Amylin A hormone that is released along with insulin from beta cells, which decreases glucose levels during meals. Artificial sweeteners Sugar substitutes have no carbohydrates and essentially no calories, and will not raise blood sugars. Basal infusion profile An insulin pump term – the amount of insulin delivered every half hour or hour over a [...]
“The most important thing I can suggest is to shop around. Each life insurance company has its own unique underwriting criteria. You can start by shopping around on the internet yourself (be prepared to hear “no” a lot), or ask friends for a referral. A good options is to use a broker. Ensure you use [...]
4 – HbA1c readings HbA1c is a long-term measure of how you are managing your blood sugar levels. A good insurer will be interested in your readings. Different insurers we spoke to have different sliding scales for qualifying for life insurance. Having too high a reading can rule out insurers completely. HbA1c levels should be [...]
Besides the standard questions insurers ask everyone to guage their risk (age, occupation, household income, etc), there are 7 factors that become more important when you are a diabetic. These are: Your diabetes type The onset age of the disease Your family history Your HbA1c readings Type of treatment Your height and weight Your general [...]
Life insurance companies can’t truly look at each person individually when determining premiums. They have to group people into rating classes. These broad classifications will be used by an insurance company to determine the risks that may be associated with providing coverage to any potential customer, including a diabetic. Unsurprisingly, life insurance for diabetes tends [...]
Life insurance companies essentially bank that you’ll be alive long enough to pay premiums sufficient to cover your death benefit. The shorter length of time a person like you lives on average, the more a company is going to charge. They ‘re not in it to lose money. Life insurance companies don’t want to gamble. [...]
How is diabetes treated Always consult your GP immediately if you have a health problem or you are concerned about diabetes. Diabetes is currently treated in two ways: healthy diet and exercise medication with tablets and/or insulin. Insulin injections help increase the amount of insulin in your body and bring down the blood sugar level. [...]
Diabetes is a condition where the blood sugar level is higher than normal. There are two main types of diabetes. Type 1 diabetes or insulin-dependent diabetes. It is commonly seen in young people. Type 2 diabetes – most of the time this is non insulin-dependant. It is most commonly seen in adults over 40, and [...]
Accident, Sickness and Unemployment Insurance This can offer you with a tax-free monthly income should you be in a position where you cannot work due to either sickness or unemployment. This will normally pay out for up to 12 or 24 months when you make a claim. Amount of cover This is the amount paid [...]
A life insurance policy is an agreement between you and an insurer in which a sum of money will be paid should you die during the term of the policy. You need to work out which type of policy is most suited to you before you commit to buy. With a critical illness policy you [...]