Risk Life knows what it takes to get a diabetes life insurance application approval. Few underwriting
challenges have made the strides that type 1 diabetes has in the last few years. Underwriters have
held their position that type 1 is simply, potentially too risky. It’s not just the diabetes and the danger
inherent in rapid, high glucose spikes, but all of the potential associated health risks that can come
without, and sometimes in spite of, the very best of compliance and control.
Associated health risks include but are not limited to ketoacidosis, atherosclerosis, stroke, kidney
disease, diabetic retinopathy, diabetic neuropathy and susceptibility to infections . But this complex bit
of underwriting has been helped tremendously by new monitoring and treatment breakthroughs such as
insulin pumps and easier to use monitors. Approval for even juvenile onset type 1 in adults is taking its’
place beside type 2 diabetes as an attainable goal.
Well controlled Type 2 diabetes has been well understood and easily underwritten for almost a decade.
Like type 1 it is better understood now by the medical community and a lot of the associated health risks
are being avoided by early detection and better monitoring and treatment. While type 2 has an equally
complex group of possible future problems, good control from the onset can effectively neutralize the
issue and make underwriting easier.