Living with Diabetes

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. Those with Type 1 Diabetes will always have a challenging time finding life insurance coverage. As we continue to reiterate in our articles on this website, almost 99% of all applicants with Type 1 Diabetes will receive offers of coverage at a sub-standard rating.  Many websites intentionally mislead the Diabetes community by showing quotes using a Standard, Standard Plus, or [...]

2020-08-02T15:55:45-04:00
Read More

Questions to Ask When Buying a Diabetes Life Insurance Policy

Go to end. 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 be a [...]

2020-07-21T08:45:59-04:00
Read More

Increasing Life Expectancy for Type 1 and Type 2 Diabetics

We’ve all seen the numbers - people with Type 1 diabetes are expected to have a shorter lifespan than non-diabetics by about 20 years, and people with Type 2 diabetes are expected to have a shorter lifespan than non-diabetics by about 10 years. These are positive numbers compared to previous studies ten to twenty years. People with Diabetes have a lot more resources at their disposal to help them live a healthy life, and a long and prosperous life. That being said, life expectancy has a lot to do with what an individual does to manage his or her diabetes [...]

2020-03-11T00:11:40-04:00
Read More

How Glucose Levels Impact Your Life Insurance Premiums

For anyone who has an adverse health condition, qualifying for a life insurance policy can become more difficult. Especially for a person with Diabetes. When a person with Diabetes is seeking out life insurance coverage, glucose levels will play a key part in determining their life insurance rates. There are many companies to consider when applying for coverage, and every company will view your glucose readings differently. Don’t work yourself to death researching this on your own. Rather contact us at 888-629-3064. When an underwriter reviews your health profile, they will be looking for anything that may have an impact [...]

2020-01-13T22:01:02-05:00
Read More

Life Insurance for Hispanics With Diabetes

Receiving a diagnosis such as diabetes, which is a chronic disease can be very disturbing and worrying. As the number of Hispanics diagnosed with diabetes continues to rise, the fear of developing the disease is very real within the community. Per the Guardian, nearly 16% of the hispanic population with diabetes will be uninsured. Considered as a high-risk group, Hispanics face many challenges in the management of their diabetes and in the quest to obtain life insurance as a means of protecting their families. Finding an affordable life insurance policy for Hispanics with diabetes can be difficult, but this is [...]

2020-01-13T22:01:12-05:00
Read More

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 [...]

2020-01-13T22:01:24-05:00
Read More

Guaranteed Issue 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? Maybe you’ve been declined for life insurance as a diabetic over and over. Can you still get approved for coverage? The answer is YES!!! There are certain types of policies available to people with severe health complications. [...]

2020-01-13T22:01:34-05:00
Read More

Whole Life Insurance For Diabetics

2020 has been an interesting time to say the least. Covid 19 or Coronavirus has made living with Diabetes difficult. This deadly virus has also impacted what types of policies life insurance companies will offer, and who they will offer to. Never before have life insurance companies worried so much about your profession, or about your past or future foreign travel plans. Whole life insurance with Diabetes can still possibly be obtained, but it will be a little more difficult than in years past. To receive information please call us at 888-629-3064 or fill out a quote request. A licensed [...]

2020-05-02T21:08:12-04:00
Read More

What Happens if you Outlive Your Term Life Insurance Policy?

Years ago, you made the decision to purchase a term life insurance policy. Now, you are faced with a dilemma. You still have a need for life insurance coverage and your insurance policy is due to expire – and you don’t want to be left empty-handed. Reviewing your life insurance policy from time to time is vital in making sure you have the proper coverage in place, to protect your family. If your term life insurance policy is about to expire, don’t be alarmed. Good news! You have choices. Choice 1: Renew your term policy at an annual renewable rate. [...]

2019-03-06T10:04:00-05:00
Read More

Yoga & Diabetes

How can your body, and life insurance rates, benefit from practicing yoga daily? Having any type of diabetes, whether it’s type 1 or type 2, you know how important exercise can be for your overall health. Most doctors and endocrinologists do recommend a regular exercise program, to go along with your healthy eating habits. For some people, running on a treadmill, or lifting weights doesn’t excite them. Or maybe you don’t have time to drive to a local ‘spinning’ or aerobic class across town. One type of exercise that your body could benefit from is Yoga. And this is something [...]

2019-01-12T14:36:39-05:00
Read More