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Can Being Pre-Diabetic Stop You from Getting Life Insurance?

Find out about pre-diabetic life insurance options.

By Byron Udell | July 26, 2017

If your blood sugar levels are slightly elevated, should this be a red flag regarding your health? Could these pre-diabetic levels affect your chances of getting life insurance? Learn more about pre-diabetic life insurance options.

For starters, let’s talk about your health. How are you feeling these days? Are you taking care of yourself? Are you exercising regularly? Are you eating a sensible diet? Are you doing all you can do to reduce everyday stress?

The truth is, the healthier you are…the lower your life insurance rates will be. If you get high medical marks from the physical exam (that you’ll probably need to take as part of the insurance application process), you should be able to qualify for the best rates on your next life policy.

By the way, when was the last time you’ve had a physical?

If you haven’t had a physical in over a year, you might want to get one. It’s a sensible, cost-effective way to maintain good health, and help prevent bigger medical problems down the road.

For instance, how are your blood sugar levels? This is one health indicator that we all need to keep an eye on, especially as we get older. Left unchecked, higher-than-normal blood sugar levels can lead to diabetes.

What if I already have diabetes? Can I get pre-diabetic life insurance?

As we discussed in a prior blog on diabetes, if your blood sugar levels (or A1C levels) are higher than 6.0 on the A1C scale, you’re considered to have diabetes. And yes, you can get coverage, but it may cost you more than someone who doesn’t have diabetes. For example, once you’re diagnosed with diabetes, you are probably not going to be offered “preferred” or “preferred plus” rates – which are the best life insurance rates in the marketplace, ever again.

But what if my blood sugar levels are only slightly elevated? Are there options?

If you have elevated blood sugar levels…between 5.7 and 6.0 on the A1C scale…then you are considered to be “pre-diabetic.” So what does that mean? It means that your blood sugar levels are higher than normal. Being pre-diabetic puts you at a higher risk for heart disease and strokes.

Not only is being at a higher risk for heart trouble a red flag for your health, it’s also a red flag for most life insurance carriers. Remember, insurance companies understand risk and charge appropriately for it.

Is there anything I can do to get to prevent this scenario?

Yes. The key is to be proactive before you have to take the medical exam that’s typically required for many life insurance policies. (You can sometimes get life insurance without a medical exam, but generally, you’ll be paying more and getting less coverage.)

The insurance medical exam is pretty straight-forward. You have to provide blood and urine samples, along with taking your weight and blood pressure. And just so you know, this exam is not done by your personal physician…it’s performed by a health care professional who works with the insurance company.

So if you suspect that your blood sugar numbers are higher than they should be, you might want to visit your own doctor before you take that insurance medical exam. After the exam, if your personal physician determines that you are indeed pre-diabetic, there are things you can do to lower your A1C level back down to “normal” range. Some of the things you can do to lower our A1C numbers are:

Lose weight – Losing as little as 5% to 10% of your body weight can really make a difference.

Exercising – Working out for just 30 minutes a day can increase your heart rate, which increases blood flow.

Eat better – Eating a low-fat diet, with lots of fruits and vegetable, and whole grains, can also help lower bad cholesterol.

And once you get your A1C levels down to “normal” levels…which is below 5.7…then you should be able to pass your insurance medical exam with flying colors, which could give you a better shot at getting the best rates on your life insurance.

For more information on life insurance, talk to AccuQuote. We can provide quality, competitive life insurance quotes from the top-rated, brand-name insurance companies you know and trust.

We only work with highly rated insurance companies – brand names you trust. You may be able to save money without sacrificing quality and strength.