Many people are aware of the fact that the best life insurance rates are offered to healthy individuals with few risk factors indicated in their lifestyle. This fact can seem discouraging to the growing number of Americans who suffer from Type 1 or Type 2 diabetes. These individuals number 30.3 million in the United States. Fortunately, many options exist to help applicants with diabetes get the coverage they need. If you suffer from diabetes, you’ll want to understand the dangers and implications of this risk factor so that you can take the right steps to get adequate and affordable life insurance coverage.
Having diabetes may increase your rates moderately, but proper management can help you minimize the overall impact that your condition has on your plan. Health IQ’s research indicates that many individuals aren’t fully educated on their options for getting insured with this condition. Only 16 percent of respondents understood how qualification factors would differ between term life insurance and whole life insurance for applicants with diabetes. About 57 percent of respondents knew what to do if they were denied coverage due to Type 1 or Type 2 diabetes.
Don’t give up on finding a life insurance policy. Health IQ.com offers some in-depth FAQs to help answer your questions about the life insurance application process and assist you in finding the best rates for your circumstances. Take a Health IQ quiz on how diabetes impacts life insurance, then reach out to Health IQ to explore how having the right life insurance agency on your side can help with all your coverage needs.
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