Life Insurance Underwriting Solutions for Diabetics
Competitive Life Insurance for Diabetics
Type 1 Diabetics diagnosed as very young children can now often qualify for life insurance at pricing just above standard rates.
Mature Type 2 diabetics with good control increasingly qualify for standard – sometimes preferred – life insurance rates.
Have you had difficulty qualifying a diabetic applicant for life insurance? Let’s take another look!
Let's connect to strategize on behalf of your diabetic clients!
Meet Jennifer
Jennifer, F, 52, dentist, needs $2M 30 year level term life insurance
Type 1 diabetic diagnosed at age 2 - 50 years ago!
A1c readings have been around 6.5 in recent years
Good build, exercises regularly, two diabetic checkups per year
Offer from highly rated brand name life insurer: Table 2 (50% above standard rates)
Meet John
Hunter, M, 28, needs $1M 25 year level term insurance
Type 1 diabetic diagnosed at age 11
A1c readings around 7
Good build, no complications
Life insurance offer from top rated carrier: Table 4
Meet Kayla
Kayla, F, 23, needs $1M permanent life insurance
Diagnosed with Type 1 diabetes at age 12
Recent A1cs in high 7s to 8.1
Build 5'8" 163lb, stable
Highly rated brand name insurer offered Table 4
Meet Bob
Bob, M, 65, looking for $3M permanent insurance
Diagnosed with Type 2 diabetes 5 years ago
Controls his diabetes with exercise, diet, and metformin
A1c readings have been just under 7, consistently
Takes meds to control blood pressure, cholesterol, and acid reflux
Top rated insurer offed preferred non-tobacco premiums
You & Your Clients Can Benefit – Starting Today!
Several highly rated brand name life insurers have developed specialized expertise in underwriting applicants with diabetes. Unfortunately, there is no one best insurer for all applicants. Carrier selection is key!
The smartest way to underwrite diabetic applicants requires the gathering of a few key variables in advance of a formal application. Our underwriters will use that information to negotiate best possible underwriting assessment from our industry’s leading insurers that want to place coverage on diabetics and offer aggressive pricing.
When you are working with diabetic clients who need life insurance, let survey the market, identify our industry’s top options, and then make it super easy for you to place coverage with minimal effort on your part. Begin to experience The CPS Advantage today!
