Can I get standard rates with prediabetes?

font-illustration-letter-q_MJMrdDjdSix months ago, I was declined for a $500k, 20-year term life policy because my blood sugars were a little elevated. Not quite Type 2 Diabetes status. Since then I’ve lost twenty five pounds (I’m currently six feet, two-hundred pounds). What can I do to get insured at standard, or even sub-standard, rates?

font-illustration-letter-a_z1zZ_wsOPrediabetes is usually an insurable condition. Your other lab results will be given a close look to make sure there are no other problems. A 25 pound weight loss can be considered a little steep, but considering your height and current weight, should not be a problem. If your blood sugar is okay now, and there are no other medical concerns, standard is a realistic goal. The odds are in your favor. Keep up the good work!

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View my answers to previous questions on this blog and on Quora.


Over my decades in the business, I’ve been asked all kinds of questions about life insurance.

You name it – on issues ranging from application strategy to the risk profile of drug running to the insurability of AIDS to the philosophy of insurance itself – I’ve been asked it, by clients and by curious consumers.

Do you have any questions about life insurance?

I’m happy to help answer them.

There are two ways you can ask me a question:

#1. Ask a Public Question via Twitter – New!

If you have a short question, you can use the Tweet button below. I’ll answer your question via Twitter in 140 characters or less (or post a link to a more in-depth answer on this blog).

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If you’d rather not ask your question publicly, please feel free to use the form below. I will respond via email and won’t share your information with anybody, without your explicit permission. If I think that other life insurance consumers could benefit from reading your question and its response, then I will ask you if it’s okay to share a modified version (personal details changed) on this blog.

 

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