Having type II diabetes ...

...can significantly impact your ability to obtain life insurance with many major insurance companies. Fortunately there are some insurers, that only ask certain questions regarding diabetes and if you can answer no, to those specific questions, then you can actually get a premium that is the same as someone that does not have diabetes. Also, with these insurers, there is no waiting period and the death benefits and cash values are the same as for people that do not have diabetes.

Some Life Insurance Companies Cater to People with Health Problems...

Some insurance companies ask if you have diabetes and if you do, they want to know if you are insulin-dependent or if you use pills. With some of these companies, just having the diagnosis of type II diabetes even if controlled by diet, can cause you to pay much higher premiums and have a waiting period.

Meanwhile, there are better companies that you can obtain coverage through and these types of companies only ask a few general questions about diabetes.

With better companies that you can choose from, the only questions that are asked about diabetes are this... Have you had or been diagnosed with insulin shock? Have you ever been diagnosed with diabetic coma? Have you ever had an amputation due to complications of diabetes?

Those are the only three questions that you have to answer with some companies.

My Recommendation: If you have type II diabetes, the best way to obtain the best life insurance policy is going to be by being able to know what questions that each insurance company asks in regards to your disease. This can be done by using a life insurance comparison website that not only provides quotes, but also provides policy details and information that you can use to make a well-informed decision.

Type 2 diabetes.

When someone is diagnosed with type 2 diabetes, one of the telltale signs is a high fasting blood sugar level. The normal levels are 70 to 110 mg dL (3.9 to 6 mmol/L) or 80 to 120 mg/dL (4.4 to 6.6 mmol/L) depending on the clinical laboratory.

Diabetes medication is not always prescribed for type 2 diabetics. Your medical doctor will decide this based on your case. The higher your fasting blood level, the greater the chance that you will be given prescription medication.

The type of medication that is given to a type 1 diabetic is different than that given to a type 2 diabetic. That’s because the person diagnosed with type 1 diabetes cannot create the quantity of insulin he or she needs … whereas a type 2 diabetic is pumping out more than enough! As a type 2 diabetic, you would never be able to share medication with a a person with type 1 diabetes. Of course, sharing medication is against the law anyway!

Usually type 2 diabetics are given oral medications that are in the category called biguanides. One example of a biguanide is Metformin. These drugs lower blood sugar levels by decreasing the amount of glucose produced by your liver. They also increase the amount of insulin that the muscles in your body recognize as insulin and then use. Metformin is one of the most prescribed medications for type 2 diabetes.

Some health care providers will prescribe medications that stimulate the beta cells of your pancreas to release more insulin. Drugs that are used to do this fall into the category of sulfonylureas and meglitinides. The physician determines whether or not you will need these drugs by examining your insulin levels. It’s possible that your pancreas has been overworked so hard that it’s cells are not capable of producing enough insulin, and if that is the case, that is when he’ll prescribe these medications.