When you decide to shop a life insurance policy, your insurer is going to look at various factors to determine how much should be the cost of life insurance and your monthly premium. One of the biggest factors that will be taken into account is your health. If you have any pre-existing conditions such as diabetes, there might be some issues getting a life insurance policy. Know more here.

HbA1c test is a big deciding factor!

The HbA1c diabetes blood test provides detail about the average blood glucose level over the past 2-3 months. In general, the diabetes team of the hospital conducts this test and needs to be sent to the laboratory for complete analysis.

HbA1c and life insurance

For most adults with diabetes, the HbA1c target is below 48 mmol/mol due to the fact that it can reduce the risk of developing other health-related complications such as eyes or heart disease.

When the insurance application is risky!

When the A1C level is high it means higher your blood sugar levels will be. It will put you into the category of uncontrolled diabetes. This triggers an alarm to insurance underwriters whose job is to weed out risky applicants. Your health will be properly analyzed before approving life insurance.

Lower A1C is better!

The life insurance company will analyze the overall health with the help of the A1C level, if it is 6.0 or less, you are more likely to secure a cost-effective policy. But, higher leave can lead to a high cost of life insurance policy as well as higher premiums. 

Know more from experts

Diabetes can adversely affect your ability to get life insurance, feel free to consult our life insurance professionals and they will help you secure the most suitable life insurance policy to meet your specific needs.

We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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