I have Diabetes and won’t qualify for Life Insurance, right? Many people with Type I and Type II Diabetes Mellitus assume that they will not qualify for life insurance coverage. There is hope, depending on a few factors.

Do you think that because you have Diabetes you cannot qualify for Life Insurance? Many people with Type I and Type II Diabetes Mellitus assume that they will not qualify for life insurance coverage. There is hope, depending on a few factors.

Diabetes Mellitus, also known as DM, is a disease that affects how your body processes blood sugar. When not treated properly, it can lead to strokes and heart attacks. More seriously, it can cause blindness, paralysis and peripheral neuropathy.

There are many forms of Diabetes, but there are two common types: Type I and Type II. Both are manageable, but are seen very differently by underwriters when you apply for life insurance coverage.

Type I Diabetes is brought on early in life, usually around the age of 12 years old. It has been referred to previously as Juvenile Diabetes or Insulin-Dependent Diabetes. People suffering with Type I Diabetes have no beta cell production, which means they have no insulin. Due to this, they must take insulin shots.

Type II Diabetes comes at a later age, typically after the age of 30 years old. People suffering from Type II Diabetes typically have resistance to the insulin in their bodies, at various degrees. Type II Diabetes also affects overweight people of any age. Eighty percent of Type II Diabetics are excessively overweight or obese. Type II Diabetes can initially be treated with diet and exercise, which may control the blood glucose levels enough for the condition to be perfectly manageable.

Life Insurance coverage is not a deal breaker when it comes to Diabetes Mellitus, but there are several factors that an underwriter will consider, such as age at onset, number of years since diagnosis, control of the Diabetes and current complications. When the disease is not properly controlled, A1C levels may become elevated, which could cause a life insurance application to receive a higher rating, or even declined, if poorly controlled.

Shelly Alvarez Insurance is very knowledgeable about Life Insurance coverage for Diabetes Mellitus, and we work with carriers who specialize in this disease. If you or someone you know suffers from Diabetes Mellitus and would like to explore their Life Insurance options, contact us today.

For more information about Diabetes Mellitus, visit www.diabetes.org