Many diabetics fear that affordable life insurance is out of reach. But, there is Life insurance for diabetics and it is affordable. It simply takes an agent skilled in insuring people with preexisting conditions to get you the best policy at the best price.
It happens every day; a person walks into a doctor’s office expecting to need a new prescription to cure what ail them and instead hear a diagnosis that is life changing. It’s scary uncertain time and even if their illness is not immediately life threatening the full consequences of the diagnosis slowly come to light. Oddly enough, we get telephone calls almost every month from a person who just had such an experience and then asks; is their life insurance for diabetics?
We come across cases like this relatively often. Usually it comes in the form of a phone call from a potential client who has been putting off buying life insurance for years. Then, with a recent diagnosis of Diabetes, or an autoimmune disease or cancer they are suddenly faced with their own mortality and the need to financially support their family or provide for final expenses becomes a reality they can no longer deny. But, take comfort in knowing there is life insurance for diabetics.
Often, people diagnosed with diabetes or other chronic illnesses are of the opinion that they can no longer get or afford insurance. That is not true. However, it takes working with an agent who is knowledgeable and trained in insuring people with pre-existing conditions in order to find affordable life insurance coverage. Life insurance for diabetics is not as expensive as many fear.
Here is the key; every life insurance company has their own individual underwriting guidelines based on both their business philosophy and their claims experience. Some insurers, for example, see the presence of disease like diabetes as a high risk. Others don’t view the presence of a disease like diabetes as a high risk unless it is not being controlled. Another way to look at it is this; modern medicine has allowed us to live longer lives even after experiencing chronic and critical diseases. Some insurers consider the positive impacts of modern medicine, other insurance companies simply wish to avoid the risk of insuring people with any history of major health issues. For the life insurance agent, knowing which companies to turn to, what information their underwriters require and the desire to complete the extra footwork necessary for these types of policies is imperative to serving the client with a pre-existing condition. It takes a skilled agent to get the best life insurance for diabetics.
If you are diabetic, have an autoimmune disease or recently had cancer and are interested in providing your family the financial support that life insurance offers, be prepared to answer a lot of questions about how you and your doctor are managing your condition. However, getting life insurance for diabetics is not as difficult as some believe.
Some of the questions will include; how long ago were you diagnosed? What kind of medications and amounts are prescribed to manage your condition? Have you had any complications? What is your current height and weight?
If you are a diabetic; are you a Type 1 or Type 2? What is your A1C? If you had cancer, what type? How long ago? How was it treated? Was there any metastasis or lymph node involvement?
The process of purchasing life insurance for diabetics and those with pre-existing conditions is one that requires the service of an agent experienced and knowledgeable in this specialized niche. Most insurance agents either turn this potential business away, or do an even greater disservice of offering a product that cost much more than is necessary.
If you have diabetes a chronic illness or had cancer and are interested in providing for your loved ones when you pass on please contact us. Either send us an email firstname.lastname@example.org or call us at 1-800-847-9680 ext. 01. We understand your needs and your concerns and are willing to go the extra mile so that you can have the peace of mind and security of a life insurance policy for your loved ones. We have been in the financial services arena since 1984 and have the knowledge and experience it takes to find a solution to your needs.
At Shield Insurance Solutions our goal is to find the best insurance company and policy for you. We specialize in living benefit life insurance, life insurance for diabetics and other pre-existing conditions along with Medicare Supplement insurance, mortgage protection insurance and final expense insurance. We work with nearly 100 different insurance companies in order to find the right policy at the right value for you. Our process is transparent and have been in the financial services industry since 1984. Our life products include Whole Life, Universal Life and Term Insurance. As independent agents, we work hard to find the best life insurance company for you, with the best life insurance rates and value. We are based in Jupiter and Palm Beach Florida and licensed in almost every state including Virginia, Maryland, Oklahoma, Indiana, Pennsylvania, Alabama, Flordia and expanding. If you are shopping for a life insurance quote, we can show you what many of the top insurance companies will offer. The price differences will amaze you.
Visit www.ShieldInsuranceSolutions.com to get a free life insurance quote comparison from our pre-exisitng condition specialist call us at (800) 847-9680 or complete this brief Online Quote Request.