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Life Insurance Approval with Diabetes Insipidus

in Diabetes Articles

Life Insurance Approval with Diabetes

Life Insurance Approval with Diabetes Insipidus!

Can’t find affordable life insurance with Diabetes Insipidus?

Don’t fret. We can help!

At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.

Our 2 Minute Promise

Stick with us for two minutes, and you’ll have two important questions answered:

1. Can you qualify for life insurance with Diabetes Insipidus? And if so…

2. How much will it cost?

noM_uOSMBY_OeDbVtPaa2Q4OWcFb01V-pjQ362VSRiYCan People Who Have Diabetes Insipidus Be Approved for Life Insurance?

Yes, most individuals with Diabetes Insipidus will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.

But you won’t be able to get this rating through your auto insurance company.

3B7dnAUzgXH6Bwx2VPotTiljdO4Mt4NawSqjyrJ7pP0How Much Will it Cost?

Best Case Scenario – Most cases of Diabetes Insipidus especially those that are detected and managed early does not pose any immediate danger to health. No symptoms of dehydration or fatigue will manifest, if fluids and electrolytes in the body are maintained within normal limits. Most of these cases get a “Standard” rating. Click here for quote at “Standard”.

Moderate Case – Those cases, however, that are not controlled properly will show complications of dry skin and mucus membranes, unintentional weight loss or rapid heart rate. These cases are usually rated at “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.

Common Questions to Assess Rating Class

If you’re unsure which of the above health classes to quote yourself at (Standard or Mild Substandard), please see the questions below:

How many years have you been diagnosed with Diabetes Insipidus?
Diabetes Insipidus is not a life threatening condition if detected and controlled early. But the symptoms and complications can become serious if not diagnosed early and not managed well.

Have you experienced any symptoms within the last six months?
Symptoms such as dehydration, increased heart rate or easy fatigability may be flare signs, which may get you a “Mild Substandard” rating.

Are you taking any medications?
Medications are important in the control of Diabetes Insipidus as it controls the hormones, and the fluids and electrolytes in the body. Failure to comply with the medications may result to poor control of the condition. This may get you a “Mild Substandard” rating.

Do you have regular check-ups with your endocrinologist?
Regular visits to your doctor mean that your condition is controlled and life insurance companies see this as a good sign.

Have you had any relevant diagnostic tests in the past 12 months?
Recent diagnostic tests such as CT Scan or MRI of the head, and laboratory findings from urinalysis or urine volume are the best ways to assess your actual condition. This may also confirm your compliance with your physician’s management.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.

You might also be interested in reading this article – Life Insurance Approval With Diabetes

noM_uOSMBY_OeDbVtPaa2Q4OWcFb01V-pjQ362VSRiYHow to Get a Quote

Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.

An estimate will appear on the next page.

If we can help you with a quote or to apply for coverage, call us at 877-443-9467.

Overview of Diabetes Insipidus

Diabetes Insipidus, also referred to as DI is caused by the abnormal function of the hypothalamus. There are several causes of this condition including infection, presence of tumor, post-surgery, head injury or a sudden loss of blood supply to the brain.

These causes result to a decreased production of the antidiuretic hormone (ADH), which controls the retention of water in the body. As ADH levels decrease it causes a large amount of water to be lost and the urine to be dilute.

Symptoms of Diabetic Insipidus include excessive thirst and excessive output of dilute urine. Classifications of Diabetes Insipidus include neurogenic DI, nephrogenic DI, dipsogenic DI and gestational DI.

See our other articles on Diabetes disorders – CLICK HERE

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