A chronic disorder that interferes with the body's ability to use sugar and starches;
associated with an abnormal amount of sugar in the blood and urine. Diabetes is
a risk factor for coronary artery disease.
Ratings are based on age at onset, duration of disease and presence of complications, which may involve circulatory, kidney, retinal and nerve disease.
Type 1 usually occurs in younger age groups. In these cases, the body generally does not produce any insulin.
With no history of complications: With onset within the last five years at ages under 50, ratings range from Tables E to H. With onset more than 25 years ago, ratings range from Tables H to L. At ages 50 to 79, with onset within the last five years, ratings range from Table B to D, depending on current age. With onset more than 25 years ago, ratings range from Tables C to H.
Type 2 usually occurs later in life. The body produces insulin but cannot use it properly (insulin resistance).
With no history of complications: With onset within the last five years at ages under 50, ratings range from Tables C to F With onset more than 25 years ago, ratings range from Tables E to J. At ages 50 and over, with onset within the last five years, ratings range from Standard to Table B. With onset more than 25 years ago, ratings range from Standard to Table D.
Life Insurance Solutions, in summary when underwriting a diabetes disease history, suggests for those persons looking for life insurance for diabetes, the following factors are very important in assessing the risk:
- What type of diabetes? Type 1? Type 2? Gestational?
- Age of onset?
- If gestational, still pregnant?
- What is most recent Alc (Hemoglobin Aic)?
- What medication is taken?
- Any history of
- Diabetic coma or insulin reaction? (If yes, give date.)
- Protein in the urine or kidney disease? Heart disease, stroke or TIA:
(Transient Ischemic Attack)? If yes, give date.
- Circulation problems (peripheral vascular disease)?
- Diabetic eye disease (retinopathy)?
- Diabetic nerve disease - numbness/tingling (neuropathy)?
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