Juvenile Diabetes and Life Insurance
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Diabetes is extremely unpleasant condition, especially when you are a kid. Children suffer almost exclusively from type 1 diabetes. Their pankreas do not produce insulin and they have to learn to inject the proper amount of insulin since the early years, to prevent hyperglykemia - high blood sugar. Too little or too much can cause serious damage to the body's systems.
Unfortunately, it is not easy to obtain life insurance or long term care insurance, if you have type 1 diabetes (see general information about obtaining life insurance for diabetics in USA and in Canada). It's sad, because these kids are completely innocent, when it comes to causes of this chronic disease. The long term harmful potential of diabetes is often unbearable risk for many insurers.
Luckily, medical science is quickly advancing. While some years ago injecting the proper amount of insulin (the key treatment of this disease) was more about intuition and experience, modern blood sugar level meters and insulin pens enable to control the blood sugar levels punctually. The prospects look even brighter with the development of implantants, which should be able to control the blood levels automatically.
Some insurers start to recognize the changes and may offer life insurance even to kids with type 1 diabetes. What you need to do, when your kid was diagnosed diabetes?
- Wait around 6 months. Insurers will require certain period with stabkle medical records.
- Keep Hemoglobin A1C numbers below 7 (ideally even below 6). This is absolutely key factor when applying for insurance
- Cooperate with specialized agent. Not all insurance agent. Not only it will help you to choose the best policy, what is more important, it will keep policy declines out of your record with the database insurers use
known as the MIB or Medical Information Bureau. This entity is
utilized by all carriers to guard against fraud by the applicant. It is
the duty of the agent to present the best case to
the underwriter; one or more declines on the record wouldn't help.
- Be patient! Insurance prospects for diabetes 1 patients improve constantly,
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