September 23rd, 2014 by J. Trip
It is estimated that, one in every 5 persons in America today is diabetic. This makes the number of persons suffering from this condition more than a million. Physicians consider diabetes as a life threatening condition especially if not watched over. This however does not mean a diabetic person cannot lead a normal life. This condition can however be controlled if the patient can take doctor prescriptions seriously, exercise, eat well and switch to a better lifestyle. Although simple requirements, adopting to these can help improve one’s condition greatly. Doing this also makes it much easier for insurance providers to find a custom-made life policy for such persons.
Insurance providers have a way of denying coverage on diabetic patients. They consider such patients as high risk and wouldn’t want to risk investing in them. Ensuring you are fit physically regardless of your condition can however convince the insurance providers to offer a cheaper, more affordable life policy.
Finding affordable life insurance coverage as a diabetic is almost always impossible. This is usually so for persons who do not care for their bodies, or do not take any medication to keep its effects at bay. It however doesn’t mean one cannot get an affordable cover. A little window-shopping for companies that offer life cover can land you to cheap life policies at affordable rates.
To qualify for cheaper life cover as a diabetic, you need to work on a healthy body by abstaining from drugs and risky lifestyles, shed off some weight if obese, and learn to keep sugar levels down. Following your doctor’s prescriptions on medication does play a pivotal factor as well.
The main key to finding cheap and affordable diabetic life insurance is keeping the condition in check. This involves exercising, taking your medication and working hand in hand with your physician. You can also find even cheaper rates in premiums by using an insurance agent. Some homework will however be required to help find and identify such providers.