Diabetes Life Insurance

It is said that an estimated 7-percent or 21 million people have diabetes and another 4 million having pre-diabetes. If you know you have diabetes that is somehow managed, and you want a diabetes life insurance to help you then you should consider these tips on how to secure yourself a diabetes life insurance.

Tips on applying for a diabetes life insurance

· Be certain that before you apply for a diabetes life insurance, you have substantial proof that your diabetes is managed. It is important that you show you can control your diabetes so you can find a wide array of life insurance policies available to you.

· Seek quotes from different insurers. Before deciding to go for a certain diabetes life insurance company, make sure you have explored other deals from other companies. It is better to gather as much options and choose which among the options is best for your condition.

· Because insurers primarily consider your blood sugar and hemoglobin count, it is best to show them a history of effective treatment like yearly eye exams, weight and blood pressure in normal ranges.

Diabetes life insurance companies know which class you fall in by analyzing your medical conditions and deciding which rating class you belong. Keep in mind that if you belong to a higher rating, the lower your premium will be. Typical rating classes are as follows:

· Super Preferred

· Preferred

· Standard

· Substandard

People with Type 1 diabetes will have a rough time finding good diabetes life insurance. If you have a Type 1 diabetes life insurance your best bet is finding a simplified issued policy so you can get a better life insurance deal.

If you have Type 2 diabetes, you will most likely belong to the standard rating class which means you have better luck with a diabetes life insurance than people having Type 1 because yours can easily be treated with diet, exercise, and oral medications.

Securing a diabetes life insurance is hard. That is why when you finally managed to secure one, make sure you get the most outof it by taking care of yourself properly.

At Special Risk Managers, their sole focus is obtaining life insurance for people with a serious medical condition; people who are often considered uninsurable. They offer this specialised service through an exclusive arrangement with an international reinsurance company.

Their life insurance clients include people with life-threatening illnesses such as cancer, stroke or heart attack and people with chronic illnesses such as diabetes, Multiple Sclerosis, epilepsy or Crohn's Disease.