Life Insurance Approval with Gestational Diabetes
Finding an affordable life insurance policy with Gestational Diabetes can be quite the challenge.
Don’t fret. We can help! Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
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 Gestational Diabetes? And if so…
2. How much will it cost?
Can People Who Have Gestational Diabetes Be Approved for Life Insurance?
Yes, most individuals with Gestational Diabetes will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
How Much Will it Cost?
Best Case Scenario – A “Standard” rating can be given only to a woman who is not currently pregnant even when she has a history of Gestational Diabetes. It would, however, be important to determine the complications that arose during the pregnancy. Otherwise, if there were no serious complications such as seizure, then regular rates will apply. Click here for quote at “Standard”.
Severe Case – A woman who is CURRENTLY PREGNANT and who has a previous history or has been recently diagnosed with Gestational Diabetes will get an automatic decline. With women who have had a history of Gestational Diabetes, but is not currently pregnant may qualify for a Standard life insurance coverage.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
The following questions will help determine whether an individual with Gestational Diabetes would be rated at “Standard” or will be declined:
Have you been diagnosed to have Diabetes before pregnancy?
Diabetes that is diagnosed before pregnancy is easier to manage because of the existing history of the disease. Gestational Diabetes, on the other hand, is difficult to manage because of the fluctuating glucose level that poses a higher risk to the woman and the baby, which is why it gets a decline.
Are you currently pregnant?
If you have a history of Gestational Diabetes, but is not currently pregnant, the chance of getting a Standard rating is high. If you, however, are pregnant at the moment you will have to wait for the pregnancy to be over or you will get an automatic decline.
Do you have a current check-up with your endocrinologist?
Your doctor’s medical evaluation will be the most accurate means to assess your actual health condition. This will be used by the insurance company to determine an appropriate rating class.
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Have you had any relevant diagnostic tests in the past 6 months?
Recent laboratory tests like FBS, RBS or OGTT will confirm your blood sugar levels and will also ratify your compliance with your physician’s management.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
How 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 Gestational Diabetes
Gestational Diabetes or GDM is a condition caused by glucose intolerance during pregnancy that leads to markedly increased blood sugar levels. This is most commonly observed during the third trimester, and is caused by the hormonal and metabolic changes of pregnancy.
The symptoms of GDM are usually determined by a screening test for blood glucose and an OGTT (Oral Glucose Tolerance Test).
The most common complication of Gestational Diabetes is an infant born that is exceptionally large. This poses labor and delivery complications to the mother, which in some rare cases may even cause pre-eclampsia, eclampsia or even death.
See all out other articles on Diabetes disorders and Click Here