Life insurers are likely to ask the following questions:
- When were you diagnosed?
- What medications do you take? Metformin, insulin, controlled by diet?
- How much time has passed since your last diabetes exam?
- If you have ever had hypoglycemic attacks? In this case, the more time has passed, the better the result.
- Have you ever had problems with your eyes as a result of diabetes? For example, Diabetic retinopathy.
- If you have ever had protein or albumin in your urine as a result of diabetes?
- Any numbness or sensation disturbance in your fingers, toes or feet?
- Ulcers on feet or legs?
- Your last HbA1c reading? (If this result is more than 1 year old, insurers may want to get a new reading before offering insurance coverage.)
Common complications with type 2 are:
- Increased blood pressure
- Increased cholesterol
These complications can cause some insurers to refuse insurance coverage or dramatically increase your premiums. No panic. You have time to explore other insurers or speak to an experienced broker who can help you get the best deal.
How to lower insurance premiums for type 2 diabetes
Type 2 diabetes is most often diagnosed in overweight people. Losing weight over time is an easy way to lower life insurance premiums.
High blood pressure (hypertension) and high cholesterol (hypercholesterolemia) are also common in patients with type 2 diabetes. Insurance companies often raise premiums when readings are high. However, if you are able to lower the readings to a “normal” level, life insurance premiums will decrease.
Smoking: Many life insurers reject you immediately if you suffer from diabetes and smoke. So if you, as a diabetic, are trying to get life insurance at a reasonable price, giving up the habit will make the process a lot easier.
Essentially, an insurer wants you to take care of yourself, stay healthy, and handle your condition carefully. If you can use historical records to show that this is the case, the impact on your premiums is much less.
Life insurance with type 2 diabetes
For more information, please call us on 01275 404268. Or request a quote for type 2 diabetes life insurance.
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