Feb 10 2019

Affordable Life Insurance for Diabetics, Life Happens, affordable life insurance companies. #Affordable #life #insurance #companies

Affordable Life Insurance for Diabetics

Over 8% of the U.S. population has some form of diabetes. Most diabeticsAffordable life insurance companies think they aren’t insurable, which couldn’t be further from the truth. Diabetics can find affordable life insurance, especially those who control their blood sugars well with diet or oral medications. If you were diagnosed with late onset diabetes (after the age of 50) you very well could qualify for affordable “above average” rates.

So, how does diabetes impact life insurance rates? The healthier you are the lower the cost of your life insurance. With diabetes, many factors impact your rates. The more recent the diagnosis the better, in that, over the long term, blood sugar medications harm our bodies. So someone diagnosed at age 65 with late onset diabetes is less of a risk for life insurance companies to insure than a 35-year-old who was diagnosed during adolescence.

If you are compliant with your doctor, rates are usually affordable.

The type of medications a diabetic takes also impact rates. A type II diabetic taking only oral medications is less of a risk than a type I diabetic taking insulin. And diabetics controlling their blood sugars with diet are even less of a risk than the other two. Life insurance for diabetics is ultimately like any other health concern: If you are compliant with your doctor, rates are usually affordable. The key is always good control and following doctors’ orders.

The following is a list of health conditions that make it tough for diabetics to qualify for affordable rates.

  • History of heart disease
  • Uncontrolled high blood pressure and/or cholesterol
  • Nicotine use
  • Kidney disease
  • Vascular disease and or strokes
  • Neuropathy in your limbs or extremities

Above average life insurance rates are available for diabetics who:

  • Control their blood sugars well with diet and/or medication
  • Have fasting blood sugars under 100
  • Have A1C numbers in the 6s ie… 6.1
  • Had late onset diabetes diagnosed after age 50.

If you are diabetic and looking for life insurance, be sure that you work with a life insurance agent who can look at various companies and help you “shop” for the most affordable life insurance rates for your condition. When speaking with an agent, be prepared with details of your health history. The agent is on your team and there to help you get the best possible rate, so honesty is the best policy.

Remember, if you take care of your health, then an agent can take care of finding you affordable rates for life insurance.

Affordable life insurance companies

by Sam Goldsmith

Sam Goldsmith is the principal broker of Goldsmith Insurance Agency, an independent life insurance agency in Denver. He has helped thousands of consumers all over the country—including diabetics—find affordable life insurance with the best-rated companies. He can be contacted at 877-400-0484 or through his website at

Looking for affordable life insurance for people with different types if health issues.

We are looking for affordable life insurance for a family of 4. My husband is retired from the military and he and I are both disabled vets, however, he has type 2 Diabetes, and HBP that is controlled with medication. He is 44 years old, 195 lbs. and 5 10 .

I am 48, 198 lbs, 5 5 with no heart disease, diabetes, etc.

I have our 18 year old with no medical issues

and a 9 yr old son that is deaf and wears bi-lateral cochlear implants.

Appreciate your assistance. Thank you

Please call me 877-400-0484

Iam looking for life insurance policy i have diabetes type 2 and hbp .

Hi Ruthie I would be glad to speak with you or anyone with diabetes and who needs help with life insurance.

Goldsmith Insurance Agency

3700 Quebec Street # 100-354, Denver CO 80207

877-400-0484 phone fax

I m looking for life insurance for my 18 year old son that has diabetes. Do anyone know of any company that accept clients with diabetes?

just go to

Yes diabeteslifesolutions Helped me with my son he has type 1

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