Underwriting Diabetics
Carrier Selection is Key to Underwriting Success
Most Important Underwriting Variables:
- Diabetes Type: I or II
- Age at diagnosis
- Level of control as indicated by recent A1c readings
- Use of medications or insulin (need details)
- Nerve damage (neuropathy)
- Kidney damage (nephropathy)
- Eye damage (retinopathy)
- Other complications
- Build (height / weight… and change in past 12 months)
- Frequency of medical checkup
