If you have diabetics, there are options for you if you want a good life insurance policy. You don’t have to leave your family without any life insurance policies after your death. What option are the best? The life insurance with a medical exam or the life insurance without the medical exam?
Life insurance with the medical exam
There are a lot of life insurance companies that will give live insurance to diabetics if they have a medical exam. With a medical exam they will know exactly how healthy you are and if you are living a healthy life with eating right and exercising regular.
Life insurance companies with the medical exam can be much cheaper than the life insurance policies without the medical exam. If you have diabetics that are under control and it doesn’t give you other health issues, getting life insurance with the medical exam might be the best option for you. But, if you have diabetics that are out of control and you know that you are living a very unhealthy lifestyle with smoking, drinking and being overweight, getting a life insurance policy with a medical might not be such a great idea. You are going to pay a lot of money each month for the premiums. Then you must consider other options.http://www.insurancequotehq.com/how-to-get-a-life-insurance-quote-as-a-type-2-diabetic/
Life insurance without the medical exam
Getting life insurance without any medical exam, the premiums are in general higher, because the life insurance companies don’t know if you are in the higher risk category.Life insurance without the medical exam is not always the best idea, but for some people with illnesses like diabetics, it can result in a better premium. For instance; if you are healthy and still having diabetics and living a healthy lifestyle with exercise and eating the right food, it will not be a great idea to get a life insurance policy without a medical exam. Your premium would be less if you are getting a premium with the medical exam. But, if you have diabetics and living an unhealthy lifestyle with no exercise and eating just what you want, you are better off getting a life insurance policy without the medical exam.
For some people getting a life insurance policy with a medical exam, the premium can be lower. For other people without a medical exam the premium will be lower. It all depends on if your diabetic is under control and if you are living a great and healthy lifestyle.
Getting life insurance with or without a medical is your own decision. You know if you are healthy or not. In normal circumstances it is better to have a life insurance policy with a medical, but it is not always the case. So, there is no specific answer for the question: What are the best for diabetics; medical exam or no medical exam for getting life insurance? It all depends on your personal needs and lifestyle.
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