Often asked: Life Insurance When You Have Diabetes?

You can purchase life insurance if you have diabetes. However, your coverage options may be limited, and a policy will likely cost more since insurers will consider you higher risk.

Can you qualify for life insurance if you have diabetes?

Yes, many people with diabetes can qualify for life insurance. For people with well-managed conditions who are generally healthy, it’s even possible to find affordable life insurance for diabetics.

Can I get life insurance with diabetes and high blood pressure?

Absolutely! The biggest concerns regarding life insurance for people with type 1 or type 2 diabetes are whether the disease has been controlled for the past 6 to 12 months and if you have any other adverse conditions, such as heart disease, tobacco use, obesity, or high blood pressure.

Can you be denied life insurance if you have diabetes?

Since it is often diagnosed in adulthood, you’re more likely to be viewed favorably by insurers. So long as you’re otherwise healthy and haven’t had complications, having Type 2 diabetes shouldn’t prevent you from getting a policy, although it will affect your life insurance rating and increase how much you pay.

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Can someone with Type 2 diabetes get life insurance?

Yes – in most cases, you can still get life insurance if you have diabetes. Whether you’ve been diagnosed with Type 1 or Type 2 diabetes, there are plenty of providers who should be able to offer you a great deal on insurance.

What is Type 2 and Type 1 diabetes?

People with type 1 diabetes don’t produce insulin. You can think of it as not having a key. People with type 2 diabetes don’t respond to insulin as well as they should and later in the disease often don’t make enough insulin. You can think of it as having a broken key.

Is Prudential a good insurance company?

Best Overall Prudential Prudential was chosen as the best life insurance company overall based on the company history dating back to 1873, the broad selection of policies available, and excellent ratings for financial strength.

Does Anthem insurance cover diabetic supplies?

Covered lancets: A limit of 100 lancets per month. As a reminder, continuing in 2017, all of our individual Medicare Advantage plans will only cover specific brands of glucometers and test strips. Our plans will not cover them when purchased from In-network Durable Medical Equipment (DME) providers.

Is hypertension covered in life insurance?

High blood pressure that is well controlled, usually around 140/80, it’s quite likely that you will be able to get life insurance at normal terms. If your blood pressure is higher than this, please don’t worry. It doesn’t necessarily mean that the cost of the life insurance has to get silly expensive.

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What is the life expectancy of a diabetic?

The combined diabetic life expectancy is 74.64 years —comparable to the life expectancy in the general population.

Do you have to tell insurance about diabetes?

Anyone with diabetes should inform their insurance company that they have diabetes and of any change in either your condition or treatment.

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