1. Dallas Life Insurance for Diabetes
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