Costs of Life Insurance For Diabetics

If you were diagnosed with diabetes (type 1 diabetes, type 2 diabetes, or gestational diabetes), it can be a bit more difficult to obtain term life insurance, but it is not impossible. Because costs will be higher than a non-diabetic, it's best to compare rates from different companies, so to get the best rates possible.

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Diabetics face some challenging problems in their life, but they should not believe people that tell them they cannot be covered by a life insurance policy. Many insurance companies do insure people with diabetes. Simply complete a quote form and get a personalized quote for your specific situation.

Diabetes - Causes, Symptoms, Management

Diabetes mellitus is a chronic disease affecting humans which is distinguishable because of the excessive amount of sugar residing in the blood. There are two variants, namely type 1 diabetes and type 2 diabetes. Type 1 is an auto-immune disease and is caused through the absence of insulin-manufacturing cells within the pancreas due to the body’s immune system destroying the cells (termed beta or islet cells). This then causes an insulin deficiency. Insulin is a hormone which allows food to be broken down to produce energy. Type 2 on the other hand arises from cellular inability to absorb insulin.

Diabetes is rapidly increasing around the world, most notably throughout the developed countries. In 2010, there were approximately 285 million cases around the world, with type 2 accounting for 90 percent of the overall cases. Forecasts suggest that these numbers will increase by the year 2030 by 100 percent.

What is the Cause of Diabetes?

Type 1

Type 1 diabetes is a genetic disposition which is frequently triggered after an infection. The body’s immune system destroys insulin-producing cells, leaving the body with insufficient levels of insulin. Type 1 diabetes is unrelated to lifestyle, and it is common among children, hence the reason it’s also called juvenile diabetes.

Type 2

Type 2 is regarded as a lifestyle disease, and is particularly associated with obesity. Nevertheless, not all type 2 sufferers are overweight. It can be a genetic disorder which once again may be triggered by environmental variables. Disorders such as polycysytic ovarian syndrome (PCOS) which is a common female endocrine disorder, in addition to various medications such as glucocorticoids, may elevate the risks for the onset of type 2 diabetes.

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Symptoms of Diabetes

In fact, both types of diabetes may demonstrate similar symptoms. Here are the common symptoms:

Type 1 Diabetes

  • High levels of thirst
  • Frequent urination
  • Extreme hunger
  • Bouts of unusual weight loss
  • Extreme fatigue as well as irritability

Type 2 Diabetes

  • Any of the type 1 symptoms given above
  • Blurred vision
  • Frequently occurring infections
  • Cuts and bruises that are particularly slow to heal
  • Tingling and numbness in the hands and feet
  • Recurring gum, skin, and/ or bladder infections

Mismanaged diabetes may also lead to microvascular changes. This can result in adjustment to vision, wounds that are slow to heal particular in the legs, as well as reduced sensation within both hands and feet, which in turn means more susceptibility to wounding.

Treatment of Diabetes

Currently there is no cure for diabetes, although management through medication such as insulin and oral hypoglycemics, as well as lifestyle modification such as increase in physical exercise and a closely controlled diet should help. Periodic medical check-ups and regularly tracking blood sugar content are both essential in the management of diabetes.

For those who find their diabetes particularly difficult to control, a pancreatic gland transplant is an option, although the operation is regarded as a last resort.

Smokers should try to give up, and alcohol consumption reduced to a minimum as both activities may hasten the development of further complications.

Some helpful sites if you suffer from diabetes:

Other important tips about diabetes:

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