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If you or someone you know has Diabetes and are currently shopping the Insurance Marketplace to find the most affordable term life insurance coverage you may find the links below useful.  While having Diabetes does not automatically make you ineligible to purchase life insurance with most carriers, you will want to know which carriers are more liberal or lenient in life insurance underwriting these types of health issues.  The Life Insurance Carriers below are some of the best in the industry that when it comes to health and avocation issues in underwriting, please click on the links below for more information pertaining to each carrier.

Term Life Insurance Companies

Lifeinsurance-pros top recommended Term Life Insurance companies!

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Have you ever wondered if you have RA or Rheumatoid Arthritis if it were possible for you to actually get a term life insurance or other type of life policy?  The short answer is maybe “it depends” on a couple of key issues.  First, what medications you are taking to control the disease, how long you have been diagnosed and if it limits your function-ability.  Find out more from our article below and request your free term life insurance quote.

Rheumatoid Arthritis Life Insurance

Can you still find and qualify for Life Insurance even if you have Rheumatoid Arthritis? The answer is yes you can but it depends… Rheumatoid Arthritis or RA for short is a chronic inflammatory disease that can affect the connective tissues in your joints all over your body.  It typically manifests itself in people over age 30 to 50 but can be diagnosed at any age.  Women are more acceptable to the disease more than men as well.

How do you know if you have RA, symptoms may include:

Hopefully you have found this information useful and it can help you in your search for quality affordable term life coverage.  As always please feel free to send us a note with any questions.

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Diabetes patients Life policies!

The following diabetes life insurance underwriting guidebook could and ought to assist you diabetics better understand how to get the best life insurance underwriting when you apply for a policy.

Diabetes is a disorder that occurs because your body is not producing enough insulin. It is mostly irreversible but can be controlled by diet, medication and exercise prescribed by your Doctor. By the way when applying for a life policy the above mentioned factors (diet, exercise and medication) are the big factors the underwriters look for in you file. Control and follow up with your doctor are huge and will greatly improve your opportunity for the best rates.

The underwriters have to see that you are in control of your disease due to the fact in later years it can cause serious complications, life coronary disease and kidney disease.The aforementioned disease’s can and most likely will lead to shorter life span and higher rates.

The health conditions that will affect your final offer:

•    Current Age

•    Date of diagnosis and the age at onset

•    Current treatment and medications

•    Type of diabetes: type I or type II

•    Do you monitor your blood sugar readings

•    Any complications such as: nephropathy, neuropathy, cardiovascular disease and retinopathy-to name a few

•    Current build: Height and weight

•    Blood Pressure

If you can control and improve any of these issues it will certainly help you build a case for your health with the underwriters.

Items needed to help your broker present the best case to the insurance company:

•    Have you seen any specialists: Like neurologist, endocrinologist or nephrologist? If you have either obtain the records or have the latest results from them and explain to your broker.

•    History of your blood sugar control: copies of blood sugar tests and your Hemoglobin A1c’s always help Note: Blood sugar and A1c readings are a huge factor in life underwriting for diabetics.

Also provide any risk factors upfront to your life insurance broker and please detail your lifestyle extensively if you are active and exercise tell them everything you do to keep in shape. If you provide as much information up front about you and your current health condition the better chance of better offers.

Here is a list of possible underwriting decisions:

Type 1 Diabetic (insulin dependent):

•    Best Case probably rated table 2 could be higher depending on your history.

•    Typical case is table 2-4

•    Worst case is a decline or postponed

Type 2 Diabetic (non insulin dependent):

•    Best case: Standard rate class, could be better depending on the carrier and their underwriting guidelines

•    Typical case is Standard rate class to Table 2 rating

•    Worst case is a decline or postpone until issues are under controlled and monitored regularly by your physician.

This article should help you in your search for affordable life insurance plans, this is the best time in history to obtain life insurance mortality rates have been extended and the carriers are looking for premium dollars. Don’t wait call your agent or broker and get some quote

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If you are an Asthmatic and currently are in the market to find and buy the best most affordable term life insurance policy, then you may want to read the following article.  The key is providing as much information upfront to your agent or broker so they may shop the life carriers and working with a good brokerage agency.  Unless you have chronic and persistent asthma you should be able to find a plan that fits into your budget.  Read the article below and click on the link to find out the information you need to provide your agent.

Asthma Life Insurance

Asthma Life Insurance Underwriting can become difficult depending on the severity of the condition.Some Asthmatic’s can develop scarring of the lungs which could possibly cause pulmonary function test’s to become abnormal as well as chest x-rays.Usually someone with Mild Asthma does not require daily medications but Persistent or Chronic Asthmatic’s most likely will be prescribed daily medications.

Mild Asthma: 
Less than 2 episodes per year, therapy could include inhalers, oral medication “no steroids. Possible to obtain Standard Life Rates.
Moderate Asthma:
Less than 4 episodes per year, therapy could include inhalers, injections of epinephrine “possibly” and oral medications.  Possible to get Standard to table 2 life insurance rates.
Moderately Severe:
Less than 5 episodes per year, therapy could include inhalers, injections of adrenaline “possibly”, oral medications and possibly an oral steroid boost.  Possible to obtain table 2 to table 8 life insurance rates.
Severe:
If you have diagnosed Severe Asthma it is most likely a decline life insurance application.  Most likely a decline per underwriting guidelines.

Technorati Tags: asthma life insurance, asthmatic life insurance, term life insurance

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If you are planning on trekking up Mt. Rainier or the great Kilimanjaro and then getting Preferred Life Insurance rates, well you might want to prepare yourself.  Well that will depend totally on an number of factors that the Underwriters will be looking at and for when evaluating your life application.  Remember the more detail you can give them typically the better so you can get an answer quicker and if your premiums are not acceptable then you can shop your case.

Below is some information that could possibly help you in your search and you can visit the rest of the article by clicking the link below…

Mountain Climbing Life Insurance

Mountain Climbing has become a very popular sport or past time over the last decade or so and the people who perform in such avocations are avid participants usually.

When it comes to a mountain climber trying to get Life Insurance on their own life it sometimes can become difficult to get the best rating’s due to where they climb and the elevation of some of the climbs.

Typically the Life Insurance Underwriters will be looking for the following information to help them in deciding to offer you coverage.

Experience:
Training:
Difficulty or the grade of the climb:
Your overall condition of health:
Do you belong to any clubs or affiliations:

Most carriers look at Mountain Climbing in the following categories so please be very specific in detailing to your agent what it is you actually do when climbing, such as the following categories:

Walking: or Trail Hiking or Trekking
Rock Climbing:
Snow and or Ice Climbing:

Technorati Tags: mountain climbing life insurance, term life

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