Diabetes does change a life forever. It is estimated that 80-90% of the costs diabetics face are related to the treatment of complications as opposed to the costs for daily medication or insulin. To compound this situation, most conventional medical insurance policies do not cover all such expenses. If someone has diabetes, he/she can purchase a life insurance policy that will not only offer you protection but financial coverage in the time of treatment. The premium and the type of plan will depend on the level of your diabetes. Colorado insurance brokers inform when you apply for life insurance, you should go through the underwriting process, which insurers use to assess the risk of insuring you. This includes a look at your family's health history, your hobbies, and your driving record. You should have a routine medical exam, the insurer may request records from your doctor. Benefits of Life Insurance for Diabetics Living In Boulder # 1. Wellness Programs Colorado insurance brokers managing your diabetes are the key to staying healthy. To enable you to monitor your health and take necessary care, the policy provides for a wellness program, which is a package of diagnostics and consultations that helps you manage diabetes. In this, you have to undergo checkups as per a defined protocol, absolutely FREE. This protocol is described below and would be applicable in each policy year. #2 Diabetes Coach Boulder life insurance is their time when you have wished for someone who could help you lead a healthy life. We present to you-Diabetes Coach! What does a Diabetes Coach do? In Colorado insurance brokers will be assigned a Diabetes Coach who will facilitate your wellness program under our policy through:
#3 Improving Health, Reducing Premiums Insurance brokers in Colorado, with our Diabetes Control Index (DCI), we ensure effective control of your diabetic condition. DCI involves the use of key factors from your regular tests and is an overall indicator of your diabetes control. #4 Financial Support The seven major critical illnesses covered in the insurance are:
#5 Rider Options With boulder life insurance, you can further enhance your cover with options for riders, to enjoy additional protection at a nominal extra cost, as given below: A. Diabetes Enhanced Benefit Rider (DEBR) This rider gives you an additional procedure based cover for:
B. Death Benefit Rider (DBR) To provide complete protection to your family, we offer you the optional Death Benefit Rider (DBR) pays out 100% of the applicable Sum Assured. Good control of your health would entitle you to a reduction in your rider premiums. Colorado Insurance Brokers Inform Factors Are Affected Diabetics Life Insurance: If a diabetic patient is applying for life insurance, life insurance brokers in Colorado underwriters will look at the same health and lifestyle factors that they do with any applicant. But a few things are especially important for diabetics.
Also Read: Top 10 Frequently Asked Questions about Whole Life Insurance
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