News You Can Use

How To Get

Life Insurance?

While buying life insurance is not the most exciting subject we have ever dealt with in this newsletter, most of us—diabetic or not—need to purchase a policy sometime in our lives to protect our loved ones against financial loss. If you have been turned down for life insurance because of Diabetes, do not get discouraged. Diabetes does not automatically render you unable to be insured.

 

There is much variety in the life insurance industry when it comes to how a diabetic applicant is treated. For example, some insurers will accept those who don’t take insulin, while rejecting those who do. Some insurers will accept those with an onset of Diabetes after a certain age (40, for example) but decline the younger ones. Some will be generous to those with an A1C of less than 7.0, but tougher on those whose A1C is higher. Some insurers will decline all whose Diabetes is controlled by anything other than diet, and some will accept anyone, with no medical questions asked

 

So how does a diabetic begin to shop for a policy without becoming bogged down in a frustrating “needle in a haystack” search? Call ECDA at 454­0715 or email us at diabetes@surferie.net. Of course, we don’t sell life insurance or endorse any particular company, but we can refer you to local resources with years of experience in this area and an affiliation with numerous life insurance companies. Going this route will enable you to avoid the frustration of spending days searching and applying for life insurance coverage only to be rejected. In most cases, you will receive several offers and you will be able to make intelligent, informed choices to adequately protect your family.

Risk Factors for Type 2

Diabetes In Children

Type 2 Diabetes is rising at an alarming rate in children. If you have Type 2 Diabetes, your child, grandchild, niece or nephew might be at an increased risk for Type 2 Diabetes as well.

Be alert to the following risk factors:

Having a family member with Type 2 Diabetes.

Being overweight. Going through puberty.

Being in a particular ethnic group. African and Hispanic Americans are at higher risk. Having insulin resistance. Some signs may

include:

– High blood pressure.

– High cholesterol or high triglycerides. Having a skin condition called Acanthosis Nigricans. This causes areas of skin at the neck and armpits and areas where there are skin folds to be darker and thicker than other parts of the body. The skin looks as if it’s dirty.

Being born small (less than 5 pounds) and children born large (greater than 9 pounds). Girls who have a condition referred to as polycystic ovary syndrome.

 

If you are aware of any of these risk factors in a child you know, encourage parents to have their child checked for Diabetes.