain current in matters regarding the assistance of individuals with chronic illness in their pursuit to discover an affordable life insurance policy that has been [...]

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 [...]