How Can Diabetic Seniors Qualify For Life Insurance

Being diagnosed with diabetes at any point in your life is stressful. However, now we know that some insurance companies have updated their policies to cover seniors who have been diagnosed with diabetes.

Do Your Research

It is now possible to find an insurance company that will offer plans to seniors with diabetes at the same rate they would charge seniors without diabetes. While these rates vary due to factors such as the person’s age and the age they were when they were diagnosed with diabetes, rates are affordable for most senior citizens.

AARP Membership

Members of AARP are often qualified to receive diabetic life insurance. Many times, Medicare will not pay for diabetes care for senior citizens and this is where being an AARP member comes in handy. The “Medicare Complete” program offered by AARP does cover pre-existing conditions, including diabetes. For certain AARP members, enrolling in this program is free. Those applying for these programs that have diabetes are not subject to limitations concerning provided coverage.

Manage Your Diabetes

To qualify for life insurance coverage as a diabetic you must have your condition under control. If you have other risk factors, such as high blood pressure you cannot control you may not qualify for life insurance coverage. You may also be disqualified if you are diabetic and are severely overweight or you smoke. If you do qualify for life insurance you may have to pay extra fees due to your diabetes. This extra fee can end up being a flat extra premium, which usually involves paying as much as an extra $1,000 a month for insurance coverage.

Improve Your Condition

If your diabetes improves somewhat after you have paid for life insurance as a diabetic you may be able to get your rates lowered in some cases. Your best bet is to call your insurance company.

If you have either Type One Diabetes or Type Two Diabetes who can apply for whole, universal, variable and term life insurance. In most cases term life insurance for diabetic seniors is your best bet for becoming completely insured. Term life insurance will last a predetermined amount of time and will allow you to borrow cash against your insurance policy if you need it.

Though it may be more difficult it is possible to qualify for life insurance if you are a diabetic senior.

Diabetes in Pregnant Women


During pregnancy a woman’s body undergoes several changes including being less responsive to insulin. Your pancreas will produce more, and sometimes this can increase the blood glucose level resulting in gestational diabetes. Obesity and having close family members who suffered the same condition can put you in a high risk of getting this.

This can lead to complications like miscarriage, or affect the development of the fetus which is very devastating for the parents. It can be managed by maintaining your blood sugar level and closely monitoring it. Exercise and checking your weight can also help you, as well as drinking plenty of water and choosing food rich in fiber. A few weeks after delivering the baby, your blood glucose level will most likely return to normal. Most women with gestational diabetes have a high chance of developing this again in the next pregnancy. Learn to take care of yourself because it is not just you anymore, your baby needs a loving and healthy mother.

Slow Healing Wounds and Diabetes


A wound is painful and sometimes unbearable, people with diabetes who have this have to deal with it for a long time. When a person has diabetes there is decreased blood flow, and the immune cells do not work correctly making it harder for the body to heal a wound. This may lead to amputation of the affected part, most commonly your foot because sometimes it gets neglected.

Nobody wants to lose anything, if you do not want to end this way, you need to make sure you will not have a wound. Do necessary steps such as washing and checking your feet every day, keeping your feet dry, and being careful when you are trimming your nails. If you do get a wound, go to your physician immediately to have it checked. Living with diabetes is hard, but living with an amputated
foot because of it is even harder.

Food for Diabetic Patient


Having diabetes does not mean you have to say goodbye to ice cream or that mouthwatering custard cream puff, it is all about having a healthy and well-balanced diet. Before you got this condition, you may have eaten everything you wanted, but this time you need to discipline yourself to maintain your health. The key to eating good food for diabetic people is making sure that you do not eat a lot or under eat; this is a good way to balance your blood glucose level.

Your dietitian or doctor can help you determine the best food for you; you can ask them for a weekly meal plan that fit your needs. Also know the importance of fruits and vegetable in your life, and stay away from fatty or carbohydrate rich foods. Once in a while you can indulge in your favorite snacks, but this time keep in mind that everything should be done in moderation.

Active Living Even With Diabetes


Physical activity is always beneficial for your health; this can be performed even if you have diabetes. Do not be afraid to try out different sports, a number of athletes also have this condition and they even excel at it. If you are afraid that when you are running you will suddenly fall and die, you must be watching too many shows on television. This is a myth that needs to be debunked, having diabetes does not license you to just sit still, and on the contrary sports can be good for you.

This can make you strong, and participating in sports can lower your risk for complications. It is a very fun activity that can let you meet other people like you, or someone who can support you. Just remember to monitor your blood sugar level to keep it from lowering. Sports are a great activity for all ages and people with diabetes should learn to enjoy it.