Life Insurance for Diabetic Senior
Having diabetes as a senior and trying to get life insurance does not need to be as 
complicated as some companies make it. After all, as a senior, having controlleddiabetes, is not as much of an issue as it used to be.
Of course the type of diabetes will make a difference on the plans that would be availableand the final rates. In most cases, a senior with non-insulin depend diabetes (type II) will be more likely to get lower rates than a senior with insulin dependent diabetes (type 1). Either way, as long as the diabetes is controlled, good coverage should be available. Some insurance companies even specifically advertise about their diabetic friendly polices.
What kind of plans are available for seniors with diabetes?
Again, that may greatly depend on the seniors type of diabetes and other present or past health factors. It will be harder to get coverage for a diabetic senior who had a heart attack or kidney problems than one who is only affected by diabetes and has it under control.
In general, type II diabetic seniors can qualify for either term life insurance or whole life insurance. In some cases, depending on the amount needed, no insurance exam should be required and the underwriting process can take as little as 48 hours. In the case of a type 1 diabetic senior, only whole life may be available. Particularly if we are to only consider a no exam required life insurance plan.
If a senior needs a larger amount of insurance (usually over $100,000) and an insurance exam would not be an issue, depending on the age of the senior, both term life insurance and whole life insurant should available. Please, always make sure to tell your advisor about all your past an dpresent your health condition(s).
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