Do You Have Questions About Life Insurance For People With Diabetes
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Helpful Tips for Diabetics looking for Life Insurance
If you have diabetes and your condition is under control, you are most likely paying too much for your life insurance. The majority of life insurance carriers today are using old methods and old medical manuals when determining the risk for controlled diabetes. This old method of lumping all forms of diabetic risks into one group and underwriting the risk all the same way is not only narrow minded but it is wrong. YOU ARE MOST LIKELY BEING OVERCHARGED.
Finally, innovative life insurance companies have done their homework and have followed the healthy life styles of individuals with diabetes who are personally concerned about their condition and do all the right things to keep their blood sugar level under control:
We’ve found one carrier to offer an inovative approach to underwriting. This Life Insurance Company evaluates each risk individually and if they find that the individual has a history of taking care of themselves and the condition is under control they offer rates that are dramatically less expensive than the typical carrier writing life insurance.
Consider this:
Male Non-Smoker Age 45; Purchasing $500,000 of 20 Year Term Insurance. Condition: Diabetes Type I; taking 40 Units of Medication 2 times per day. Condition under good control
for last 12 months.
Rating by most Competitive Carrier
Premium: $2,055 per year.
Rating by New Innovative Carrier: Preferred
Premium: $1,330 per year for the same coverage.
That is a $725 SAVINGS per year and over the 20
Year term would save $14,500.
If you are currently paying for life insurance that has been rated because of your diabetes, or if you are in the market to buy life insurance but were afraid of the cost, now is the time to shop with innovative carriers.
| Just because you have diabetes doesn't mean you have to pay extra for
your life insurance. Click here for a free Life Quote for Diabetics. |
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