Need life insurance with gestational diabetes on your health history?
Diabetes is one of the most common conditions we encounter of people applying for life insurance, and many people are curious whether life insurance with gestational diabetes is treated the same as Type 1 and Type 2 diabetes. It is not uncommon for gestational diabetes to develop during pregnancy, and it is experienced by about 18% of mothers to be.
Gestational diabetes is a temporary condition which develops during pregnancy, so many people would not even consider its impact on life insurance underwriting and rates. Like many conditions, life insurance carriers are split on whether gestational diabetes should impact the rates in which a woman would pay. Rates for life insurance for diabetics are almost always higher.
The main reason why life insurance companies may charge a slightly higher rate if you have/had gestational diabetes is because some studies have linked the presence of gestational diabetes to Type 2 diabetes later in life.
The job of the underwriter is to not only view your risk level now, but also the risk you could pose to the insurance company in the future. If you pose a risk for diabetes, the insurance company may choose to charge a higher rate. However, not every insurance carrier does this, so it is important to be paired with the right carrier.
Purchasing life insurance with a medical condition needs to be done carefully to avoid paying to much for a life insurance policy. When working with a client regarding life insurance with gestational diabetes, we ask some specific questions to make sure we are getting you the best policy. Some of these questions may include:
If you had diabetes before your pregnancy, then you will receive the life insurance ratings which are consistent with diabetes. This could range from a Standard level, to slightly Sub-Standard.
If you have a history of gestational diabetes, and are currently not pregnant, than you will most likely be able to obtain a Standard rating if you do not have any other health issues. The further you are from the date of your diagnosis, the better, especially if you have a track record of level blood sugar.
If you are currently pregnant, and currently have gestational diabetes, than you could be declined for a traditional life insurance policy. This is because your endocrine levels are fluctuating so dramatically due to pregnancy. However, once you have your child you should be able to once again apply for a life insurance policy.
The most accurate way to access your current levels would be your most recent check-up. Providing this information during the application can aid us in obtaining the most accurate information.
As many people are aware, healthy lifestyle choices are one of the best ways to avoid suffering from diabetes in the future. This includes eating healthy, and regular exercise. If you can show us (and the underwriter) you have done your best at eating right, exercising on a regular basis, and overall doing what you can to control any symptoms, this greatly helps your chances of approval.
Remember, however, up to half of all women who had gestational diabetes did end up with diabetes within the first couple years. If you’re continually showing signs of pre-diabetes, even after you’ve given birth, the insurance company may as you to wait before applying again.
Always be prepared when you give us a call. Have your prescriptions handy, know your family history, and tell us as much as you can about yourself. We’re on your side.
Obtaining life insurance after having gestational diabetes does not need to be a difficult process, and avoiding a declination is one of the most important aspects. We have the ability to reach out to over 50 carriers so you can have the peace of mind in knowing you are getting the best deal available.
Purchasing affordable life insurance with epilepsy can be harder than normal, especially if the carrier views it as a seizure disorder. Epilepsy is a unique condition which can be recognized at different points throughout your life, which can even impact your rates. The degrees to which someone can suffer from epilepsy also vary greatly. Suffering… Continue Reading
Purchasing life insurance after cervical cancer is still possible, but does require some specialized planning throughout the life insurance application process. Following some important steps can increase your probability of obtaining coverage, and at the most affordable rate available. High Risk Life Insurance After Cervical Cancer Following a scare with a condition as serious as… Continue Reading
Purchasing life insurance after breast cancer can prove to be a challenging obstacle, and many carriers will decline you for coverage in the first so many years. Knowing what options exist, and which carriers will give you the best chance at a life insurance after breast cancer approval are key in getting your best policy.… Continue Reading
If you’re concerned about finding life insurance with Paget’s disease, we may be able to help you. Specializing in high risk life insurance, we have helped many, many people find coverage where others could not. Applying with the right company will make all the difference in getting accepted versus getting declined. While we can’t guarantee… Continue Reading
Plenty of men find the extra difficulty in buying life insurance after testicular cancer, as most companies will see it has a risk they are not willing to approve coverage for. Fortunately, there are plenty of carriers who are still willing to approve men at excellent rates for life insurance following testicular cancer. Often times,… Continue Reading
Hitting a hurdle when looking for affordable life insurance with Hepatitis C? Fully underwritten life insurance policies are definitely still available for people with Hepatitis C. Often times, those who are declined simply did not apply with the right carrier. At Waterway Financial Group, we work on your behalf to sift through more than 50… Continue Reading
Wondering how you can get a life insurance approval with kidney disease? You’re not alone! Many people with kidney disease who are declined simply didn’t choose the right carrier to apply to. Not everyone will be eligible for the same products, but there are many suitable options for coverage. Kidney disease has large variances from… Continue Reading
One of the most common sleep disorders is sleep apnea, which leads many people to ask how carriers will view life insurance with sleep apnea. If you are in the market for life insurance with sleep apnea their are certain things you need to know before you apply to make sure you will not pay… Continue Reading
When you apply for life insurance, many different things are evaluated in both your blood and urine. Your rates could change for your life insurance with protein in urine, for example, depending on how much there is on the initial reading. While some companies are strict to their underwriting for life insurance with protein in… Continue Reading