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How to get life insurance for diabetic patients in the USA

Diabetes mellitus is one of those diseases that currently have no cure. Modern medicine has reached a level that makes it possible to obtain long-term remission for this disease if the patient follows medical recommendations, takes the necessary medications, and controls the quality and timing of food intake. There is an opinion that with such a diagnosis it is impossible to obtain life insurance without overpaying the insurer in the USA. An article in US Expat Financial Planning publication talks about how to buy a life insurance policy.
How to get life insurance for diabetic patients in the USA

You need to be regularly visiting a doctor for a year and maintain an acceptable sugar level by recording this in the hospital card.

Insurance agents can help you find companies that offer life insurance for people with diabetes. They know particular programs or policies that are suitable for such cases.

There are alternative types of life insurance, such as investment or endowment insurance.

Generally, people with type 2 diabetes can qualify for life insurance unless their diabetes is combined with other medical conditions that together make them ineligible for coverage (such as heart disease). Type 2 is caused by chronically high blood sugar and is easier managed with measures such as diet and physical exercise.

Type 1, on the other hand, is an autoimmune reaction and usually appears early in life. This form is considered more difficult to control; therefore, unfortunately, insurers avoid insuring people with this diagnosis. If you do get insurance, you will pay a lot more for it. People with type 1 diabetes have a shorter life expectancy than those with type 2, which also results in a higher risk for life insurance companies.

Source: https://www.ramseysolutions.com/insurance/life-insurance-for-diabetics

Photos are from open sources.

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