Category

Type I Diabetes

Type II Diabetes and Gen X Life Insurance

By | Type I Diabetes

Type II Diabetes has exploded in growth as an adverse health condition and life long disease for Generation X, unfortunately.

Why?

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,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165

 

Type I Diabetes and Life Insurance

By | Type I Diabetes

There are two types of Diabetes—Type 1 Diabetes and Type 2 Diabetes.

For many Gen Xers like me (people in their mid to late 30’s, 40’s, and early 50’s), Type 2 Diabetes is a serious health concern which is a direct result of poor eating habits, a sedentary lifestyle, and being significantly overweight. Type 2 Diabetes can be moderated by eating better, being active, and taking insulin on a regular basis. Many doctors even claim that Type 2 diabetes can be reversed through lifestyle management.

Type 1 Diabetes, on the other hand, can not be reversed. There is no cure. However, people with Type 1 Diabetes can live long lives by managing their health and blood sugar levels.

This article will discuss the following:

  • What Type 1 Diabetes is,
  • The symptoms of Type 1 Diabetes, and
  • What to expect when applying for life insurance as a Type 1 Diabetic.

If you are a Gen Xer with Type 1 diabetes who wants quotes for life insurance, email me at robert@weigelinsurance.com or contact me here. Do not bother generating your own quotes on the life insurance quoter on the home page of this website—many of those quotes will be inaccurate due to your Type 1 diabetes.

 

 

So, what is Type 1 Diabetes?

According to the Mayo Clinic, “Type 1 diabetes, once known as juvenile diabetes or insulin-dependent diabetes, is a chronic condition in which the pancreas produces little or no insulin. Insulin is a hormone needed to allow sugar (glucose) to enter cells to produce energy.”

There is no known cure for Type I diabetes; therefore, treatment for Type 1 diabetes focuses in on health management and managing blood sugar levels.

What are the symptoms of Type 1 Diabetes?

Symptoms of Type 1 diabetes usually present themselves when you are a child—however, type 1 diabetes can develop in adulthood.

The symptoms of Type 1 diabetes include the following:

  • “Increased thirst
  • Frequent urination
  • Bed-wetting in children who previously didn’t wet the bed during the night
  • Extreme hunger
  • Unintended weight loss
  • Irritability and other mood changes
  • Fatigue and weakness
  • Blurred vision.” (credits here)

If you or your child experience any of these symptoms, you should schedule a doctor’s appointment as soon as possible to be checked out for Type 1 Diabetes.

The prognosis is certainly not dire for Type 1 diabetics. By managing your health and blood sugar levels (especially taking insulin on a regular basis), type 1 diabetics can live just as long as their peers without type 1 diabetes. Type 1 diabetics just have to be more careful, more regimented with themselves, and become good friends with their doctors in order to combat the chronic condition successfully.

So, what can you expect when applying for Life Insurance when you have Type 1 Diabetes?

  • Not all Life insurance Companies treat Type 1 Diabetes the same—some treat the condition more seriously than others which will impact your health classification which in turn impacts your rate. The key in getting sufficient life insurance if you have type 1 diabetes is finding the life insurance company that will treat you as a person, and not a statistic. An experienced life insurance agent can help you bridge this gap.
  • Medication and Insulin-–Taking medication and Insulin for Type 1 Diabetes is crucial in managing your overall health as well as blood sugar levels. Insulin is a hormone which helps to regulate blood sugar levels. If you are type 1 diabetic, you need to take insulin shots (or insulin as distilled through an insulin pump) multiple times a day, before meals, to manage your blood sugar levels.
  • Dosage of Insulin—the dosage of insulin you take as a type 1 diabetic is a consideration for life insurance companies as increased dosages can signal progression of the chronic condition.
  • Length of Time taking the Medication and Insulin–Have you been taking the medication and insulin for 1 year or 10 years? This is certainly a factor a life insurance underwriter will consider. If you were diagnosed with Type 1 diabetes at age 10 and you are now 36, this can signal to a life insurance company that you manage your diabetes well.
  • Do you just have Type 1 Diabetes OR other illnesses as well-–Do you just have Type 1 Diabetes or do you have it in conjunction with other health issues like high blood pressure and heart disease. Many people with Type 1 Diabetes have multiple health issues that they are dealing with in large part because of the effect diabetes has on the entire body. On a similar note, nerve damage is a significant issue for many type 1 diabetics.
  • Diet and Exercise Routine—Do you exercise daily and follow a diabetes-friendly diet OR do you eat what you want and never exercise? An underwriter will look into this by reading your medical records and through your life insurance medical exam.
  • A1C test and Life Insurance Medical Exam—The A1C test measures your average blood sugar levels over a three month period—this test is a huge tool for doctors (and life insurance companies) in determining how well your manage your diabetes. In addition to the A1C test, your vitals will be taken at your life insurance medical exam.
  • Overall Management of Type I Diabetes and Medical Records–How well do you manage your life and your condition since you were diagnosed with type 1 diabetes as a child? A life insurance underwriter will definitely look into this by ordering your medical records.

All in all, getting a traditionally-underwritten life insurance policy as a Type 1 diabetic is possible—however, you definitely need to do your research in finding the right life insurance company that will treat you as a person, and not a statistic. I would highly recommend using a life insurance agent who has experience with type 1 diabetics throughout the process.

I hope this has been a helpful article on what Type 1 diabetes is, the symptoms of type 1 diabetes, and what to expect when applying for life insurance as a type 1 diabetic.

If you are a Gen Xer with Type 1 Diabetes and need life insurance for your family, email me at robert@weigelinsurance.com, contact me here, or message me through Linkedin so we can find the right life insurance company that will appreciate you and your family’s very specific life insurance needs.

 

Until next time and until next life insurance article,

 

Robert Weigel

Life Insurance Agent for Generation X

www.weigelinsurance.com

robert@weigelinsurance.com

 

How to get Life Insurance if you’re a Gen Xer with Type 1 Diabetes:

By | Type I Diabetes

For Generation X, which is comprised of people in their mid to late 30’s, 40’s, and early 50’s, Type 1 diabetes is a very serious health condition. Type 1 Diabetes is not only a serious health condition in-and-of itself, but Type 1 Diabetes also effects your heart, kidneys, eyes, etc. It is possible to get a traditionally-underwritten life insurance policy if you are a Gen Xer with Type 1 Diabetes; however, your life insurance policy is going to be more expensive than a life insurance policy for non-diabetics at the same age. I just wanted to prepare any Gen Xer who is reading this article for that.

Success story: My father is now in his mid 70’s. He was diagnosed with Type 1 Diabetes when he was 23. So, he has had Type 1 Diabetes for roughly 50 years. So, yes, it is possible to live a long life with Type 1 diabetes.  Type 1 Diabetics just have to watch their blood sugar levels more, eat better, take insulin as prescribed, and visit the doctor regularly. Your doctors need to become your friends—that’s how often you need to see them if you want to live as long as my Dad has with Type 1 diabetes.

If you are a Gen Xer with Type 1 Diabetes and want term life insurance quotes, I do not recommend getting term life insurance quotes on the home page of my website. Some of those companies may not insure you, and others will issue life insurance policies at a higher rate than was quoted based on past experiences. I recommend you CONTACT ME HERE so I can discuss with you and my underwriter your life insurance needs, and so I can generate accurate life insurance quotes for you.

What is Type 1 Diabetes?

Type 1 Diabetes is an autoimmune disease where the pancreas produces little to no insulin. Insulin is a hormone that regulates your blood sugar levels. Therefore, people with Type 1 Diabetes must have insulin artificially-induced into their body to regulate their blood sugar levels. The cause of Type 1 diabetes is still unknown.

The symptoms of Type 1 Diabetes, according to the Mayo Clinic, include the following:

  • increased thirst
  • frequent urination
  • bed-wetting in children
  • extreme hunger
  • unintended weight loss
  • Irritability and other mood changes
  • Fatigue and weakness
  • Blurred vision

To learn more about the symptoms and causes of Type 1 diabetes, go to the Mayo Clinic article directly HERE.

 

(pancreas of healthy person producing insulin vs. pancreas of diabetic. Credits to https://labiotech.eu/type-1-diabetes-adocia/)

How does a Gen Xer manage Type 1 Diabetes?

There is no cure for Type 1 Diabetes. It is a disease that must be managed. The good news: if you manage your Type 1 diabetes well, you can live a long life.

Here’s how Gen Xers should manage their Type 1 Diabetes:

  • Take Insulin everyday to manage blood sugar levels
  • Daily monitoring of Blood sugar levels
  • Eating a healthy diet
  • Exercising regularly to maintain a normal weight
  • Being best friends with your doctor and seeing your doctor on a normal basis

To learn more about how to manage your Type 1 diabetes, go directly to the Mayo Clinic article HERE.

So how do you get affordable Life Insurance if you are Gen Xer with Type 1 Diabetes?

If you are a member of Generation X with Type 1 Diabetes, you get life insurance just like anyone else. You submit a life insurance application, take a medical exam, get the life insurance policy issued, sign the policy, and pay the premium. To reiterate, the method of getting life insurance for Type 1 diabetics is the same as anyone else. However, it is going to be more difficult to get an affordable life insurance policy for a Type 1 diabetic. Again, I do not recommend any Gen Xer with Type 1 diabetes reading this article to go to the homepage of my website to the life insurance quoter to generate quotes for yourself. I recommend you calling me to discuss your life insurance needs. Once we talk, I will discuss your life insurance needs with my underwriter. From there, my underwriter and I will generate your life insurance quotes. You can reach me at (615) 525-6165 and Robert@weigelinsurance.com.

Life Insurance companies are going to look at the following when considering a Gen X applicant for Life Insurance who has Type 1 diabetes:

  • TYPE 1 DIABETES YEAR OF DIAGNOSIS-–Were you diagnosed with Type 1 diabetes 10 years ago or 2 years ago? Ironically, the longer the period of time you were diagnosed with Type 1 Diabetes may mean that you will get better life insurance rate as this means to life insurance companies that you have been able to manage your disease.
  • TYPE 1 DIABETES MEDICATION AND INSULIN–-Since Type 1 diabetes is a result of your body’s inability to produce significant amounts of or any insulin to control blood sugar levels, type 1 diabetics are going to need artificially inject insulin into their bodies with a syringe or with an insulin pump. My fear of needles is a direct result of watching my dad take insulin shots, each morning at breakfast and every night at dinner. For Gen Xers, regularly taking insulin to control your diabetes is a good sign to life insurance companies that you have your diabetes under control—irregularly taking your insulin (or not taking it all as prescribed by doctors) is a bad sign to life insurance companies and will result in higher rates and also being denied for life insurance. There are other medications for type 1 diabetes, but insulin is the primary one discussed here.
  • DAILY MONITORING OF BLOOD SUGAR LEVELS THROUGH BLOOD SAMPLES—Gen Xers with Type 1 diabetes should daily monitor their blood sugar levels by pricking their finger to get a blood droplet and putting the droplet in a meter to get your results. It takes all of a minute to do this. The urine test to monitor blood sugar levels is not as accurate as the blood test so it should be avoided, unless necessary.
  • A1C TEST–the A1C test is a blood test that determines a Type 1 diabetics blood sugar levels over a sustainable three month period. The A1C test is the biggest factor life insurance companies look at when determining the life insurance rate of a Type 1 diabetic or if they can insure the applicant at all. Life insurance companies will perform the A1c test at the life insurance medical exam. The lower the A1C, the better the rate and the better chances of insurability.
  • OVERALL TYPE 1 DIABETES HEALTH MANAGEMENT-–Life Insurance companies are going to take an overall look at how you manage your health as a Gen Xer with Type 1 diabetes. If you eat healthy, if your weight is in a normal range, if you exercise daily, if you monitor your blood sugar levels daily, and if you take your insulin as prescribed will go a long way in getting you a fair life insurance if you are a Gen Xer with Type 1 Diabetes.
  • TYPE 1 DIABETES COMORBID WITH OTHER HEALTH CONDITIONS–Unfortunately, Type 1 Diabetes can lead to other health conditions, specifically heart disease. Health conditions in addition to the Type I Diabetes will compound the rate a Gen Xer with type 1 diabetes can get for life insurance. Other health conditions significantly effects insurability with life insurance companies.

All in all, if you are a Gen Xer with Type 1 Diabetes, getting life insurance is doable, but you need to be prepared that your rate will be higher than the average person your age. The key to getting a fair rate if you are a Gen Xer with Type 1 diabetes—eat healthy, exercise, monitor blood sugar levels daily, take insulin daily as prescribed, and become friends with your doctors. But don’t take my word for it—take my Dad’s—who has successfully managed his type 1 diabetes for 50 years.

 

(My Dad)

 

I hope this has been a helpful article. Please call me at (615) 525-6165, email me at Robert@weigelinsurance.com, or message me through Linkedin.com if you are a Generation Xer with Type 1 Diabetes who would like quotes for term life insurance.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165