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Can I get life insurance if I have Diabetes ?

by Cathy Luzmore

For those who suffer from diabetes, help is at hand if you are looking for life insurance. The team at Life Insurance Help are experts, and specialise in finding life insurance for diabetics.

When underwriters at a life insurance company look at applications for life insurance for diabetics, they look at a number of key factors to determine whether they can offer cover, and how much they will need to charge. Invariably if you have a pre-existing medical condition, you will be charged more for life insurance than someone in perfect health. There are a number of variables which will affect how much your life insurance premium will be, and so we will look at these in a bit more detail.

Firstly, the underwriters will want to know whether it is type 1 diabetes or type 2 diabetes, what your current and recent HbA1C or blood sugar level readings are, and what medication you are on (if any). These readings allow them to assess how well your diabetes is being controlled. If you take insulin, they will also want to know how often you take a blood glucose level reading.

The life insurance company will consider at what age you were when you were first diagnosed with diabetes. If you were relatively young when you were diagnosed, the insurer will consider this an additional weighting factor on your premium. They will also look at whether or not you are a smoker.

Other factors which can have a impact on your life insurance premium are if you are have been diagnosed with high cholesterol or high blood pressure, and if you have a higher than usual body mass index (BMI).

At Life Insurance Help we do all this work for you. We talk to you about your diabetes, and then discuss your case directly with the underwriters at all of the main insurance companies, including some specialist ones, to see what life insurance premium you are likely to be charged. We will then feed back to you on the sort of premiums you will expect to pay, and you can decide if you would like to take things further. We help people with diabetes get life insurance all the time, so you can rest assured you are talking to experts.

Things do however become more complicated if you have diabetes and have suffered a heart attack, angina, stroke or some sort of heart condition. The combination of these factors mean that mainstream insurers are usually unable to offer life cover. We do however have a specialist life insurer who can offer life insurance to people who have had a heart attack and suffer from diabetes. The fact that it is only a specialist insurer who will offer such cover means that the premiums can be on the high side, but at least you will have the peace of mind knowing that you have some life insurance in place should the worst happen.

Whatever your life insurance needs, we are at the end of the phone to help you find the life cover you need. Just call us on 020 33 55 4831 and one of our friendly team will be more than happy to help.


 
 
 
Published : 24th September 2013  
     
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Platinum Financial Consulting
The Old School House, East End Road
Bradwell-on-Sea, Essex, CM0 7PY


Telephone : 020 33 55 4831               Fax : 0871 277 1422          Email : help@platinumifa.co.uk

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