When it comes to life insurance rates, your health plays a big role: the unhealthier you are, the more you will have to pay in premiums. That means having chronic conditions like diabetes could lead to higher rates, but the good news is that this condition no longer means being denied life insurance, and it doesn’t necessarily mean unaffordable rates. With the medical advances of the past decades, we can now control diabetes, and that also means you can get a great life insurance policy that will provide for your family when you are gone.
How Does Diabetes Impact Life Insurance?
Diabetes used to be considered a major health risk by life insurance companies, one that would often mean either denying an applicant or charging very high premiums. But as the number of Americans living with diabetes continues to rise, and treatments for the condition get more effective, many insurance companies are now acknowledging that, as long as an applicant’s diabetes is under control, it will not significantly impact life expectancy.
With that being said, though, as with any health condition, life insurance companies will factor being diabetic into your premium rate. The best way to find affordable rates is to prove that you are managing your diabetes, and that it is under control. You should also be sure to compare policies from different companies, because different insurers might offer you different rates.
Finding An Affordable Policy
If something were to happen to you, your family would be facing emotional hardships, as well as financial ones. Life insurance is a great way to help your loved ones with those financial hardships: the money they receive will help pay for expenses related to your death, and any other debts or bills they have. There are many different kinds of life insurance policies to choose from, including whole life insurance, term life insurance, and final expense insurance, so if you’re not sure where to begin, consider using online tools, or speaking with an agent. The right policy for you is out there! 
We have provided the top insurance companies that offer life insurance policies below; each can give you hassle-free assistance and the most competitive rates in the nation. Always check multiple sites to make sure you have bargaining power and know the advantages of each company. Make sure a hard time isn’t made harder by a financial burden, check life insurance rates today.
