Diabetics In Boise - Can You Find Affordable Life Insurance Coverage? 

Hi Boise.

It's Chris with Boise Life and Health Insurance Agency.

Hey, today we're gonna be talking about diabetes and life insurance.

So a lot of people with diabetes are, well, there, that the impression that they can't get insurance, which it's not the case. There are policies out there. There are some guaranteed issue policies.

But, you have to be a certain age to get one of those, typically 55 up. That's more of a final expense policy. 

But also, you can get traditional type policies, term line or permanent with diabetes.

The thing that you have to just think about and maybe take some comfort in is that the big thing that underwriters are looking for is you being compliant with what your doctors telling you to do to manage your diabetes.

They want to see that you know, you're testing you A one sees and your blood sugar levels. They want to make sure you're height and weight. It isn't.

Check where that your, uh, least trying to control what you can with diet tobacco is a no, no, uh, to be quite honest, that's very much frowned upon with diabetics.

Ok, anyway, a couple of things that we can do here in what they want to know is when you were first diagnosed.

First, how often you see your doctor? That's a big one. They just want to make sure that you're taking care of yourself is a big thing.

The life insurance industry has come a long way over the years with mortality rates because we have such great health care here in the States, people are just living on.

So the life insurance companies can rate you probably based upon your life expectancy, even with health issues.

And anyway, they want to know also, are you are controlled with diet alone or guy it medication if you're on intimate or oral meds?

Um, yet, like I said in your most recent blood shirt, blood sugar readings. And if you're monitoring your blood sugar, uh, they want to know, of course, of your H a one C levels.

And, uh, if there's any other correlating health issue that's usually not good, like if you have heart issues, um, if you have any, you know, kidney disease, high blood pressure, you know, you just have to we just have to consider that.

So when two things are going on with diabetes, they don't like that. But what we can do is I'm gonna have in the blog posted on the website.

You're going to see a questionnaire that you can fill out, send back to us here at the office or just give us a call and I can take the information over the phone.

And we can do what's called a preliminary inquiry with multiple life insurance companies to try and get you the best rate. And we do that without you happen to go through an exam, blood, and urine or an application process.

So it's just called a preliminary inquiry. We do it all the time.