Are you wondering, how your HbA1c affects your insurance rates, or even your chances of getting it? Well, it’s a huge factor because as a diabetic, your HbA1c refers to your blood sugar level and indicates the level of risk the insurer is undergoing by insuring you.

Guide to HbA1c

The A1C test (glycated haemoglobin) is used to test how well your blood sugar is controlled. It determines what your sugar levels have been over the last three months. It precisely measures how much of your haemoglobin is overlaid with sugar. The HbA1C test can be performed at any time of the day and does not require fasting. The higher your HbA1C, the higher will be your blood sugar levels, which puts you into the category of uncontrolled diabetes. Diabetics with uncontrolled blood sugar levels are 2-4 times more chances to have heart disease as well as complications with various organs, vision issues etc. Diabetes is the leading causes of kidney failure. A low HbA1C refers to your controlled diabetes. A1C results will show any important changes in an individual sugar level over three months. It will not show day to day changes of glucose levels.

The A1C reports can show a scale of the below three levels:

  • Standard – below 5.7%
  • Prediabetes – 5.7 to 6.4%
  • Diabetes – 6.5% or above

A1C test should be done at least twice a year for diabetes sufferers to check an individual’s glucose levels.

Its effect on your life insurance:

The HbA1c test is useful for a diabetic to check how well your glucose levels are managed, but it’s also essential for insurers to get an idea of whether you have controlled or uncontrolled diabetes. The more controlled your diabetes and its health-related complications are, the more likely you’re to be offered coverage under standard rates. Each insurance provider is going to have different A1C levels that they see as “healthy,” but all of them prefer lower levels more approvingly.

If glucose, or blood sugar levels, is too high, there are several ways you can do to lower it naturally which can lower your premiums as well.

Make changes to your diet – Eating a balanced diet can have an enormous impact on the glucose levels in your body.

Get moving – Exercise is the best way to rid your body of extra glucose.

Adjust medications – If your A1C levels are high, your doctor may help you with some form of medications



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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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