If you are a type 2 diabetic researching life insurance policies, it is important to educate yourself about how your health will affect the type of policy you can get and the rate you’ll pay. High rates, rejection, and invasive medical exams and questions are some of the concerns of type 2 diabetics who are shopping for life insurance.For a very long time, type 2 diabetes put up a block to getting affordable life insurance. It is interesting because type 2 diabetes is one of the fastest growing health issues in America with 26 million people diagnosed, and millions more with symptoms of pre-diabetes. With those kinds of statistics, insurance companies can’t afford to ignore diabetics as a potential market. So insurance underwriters are becoming more and more familiar with diabetes and its effect on morality and your health overall.Fortunately, the insurance market has changed a great deal. There are many “diabetic friendly” companies that offer reasonable rates. There is even a company that now offers 
When you apply for life insurance coverage, the insurance agents are going to look at a variety of different factors to determine how much of a risk you are to insure. The more risk that you are, the more they are going to charge you for insurance coverage. If you’re too great of a risk, then the company could decline your application.
Life insurance underwriters are employed to assess the risk that you pose to a company. “Risk” means the likelihood that your policy will have to pay out, and since diabetics have a much higher chance of developing long-term health complications, like heart disease, neuropathy, and kidney failure, insurance underwriters automatically label your application as risky. Continue Reading
