Tips for Lower Life Insurance Rates for Diabetics

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How Someone With Diabetes Can Get the Best Life
Insurance Rates
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• There are a number of factors that affect what
  type of life insurance, as well as what type of
  rates a person with diabetes can get.

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FACTORS THAT AFFECT DIABETES LIFE INSURANCE

• What type of diabetes you have. If you have type
  1 diabetes, your rates will generally be higher
  than someone who is a type 2 diabetic.
• The age when you were diagnosed. If you were very
  young, even a baby or toddler, your rates will be
  higher than someone who was diagnosed later in
  life. If you were diagnosed after age seventy
  then there are companies where your diabetes
  wont affect your rates much at all.

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FACTORS THAT AFFECT DIABETES LIFE INSURANCE

• Your medical regimen. Do you use insulin or just
  oral meds? Do you manage your blood sugar with
  diet alone?
• Your overall health. Do you exercise regularly
  and do you eat a healthy, balanced diet. Are you
  smoker or do you drink excessively? Do you have
  any complications from your diabetes?

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A1C

• A1C The Biggest Factor Affecting Life Insurance
  for a Diabetic
• The biggest of all the factors for life insurance
  for diabetic is your blood sugar control, which
  is measured by your a1c.

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A1C Test Tells Your History

• This test provides an accurate indicator of how
  well you have managed your blood sugar levels
  over the previous 3 months.

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A1C Levels High or Low?

• Anything under 7.0 is viewed as excellent
  control.
• An a1c is the 7.0 to 8.5 is considered
  to be average.
• The range of 8.6 to 10 is poor.
• Anything over 10.0 is considered out of control
  and will hinder you from getting a traditional
  life insurance policy.

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Is Your A1C Stable?

• When underwriters look at your a1c they will also
  check to see if it is stable.
• Even if it is a little high, if the numbers have
  been stable, thats better than a1cs that are up
  and down.

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Good Control

• If you control your diabetes by diet alone you
  may get a lower rate, but overall control is most
  important.
• Remember - The biggest thing is good control!

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What Type of Policy?

• What type of policy should a diabetic person get?
  The wisest decision is to go for as long of a
  coverage option as you can.
• Diabetes is not generally going to go away or
  improve with time, so lock in the best rate you
  can now. If your health does improve and your a1c
  goes down, you can always reapply for a lower
  rate.

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www.Insurance4Diabetics.com

• Finally, use a specialist to obtain life
  insurance if you have diabetes.
• www.Insurance4Diabetics.com has access to rates
  from 50 different companies and we know which
  ones are the best for diabetics.
• We know which one is best for type 1, type 2, for
  those over 50, under 50, and more.

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Compare Rates Today

• Get a free quote online at
• www.Insurance4Diabetics.com or call 877-801-4402
  to speak to a live agent.