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If you have Type 2 diabetes, you may be wondering how it affects your ability to get life insurance coverage. In short: you have options.

You have some control over your life insurance coverage
Generally speaking, you can obtain coverage, assuming that your diabetes is well-managed and under control. There are a number of things you can do to manage your diabetes, giving a boost to your health and your life insurance prospects:

  • Follow your health care team’s instructions with regards to any diabetes medication you take
  • Maintain the diet that your health provider or dietician prescribes.
  • Maintain an active lifestyle and follow exercise regimens that you have discussed with your health care team.

Diabetes outcomes are not what they used to be
Improvements in diabetes treatment, technology and education are resulting in fewer complications related to Type 2 diabetes. According to one study published in 2017, vision impairment associated with the disease fell 19% over a 10-year period, while end-stage kidney failure fell 26%. On an even more encouraging note, many people with well-managed diabetes are now able to enjoy the same quality of life as those without.

What about the cost of life insurance for diabetes?
From a life insurance perspective, Type 2 diabetes is generally treated like other pre-existing conditions. Even when coverage is available, the cost of premiums is likely to be higher for someone living with the disease compared to a person with no serious medical issues. When determining whether to grant coverage, life insurers focus on the duration of your diabetes, other aspects of your health history and your A1C levels. A1C levels measure your average blood sugar combined with hemoglobin levels over a period of many weeks to give the best measure of control of diabetes, rather than a one-time blood glucose test. Your A1C levels demonstrate how well you’re managing your diabetes. Life insurance organizations also consider the results of other exam and test results.

Honesty is always the best policy when it comes to life insurance
If you have Type 2 diabetes, it’s essential to be truthful when applying for life insurance. There are many factors that go into determining approval and not disclosing the disease, or the extent of it, could result in your coverage being declined.

November is National Diabetes Awareness Month
Despite tremendous progress in diabetes clinical research, the condition continues to remain widespread in the United States. To promote greater awareness around this condition, the month of November is National Diabetes Awareness Month, a time to put a spotlight on the disease and while also celebrating the advances in research, treatment and education.

Foresters is committed to the well-being of people living with diabetes
As part of our ongoing commitment to the holistic well-being of Americans we’re making it easier than ever for people living with Type 2 diabetes to get life insurance coverage. Not only is it more accessible, it’s more affordable, too. Check out what Foresters life insurance products have to offer.1 And, if you want to know more, connect with an agent now. They’ll be able to help you find the best life insurance to suit your individual needs.

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1Insurability depends on answers to medical and other application questions and underwriting searches and review.

418075 US (11/19)

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