Can you be denied life insurance for diabetes?

However, many medical conditions, including diabetes, do not automatically disqualify a person for insurance coverage. In most cases, people with diabetes can still get life insurance; they may have to pay more than a person without a preexisting condition.

Can diabetics get life cover?

Yes, most insurers offer life insurance for people with diabetes. If you’ve been diagnosed with Type 1 or Type 2 diabetes, you should tell the insurer during the application. They’ll use this information to help calculate your quote. People with diabetes often pay more for life insurance.

Can people with diabetes and high blood pressure get life insurance?

The short answer is yes; people who have diabetes can get life insurance coverage. However, the specifics of your diagnosis and condition will impact how much you pay. If your diabetes is well-controlled and you are otherwise healthy, your premium may not be that much higher than it would for someone without diabetes.

Do you have to tell insurance about diabetes?

Anyone with diabetes should inform their insurance company that they have diabetes and of any change in either your condition or treatment.

Can you get life insurance if you have bad health?

That being said, it is difficult, if not impossible, to qualify for life insurance if you’re in poor health or have been diagnosed with a terminal illness. Heart disease, cancer, diabetes and many other diseases or conditions that typically arise later in life can make someone uninsurable.

Can I be denied life insurance because of a pre-existing condition?

What is a pre-existing condition? A pre-existing condition is a medical condition that has been diagnosed prior to starting insurance coverage. While health insurance companies can no longer refuse to cover treatment or raise rates for pre-existing conditions, no such law exists for life insurance carriers.

Can I buy life insurance if I am a diabetic?

It is very possible to get life insurance if you have diabetes. Affordable life insurance is very likely available to you, especially if your diabetes is under control; you can usually get affordable rates if you respond well to treatment and lead a healthy lifestyle. Even if that is not the case, there are still ways to find the coverage you need.

Can life insurance cost more if you have diabetes?

Having diabetes may raise the cost of your life insurance policy depending on your age, type of diabetes and severity. It’s possible – and more affordable than you’d think – to get life insurance coverage if you have diabetes, especially if it’s well-managed

How does Your Diabetes affect your life insurance?

Poor control over their diabetes or poor compliance with treatment

Had a diabetic coma

Nerve damage

High blood pressure

Peripheral vascular disease (meaning problems with reduced blood circulation to somewhere in your body)

Amputation or gangrene

Liver damage or excess alcohol consumption

Excess protein in their urine

Can being pre-diabetic stop you from getting life insurance?

To qualify for life insurance as a pre-diabetic, the first thing a life insurance underwriter will look at is your A1C score with the range of 5.4\% to 6.4\% being generally acceptable and no issues getting a life insurance policy generally encountered.