LiveScience.com released an article yesterday stating that as much as half of the US population is now either diabetic or considered to be pre-diabetic. Half of the US population. So lifestyle choices, diet, medicine interactions, lack of exercise and aging are all contributing to an almost unavoidable tsunami of new diagnoses of diabetes, and all the other things that come along with that. It is a national problem that we have to deal with.
Diabetes Affects on Life Insurance
Now I’m not really here to talk about the conditions per se. As you might imagine, I’m here to talk about life insurance. And as these diagnoses roll in, people are going to be talking about their condition more and more. And the misinformation about those fly when it comes to life insurance. I cannot tell you how many times I’ve spoken with somebody on the phone, or sat with them, and they told me point blank that their doctor told them once they’re diagnosed with diabetes, they can’t get get life insurance anymore. And I just shake my head, because it’s like, the doctor needs to doctor, and leave the life insurance to somebody who knows what they’re talking about, because clearly they don’t. And it’s not just doctors. It’s nurses, it’s pastors, it’s your friend down the street, it’s your aunt, it’s your grandmother. Do not listen to people that are talking about something that they don’t know about. Maybe they’re talking about their case. Maybe they had a really severe case of something, and maybe they dealt with an agent that had no idea what they were doing.
Life Insurance For Diabetics and Other Preexisting Conditions
Folks, talk to somebody that understands preexisting conditions and how it affects your chances to get life insurance. I’ve been in this business for a long time, and I’m at the forefront of knowing where to place these cases, what to ask. I know what the underwriters are going to ask in most cases, and I can guide you through this. I’m not going to tell you it’s not going to take a couple of steps, because it might. I’m not going to tell you it’s not going to be easy. It may be easy, it may be hard. And I’m also not talking about, oh, this is just final expense or guaranteed issue. Those things may be appropriate. But if you’re a young father and you need a $1 million in term, I’m talking about getting you $1 million in term. Or if you’re a business owner and you need a buy-sell, or business continuation, or keyman, I’m talking about getting exactly what you need to conduct life.
Life Insurance Advice From A Professional
I understand this market, folks. And if you would like an assessment on your situation in particular, you can contact me through the website, or you can pick up the phone and give me a call. I’m a nice guy. We’ll chat. I’ll let you know what I think about your situation in particular. And then from there, you can decided if you want to sit down and talk further.
My name is Justin White. Thank you so much for taking your time to chat and stop in with me today, and I hope we’re talking soon.
To view the article on LiveScience.com