While your age when you were initially diagnosed with diabetes is not something you can change and will have an impact on the rate for which you qualify, there is one very important thing you can do to ensure that you’ll get the best life insurance rate possible.
First thing to do as soon as you’re considering purchasing life insurance is to get strict about your diet.
This is a great strategy to help every diabetic to get the best life insurance rate.
A Strict Diet Can Save You Money!
Try to mostly eat healthy foods, like leafy greens or other non-starchy vegetables, beans, seeds, and nuts. I know it’s hard to eat healthy all of the time, but if you can do it for most of your meals and snacks, you’ll be better off.
Use saving money as your incentive!
Everyone eats bad things from time to time, so every time you think about eating something bad, don’t do it.
You could save thousands of dollars in life insurance premium payments over the life of your policy.
Avoid Fast Food and Sugary Drinks!
Avoid McDonald’s, Burger King, Wendy’s, or any other fast food.
If you must eat fast food, choose healthy items, like a grilled chicken sandwich or a salad with dressing on the side.
Diabetics with optimal cholesterol levels and blood pressure can get credits for better offers, so blood sugar is not the only thing the insurance companies are going to look at.
An excellent diet will help all of these things.
Don’t drink any soda at all, and avoid fruit juice and drink water instead.
Try Stevia as a sweetener instead of sugar or honey, as Stevia will not affect your blood sugar levels. I’ve tried it, and it’s not bad!
Know What You’re Putting in Your Body
Read labels on the food you purchase.
If high fructose corn syrup is listed as an ingredient on what you may purchase, or if sugar, sucrose, glucose, or fructose is listed as one of the first few ingredients, don’t buy it.
Be careful about the other less conspicuous “sugars” on food labels. Things like agave nectar, fruit juice concentrates, evaporated cane juice, molasses, or many things with “syrup” in their name. Some of these even sound like they may be good for you, but they’re not.
If you get a craving for something sweet, try to eat low sugar fruits like berries, kiwi, or melon, or use Stevia to sweeten any non-sugary foods.
Avoid alcohol and especially sweet mixed drinks.
Try The Strict Diet Prior To Insurance Exam
If you can follow the diet previously mentioned for two months, one month, or even a few weeks prior to having your life insurance exam, your A1C will probably be better than ever.
Your cholesterol, other blood levels and blood pressure may also improve.
An optimal HbA1C as far as life insurance companies are concerned is below 7.0%, but the lower, the better.
I’ve seen insurance companies improve on their diabetes insurance offers for a very small difference in A1C.
For example, going from an A1C of 7.1% to 6.9% can result in a rate improvement that could save you 30% to 50% on your life insurance. Over the life of your policy, this could be a huge savings.
I know the difference in A1C from 7.1 to 6.9 seems minuscule, but small changes like this can make a difference.
Does Not Matter If Type 1, Type 2 or Even Pre-Diabetic
Whether you are a type 1, type 2, or you are a pre-diabetic, being strict about your diet prior to applying for life insurance will help you to get the best offer.
Remember that even small improvements in blood sugar/A1C, cholesterol levels and blood pressure can help.
Try eating really well for two months and then apply for life insurance.
Make sure you get a copy of the lab results from your insurance exam and compare it to your prior lab results.
This will prove what I’m telling you above works.
For more information about what to eat, what not to eat, and other good dietary information for diabetics, check out Dr. Fuhrman’s page on diabetic diets.
We’ve seen the “top-secret” diabetes underwriting manuals that insurance companies won’t release to agents, so we know how to get you credits for the best diabetic life insurance offers!
Since 1992, Gordon E. Conwell, III (G3) has helped thousands of ”higher risk” individuals get the best life insurance rate/value. Being a high risk himself, he knows the struggles you’ll face trying to get affordable life insurance. His unique shopping process and underwriting knowledge will result in the best offers, every time!