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

Diabetic Life Insurance FAQ’s

01. What Is The Most Common Reason A Diabetic Is Declined For Coverage?

There are two: lack of control and applying to the wrong carrier. Both issues can be avoided with the right agent.

02. If There Are So Many Solutions Out There, Why Was I Declined Last Year?

Your agent might have unknowingly submitted your case to a carrier that doesn't take diabetics or applied to a carrier that you did not qualify for health-wise. We have very few declines because we know what is likely to issue before we ever send it in.

03. I Have Life Insurance Already. Why Should I Talk To You?

Because of widespread misconceptions in products and agent understanding, you may be paying more than you could or should be. We know where the best rates are and can quickly tell you whether the policy you have is a good deal compared to what we can do for you.

04. I Was Recently Told That I Cannot Get Coverage Because I Have Diabetes.

You were told wrong. This is pretty common. The person who told you that was probably trained that way. They may not know better.

05. Do Your Policies Have A Two Year Waiting Period?

In most cases, NO. Two year waiting periods apply to policies that are graded, modified or guaranteed issue. While we do offer those policies, the vast majority of what we offer does not require a 2-year wait.

06. Are These Guaranteed Issue Policies?

In most cases, NO. Most diabetics qualify for an immediate death benefit. We offer guaranteed issue products for clients with severe health issues but, happily, we don't have to resort to them very often.

07. I Heard That I Cannot Get Life Insurance Because I Take Insulin. Is This True?

No. This is a common misconception. Insulin use will not disqualify you in getting coverage from one of our specialty carriers.

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