Jun 12, 2014

Posted by Shanell Calloway in Insurance | Comments Off on Diabetes and Life Insurance Milwaukee WI

Diabetes and Life Insurance Milwaukee WI

Many diabetics in the Milwaukee area believe it is impossible to find an insurer to approve a life insurance policy for themselves. This is not a good assumption to make. It is true that diabetics will pay more than those with no health problems. It is also true that diabetics will have additional difficulties in getting through medical underwriting. Fortunately, there are insurers who are willing to approve diabetics for Life Insurance Milwaukee WI. It can be helpful for diabetics looking for life insurance to work with the folks at www.theinsuranceofficewi.com in order to get coverage.

First of all, applicants who have diabetes need to choose companies that are willing to insure diabetics. Insurance brokers and agents usually have relationships with many different companies. Insurers publish guidelines on who may be acceptable for life insurance coverage. These guidelines are used to help agents and brokers determine whether or not the client has any chance of being approved with specific medical conditions. That is why upfront disclosure about medical conditions is very helpful in determining which insurers to deal with. Keep in mind that withholding known medical conditions from insurers may be considered insurance fraud. The best thing to do is to be honest.

At the same time, insurers who sell Life Insurance Milwaukee WI do not want to accept diabetics who have poor control over their blood sugar levels. Those who have uncontrolled high blood sugar for years may end up dying much earlier. In the meantime, they may suffer severe complications such as amputation of the legs. Insurers cannot stay in business if they approve policies to those that are likely to die much sooner than usual. That is why it is important for diabetics to maintain good health and to maintain good control over their blood sugar levels. During the life insurance application process, the insurer will want to review the applicant’s medical records. In addition, the insurer will want a sample of the applicant’s blood to test for high blood sugar. Diabetics who are planning to apply for life insurance need to maintain good control of their blood glucose levels. Those that don’t have good control should work with their physicians on improving blood sugar levels prior to applying for life insurance. Contact The Insurance Office today.

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