Type II Diabetes has exploded in growth as an adverse health condition and life long disease for Generation X, unfortunately.
There a a number of factors that have increased the number of Gen Xers with Type II Diabetes, but here are the biggest:
- Sedentary office jobs—we sit in our offices and cubicles all day long looking into computer screens. We don’t get up nearly enough to walk around. The internet, which has allowed us to be more stationary at work, has played a big role in the proliferation of Gen X Type II Diabetes.
- Lack of Exercise—This ties into the previous factor, but the simple truth is that Gen Xers don’t get enough exercise. You’re supposed to walk 5 miles a day in addition to working out by lifting weights, jogging, yoga, etc. Few Gen Xers I know get anywhere near that amount of exercise.
- Bad Diets—We eat too many carbs, too much processed food, too much fast food, too many sweets, too much candy, and we drink too much booze. We certainly don’t eat enough vegetables and leans proteins to keep our bodies humming until we’re 90 years old. Bad diet is the single biggest contributor to Type II diabetes.
If you’re a Gen Xer (in your mid to late 30’s, 40’s, and early 50’s), it’s hard to find the time to get in enough exercise while shuttling your kids to-and-from school, soccer practice, etc. while at the same time holding down a full-time job. It’s just hard to make the time investment. There’s just not that many hours in the day. I get it. Your preaching to the choir.
Therefore, it’s so important to work on what you can control, and that’s what you eat. You’re going to eat anyway so you might as well change your eating habits to eating healthier foods. Eating better is more than half the battle in reducing your chances of getting Type II Diabetes or, at least, reducing the severity of the condition if you already have it.
If you want to read more about how you can reduce the severity of your Type II diabetes through exercise and diet, read this article. It goes in depth on the practical steps you can take to become a healthier version of yourself.
So, what can you anticipate when applying for life insurance if you are a Gen Xer with type II diabetes?
- Different insurance companies will look at your Type II Diabetes differently—Some life insurance companies treat the disease as temporary and look for improvement over a period of time since Type 2 Diabetes can be a reversible condition. Other life insurance companies treat Type 2 diabetes as a permanent ailment and classify your health accordingly. For the most part, you can get standard life insurance rates as a Gen Xer Type II diabetic as long as you commit yourself to daily exercise, eating right, and taking your medication/insulin as prescribed. Getting standard life insurance rates as a Type I diabetic, on the other hand, is very difficult.
- Medication and Insulin–-If you are taking medication and insulin for your Type 2 diabetes, is it working? How well, or poorly, you manage your Type II Diabetes is a very important consideration to life insurance companies.
- Dosage of Medication and Insulin—
- Length of Time Diagnosed with Type 2 Diabetes–-when you were first diagnosed with the disease is important either to show improvement over a period of time or to show that you are getting worse. As said above, Type II diabetes is widespread for Gen Xers because of sedentary jobs, not enough exercise, and bad diets.
- Diet and Exercise Routine—-Diet and Exercise have been proven to reverse Type 2 Diabetes (or at least ameliorate the condition) so life insurance companies will pay close attention to your diet and exercise regimen. How you take care of yourself will be clear to life insurance companies after looking at your medical records and the results of your life insurance medical exam.
- Type 2 Diabetes comorbid with other Health Issues–-Most people with Type 2 Diabetes have high cholesterol, high blood pressure, and heart disease. All these effect your life insurance rate substantially.
- Overall Management of Type 2 Diabetes-–the overall condition of your life, health, and employment is important in making a final assessment in regard to a Type 2 Diabetic’s Life Insurance Application.
- Medical Records—Life insurance companies will order your medical records when reviewing your life insurance application. Your medical records will play a large part in determining your overall rate.
- Medical Exam and A1C Test—The life insurance medical exam is the biggest factor in determining a type II diabetics insurability and overall rate. The administered A1C test will measure your blood sugar level; also measured at your life insurance medical exam are your vitals, and a urine sample is taken.
All in all, the above factors are important to life insurance companies when evaluating the life insurance application of a Gen Xer with type 2 diabetes. Unlike type I diabetes, type II diabetes can be controlled through a good diet and lots of exercise—some say the condition can even be reversed through diet and exercise alone. Therefore, Gen Xers with type II diabetes should be able to get standard life insurance rates.
I hope this has been a helpful article on what to anticipate when applying for Life Insurance as a Gen Xer with Type II diabetes.
If you need help finding the right life insurance company for you as a Gen Xer with type 2 diabetes, feel free to call me at (65) 525-6165 or message me HERE. You can also email me at Robert@weigelinsurance.com or contact me through Linnkedin.com. However, if you prefer to generate your own life insurance quotes first, life insurance quoter is here. Just enter in your height, weight, and how much life insurance you want quotes for, and you’ll be able to generate quotes from around 20 different A-rated life insurance companies within about five minutes of your time.
Until next time and until next life insurance article,
Term Life Insurance Agent for Generation X