Being a diabetic does not necessarily mean that there is no affordable life insurance policy available for you. There are many factors affecting the cost of the premiums that you can expect to pay. Your age, the type of diabetes you have, the stage the diabetes is in, your height and weight ratio, and your general state of health.
If you have a good haemoglobin A1C this is a big plus for you.
What this briefly means is that a molecule of glucose sugar sticks to a molecule of haemoglobin part of your red blood cell. The higher the glucose levels, the higher the haemoglobin A1C is. This can indicate in a blood test what your average sugar levels have been in the past eight to twelve weeks. It indicates, in fact, how much your diabetes is under control. A normal person without diabetes typically averages between 3.5% and 5.5%. A diabetic with sugar levels well under control typically measures up to about 6.5%.
Your height and weight ratio gives you your BMI or body mass index. The way to calculate this is by dividing your weight in kilograms by your height in metres squared [or your weight in pounds by your height in inches squared]. The resulting figure gives you your BMI.
If this is below 18.5, then you are underweight.
Between 18.5 and 24.9, you are of normal weight.
If it is between 25 and 29.9, then you are overweight.
If it is above 30, then you are obese.
Your age plays a large part in the calculation of your life insurance premiums. Briefly, the older you were when you were diagnosed the better premium rate you are likely to be offered.
Then, of course, your general state of health plays a large role too. The more peripheral complications you have linked to diabetes the more complex and expensive your premiums are likely to be. These may be heart or kidney conditions, eye problems or blindness or anything else deemed to be linked to your diabetes. Even such factors as whether you are insulin dependent, or just receiving oral medication and assistance with dietary controls, play an important part in your assessment by the life insurance company.
If your diabetes is well under control and you have a good BMI and general health, you may not necessarily pay more for your premiums than someone without diabetes.
There are some companies that have more advantageous life insurance policies for Type I diabetes, while others may suit Type II diabetics better. Some life insurance companies have favourable terms for the younger diabetic, while others may have a better deal for older people.
You need to search well to see what all the different insurance companies have to offer you. You may have met up with other diabetics in support groups, diabetic health stores, or consulting rooms. Find out what their experience has been. Then, of course, you need to go online and see what the hundreds of different companies have that might suit you.
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