I am a diabetic, can I purchase life insurance?

Given the nature of the life insurance business - determining a client´s life expectancy based on their health, lifestyle and family history--- diabetes is one of those medical conditions that will likely result in higher premiums. However, this premium can vary greatly depending on how well you control your disease and if you shop around for the best rates.

The factors that can influence rate increases are age of onset of the diabetes, type of medication or diet used for blood glucose control, weight, lifestyle and your history of complications from diabetes or other medical conditions. The better you can improve in each of these areas the less likely diabetes will play a major role in increasing your rates.

Generally speaking, diabetics whose disease is well under control with medication and lifestyle changes and who have good medical follow-up care can get competitive life insurance rates. Contact LifeQuote and we will obtain preliminary life insurance quotes for your special needs from the most competitive companies.

The procedure is simple. No exam is required for an initial quote; medical records and information can be sent confidentially from your doctor to the life insurance companies, where LifeQuote can obtain preliminary quotes from various companies. Surprisingly, the best offers often come from the biggest and best-known life insurance companies. These cases require special handling so you will want to call a licensed agent at LifeQuote directly at 1-800-521-7873.

The final decision to offer coverage is from the life insurance company, based upon completion of your medical requirements. Underwriting requirements vary by company. A preliminary quote is not a guarantee or offer of coverage.