Can you buy life insurance if you have Type I or Type II diabetes? Absolutely! If you’re a diabetic, there are three important pieces of information to have ready in order to find the best insurance quotes and rates:

  1. Your current height and weight.
  2. Recent hemoglobin A1C test results and averages.
  3. Your age. You’ll get better rates the older you were when you were diagnosed with diabetes.

Whether you are a Type 1 or Type 2 Diabetic, there are life insurance companies that may provide good rates.

Some insurance companies provide better rates for younger diabetics and others specialize in providing good rates for older diabetics. Companies even provide different rates based on whether you take oral medications, or if you’re insulin dependent.

If you have diabetes complications like neuropathy, blindness, or kidney disease, you’ll definitely want a specialist like Pennington Life Insurance Services to help you find a company that will insure you..

Control of your diabetes is the key to good life insurance rates

The key to buying affordable life insurance if you have diabetes is how well you have it under control. If you visit your doctor regularly, take your medications and are responding well to your treatments, we’ll have an easier time finding a company (or companies) that will offer you coverage.

Insurers will look at your blood-sugar levels and your hemoglobin A1C counts to help them decide how well you’re responding to your treatment. A1C levels are considered normal for non-diabetics when they are under 6. If you have diabetes and your A1C levels are between 6 and 7, it generally means you have good control of your diabetes. Under these conditions, you may be find policies with “standard” rates.

If A1C levels are between 10 and 12, you will likely be offered a more expensive policy. If an insurer finds that the person applying for a life insurance policy has A1C levels that are over 12, it may be difficult to find a policy until you get better control of the blood sugar levels.

The best strategy for finding a policy

Your best strategy is to show a history of effective treatment. This includes:

  • yearly eye exams
  • weight management
  • normal blood pressure ranges

There’s no guarantee that we can find every diabetic the life insurance they need at a price they can afford. But if you are keeping your diabetes in check with a proper diet, and watching your weight, you might be surprised at the quotes we provide.

Let Jeff Pennington help you put together an insurance program that’s right for you. Call him today at 1-877-221-6198 to discuss your needs and get a selection of life insurance quotes for your situation. Jeff can answer all of your insurance questions and will provide friendly personal advice.