Life Insurance With Diabetes?
James says his fiancée has diabetes. Is there any hope of finding life insurance for her?
QUESTION: James on Twitter says his fiancée has diabetes. Is there any hope of finding life insurance for her?
ANSWER: Yes. It would depend on the type of diabetes she has. Diet-controlled is one thing. Insulin, and you get into the other types of diabetes that are more intense—much, much tougher—but there’s always hope. It used to be you just said, “Diabetes,” forget it just like it used to be if you said, “Cancer.” Forget it. But in some cases, the insurance companies are taking certain situations now that 10 years ago they didn’t even look at. What I would tell you to do is go to zanderinsurance.com, and you can click on it there, but I think in your case since you’ve got a special situation, I would just call in and talk to one of their reps about what you’re facing in terms of the type of diabetes that she’s got and how that’s going to affect her ability to land an insurance company.
A company like Zander where they represent a bazillion different companies is your best shot at landing a certain company that has a little bit more leniency toward a certain subject that you’re particularly facing.