Not all life insurance companies rate the same for diabetes. Knowing the rating factors and shopping with an independent agent is the first step to obtaining the most coverage at an affordable rate. Call Melliand Insurance at 972-346-4666 to find out how.

1. Dallas Life Insurance for
Diabetics
Not all carriers are the same when
choosing a life insurance policy

2. Rating factors
• Type 1 or Type 2 Diabetic
• Height and weight
• Age
• Smoker or nonsmoker
• A1C levels
• Duration of diabetes

3. Type 1 diabetes
• Type 1 diabetes is also know as juvenile
diabetes
• Only 5% of diabetics have this form
• The body doesn’t produce insulin
• Insulin is a hormone needed to convert sugar
and starches into energy
• Insulin therapy is used to control protein
levels

4. Type 2 diabetes
• Most common type of diabetes
• The body doesn’t produce insulin properly
• The pancreas doesn’t make enough insulin to
keep blood glucose at normal levels
• Symptoms include frequent urination, excess
thirst, and constant hunger
• Diet, medications and weight loss surgery are
used for treatment

5. How are A1C levels measured
• Measures blood sugar levels for the past two
to three months
• Measures the percentage of sugar in your
hemoglobin
• The higher your A1C levels, the poorer your
blood sugar control which can lead to more
complications

6. Carrier specific specialities
• Getting the most competitive priced life
insurance policy is determined by the
previously discussed rating factors
• An independent life insurance agent will shop
several carriers to get the most competitive
life insurance policy
• The following carriers specialize in this
category

7. Type 1 Carriers
• John Hancock – Ages 50 and younger, best
case is table 6
• Over age 50, best case is table 2
• Nationwide – Ages 50 and up, best case is
table 2

8. Type 2 Carriers
• John Hancock - Possible preferred for ages 60
and over with excellent control
• Must be a nonsmoker , diet/oral meds, no
significant complications
• West Coast Life – Best case is standard
• ING – Possible super preferred with excellent
control, diet controlled only

9. Type 2 Carriers
• Lincoln Life – Possible preferred for diabetics
age 60 and over; A1C must be 6.0 or less for
12 months and duration of diabetes must be 3
years or less
• Metlife – Possible standard
• Prudential – Nonsmoker Plus is possible if
under excellent control
• American General – Borderline A1C of 6.4 or
less – ok at standard