Life Insurance with Pre-Diabetes

Life Insurance

If you have been diagnosed with pre-diabetes, it is still possible for you to obtain life insurance. However, you will find that some providers are better than others in terms of providing life insurance cover. Pre-diabetes life insurance works very similarly to type 2 diabetes life insurance.

There are a few things that insurers may need to know when you apply for life insurance, these include:

1. Date of diagnosis
2. Hba1c reading
3. Blood pressure
4. Cholesterol level
5. Height / Weight (BMI)
6. Any other medical / health issues

If you’ve been diagnosed with pre-diabetes and want Life Insurance, there are certain factors to think about. Additional information may be needed for your pre-diabetes life insurance application. This could range from a medical screening, medical exam, GP Report, or telephone medical based on severity and insurance provider.

For certain less severe cases, online acceptance is now an option in recent years. These improvements are due to medical advances and enhancements in life insurance underwriting for pre-diabetes.

Critical Illness

Pre-diabetes critical illness cover has been recently reintroduced. It is currently only accessible through a limited number of insurance companies.

Certain providers may offer pre-diabetes critical illness cover without any medical exclusions. Expect a higher premium, and some policies may include critical illness cover with specific exclusions like cardiovascular-related conditions.

Many applications for pre-diabetes critical illness cover will necessitate medical information. This may involve a medical screening, GP Report, or a telephone medical appointment to assist with your application.

Factors that could lead to the rejection of your pre-diabetes critical illness cover application include:

1. Hba1c levels exceed 8, indicating high readings of blood sugar levels.
2. Diabetes complications (e.g. Retinopathy, Nephropathy or Neuropathy)
3. Smoker
4. Elevated blood pressure or cholesterol levels

Income Protection

It is possible to obtain income protection for pre-diabetes, and we do accept a small number of applications. Underwriting is comparable to critical illness cover. In every situation, we observe a significant premium cost and certain policies are provided with medical exclusions. This is comparable to underwriting critical illness cover as well.

Income protection for Pre-diabetes requires individuals to have no Diabetes related complications, controlled Hba1c levels, and be non-smokers.