Any cheap life insurance for diabetics?

Where I can get good cheap life insurance? Both my husband and I are diabetic.

Whether or not you both qualify for cheap life insurance as diabetics depends on the insurance company, and your age, health, height-to-weight ratio and how you manage your diabetes.

Many life insurance companies in the past would not insure diabetics. However, now that more information is available about the proper management and medication available for diabetes, life insurance companies may be willing to insure diabetics for life insurance.

One way to find out is to compare rates and plans for Life Insurance for Diabetes online from several highly-rated life insurance companies.

That way, you can find out which insurer may offer you the most affordable life insurance plan.

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Cheap Life Insurance for Diabetics?

Where can I find cheap life insurance for a diabetic?

My father is 49 yrs old and he got "diagnosed" as diabetic about 10 yrs ago.

Where might I find cheap life insurance for him?

Finding cheap life insurance for a diabetic may not even be an option. Life insurance for diabetics has been limited in the past due to insurer's view of diabetes as a health risk.

However, more recently, several life insurance companies may offer life insurance coverage to people living with diabetes, depending on the diabetic's health, type of diabetes, how the diabetes is managed, the person's height-to-weight ratio, age, and other diabetes-related factors.

One way to find out more about your options for diabetes life insurance is to review this article on Life Insurance for Diabetes and request your free life insurance quotes.

If you are declined for coverage you may want to consider AARP/ New York Life, Mutual of Omaha, Colonial Penn, or Globe Life Insurance. These insurers offer a limited amount of life insurance and simplified underwriting with no physical.

For instance, Globe Life Insurance may offer people age 78 and under up to $30,000 of simplified life insurance with no medical exam required.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Applying for Life Insurance with Diabetes?

Underwriting is asking my wife when she was first diagnose with diabetes for her life insurance.

Though these questions can be found by looking in her medical records, is having diabetes longer or recently help your chances of getting life insurance?

The date diabetes was diagnosed may not affect your wife's acceptance for life insurance.

She will probably qualify for life insurance - it's the Rates that the underwriter has to figure out, and that will depend on what Type diabetes you have.

They want to know if she's Type 1 or 2, and if they compare how long she's had it, what her weight is, and what her A1C levels are, that will be crucial.

Why does it matter? For example: If you have type 1, since you were 4, but aren't overweight, and have "normal" A1Cs, you're going to live longer than if you've got type 2, weigh 400 pounds, and have A1C levels in the double digits.

It's part of the whole picture - you can't just look at one aspect.

Now there are several life insurers with more experience and information, who are better able to review the risks associated with diabetes, so you may have a better chance of qualifying for quality, affordable life insurance coverage if you have diabetes, and manage your risk properly.

Here's how to learn more about Life Insurance for Diabetes and compare quotes and plans form several leading life insurers.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Cheap life insurance for diabetics?

Where I can get good cheap life insurance if I am diabetic?

For many life insurance companies Type 1 diabetes automatically disqualifies you for coverage.

Also, finding cheap life insurance with diabetes may be next to impossible.

If you work for a company that offers a small life insurance benefit free of charge, such as $10K, that usually sticks, but anything more than that you may be denied life insurance coverage.

Ask your employer about your employee life insurance benefits and how much coverage you have. Also, ask if you can increase the amount of group life insurance you have (maybe by paying extra) - see if you can get more even though you have diabetes.

Also, depending on the type of diabetes you have, and how you manage your diabetes, you may qualify for individual life insurance.

Some life insurance companies now offer coverage to people who have diabetes. Whether they accept type 1 or type 2 diabetics depends on the insurance company, your health, and how you manage your diabetes.

Here's how to learn more about life insurance for diabetics and compare life insurance plans, rates, and insurance companies.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Life Insurance for Diabetes

If you have diabetes you may find it difficult to get life insurance coverage you can afford, if you can get approved.

In the past many life insurance companies viewed diabetes as a chronic condition that led to a shortened life expectancy.

Now, with the help of improved medication and education about how diabetics can manage their diabetes, things have changed.

Some life insurers are beginning to have a better understanding of the risks posed by diabetes, and have begun insuring the lives of people living with diabetes.

However, not all insurers offer life insurance to people with diabetes, and the rates can vary quite a bit between companies.

That's why it is very important to learn about your options for life insurance before choosing a plan.

One way to do this is to review articles, and compare plans and prices from several insurance companies.

Here's how you can learn more about Life Insurance for Diabetes.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.