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Calculate your cost
for health and life Insurance!
Get Rates & Plans Now
Or call today!
877-734-3884

How to Buy Life Insurance if You Are A Diabetics

Buying Life Insurance for Diabetics

What you apply for and where you apply makes ALL the difference! Don't take chances!

As a person with diabetes, you have more options than you might realize. Buying life insurance as a diabetic depends on several factors. The main factor depends entirely on your CONTROL of the condition. Are you taking your meds? Is your A1c reading in acceptable range? If the answer is yes, then congratulations, you have several options! If no, you still have options, just not as many. How and where you apply is key.

When buying life insurance with diabetes, you must:

  • Use a knowledgeable agent like us who understands the condition and how it affects the process of getting life coverage. This is an absolute MUST. This can be a challenge, as the vast majority of agents aren't trained to handle these cases. This is one of the main reasons so many cases are declined or postponed.
  • Take care of yourself. You're on a treatment regimen….stay on it!
  • Know when (and when NOT) to apply for a policy that requires a medical exam. Sometimes a medical exam can be a great way to get a lower premium. Other times, it may be THE REASON you're declined for ANY coverage at all! Sometimes it helps to take an exam and sometimes it actually HURTS! If your condition is well controlled, an exam is fine. If it's not under control, you’d be well-advised to go a different route. Again, your agent should be able to advise you.

Get something in place. If you don’t have anything in place now, don’t feel like you have to get all the insurance in place at one time. You may need to get some now and some later. We advise people all the time to “get what we know will issue now” and then, once in place, go for the rest. This takes the pressure off knowing that you have a policy in place!

2020 Schedule
Affordable Care Act Open Enrollment
November 1, 2019 Open Enrollment begins.
December 15, 2019 is the last day to enroll for 2020 on the federal facilitated marketplace.
January 1, 2020 Coverage starts.

2020 Schedule
Medicare Annual Enrollment Period
October 1, 2019 Pre-enrollment period starts. 2020 plans can be discussed.
October 15, 2019 Enrollment starts.
December 7, 2019 is the last day to enroll for a 2020 plan.
January 1, 2020 Coverage starts.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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877-734-3884