Affordable Life Insurance for Diabetics

Affordable Life Insurance for Diabetics -More than 8% of the population of the United States has some form of diabetes. Most diabetics think they are not insurable, that could not be further from the truth. Diabetics can find affordable life insurance, particularly those who control their blood sugar well with diet or oral medications. If you have been diagnosed with late-onset diabetes (after age 50), you may well qualify for affordable rates "above average".So how the life insurance rate the impact of diabetes? The healthier you are the higher the cost of your life insurance. With diabetes, many factors affect your rates. The newest, the best diagnosis, in that, in the long term, sugar drugs in the blood harm our bodies. So, a person with 65 years with the late-onset diabetes is less of a risk for life insurance companies to ensure that 35 years who was diagnosed in adolescence.

If you are consistent with your doctor, rates are generally affordable.

The type of diabetic medications also takes the impact of rates. A type II diabetic taking only oral medication is less of a risk that a diabetic type I insulin. And diabetics control their blood sugar with diet are less of a risk than the other two. Life insurance for diabetics is ultimately like any other health problem: If you are consistent with your doctor, rates are generally affordable. The key is always good control and follow doctors' orders.The following is a list of health conditions that make it difficult for diabetics to qualify for affordable rates.

• history of heart disease
• Uncontrolled high blood pressure and / or cholesterol
• using nicotine
• Kidney disease
• vascular diseases or stroke
• neuropathy your limbs or extremities

above the average life insurance rates are available for diabetics that:

• Control blood sugar well with diet and / or medication
• Having the fasting blood glucose less than 100
• you have numbers A1C in 6s ie 6.1 ...
• If the late onset diabetes diagnosed after the age of 50.

If you are diabetic and looking 'life insurance, make sure you work with a life insurance agent who can look at different companies and help you to "shop around" for the most affordable life insurance rates for your condition. When speaking with an agent, be ready with the details of your health history. The agent is on your team and there to help you get the best rate possible, so that honesty is the best policy.Remember, if you take care of your health, then an agent can take care of you find affordable life insurance rates.