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 Posted: Mon Apr 12, 2010 9:57 am Post subject: LTC insurance for diabetics |
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Is it possible for you to find LTC insurance with diabetes after you've been diagnosed with type-1 /type-2?
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Rogermoore
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| Posted: Mon Apr 12, 2010 8:21 pm Post subject: |
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Type II -- Highly unlikely, but not necessarily impossible. Too many variables to discuss here.
Type I -- almost certainly decline by all companies.
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MaxHerr
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| Posted: Tue Apr 13, 2010 2:34 am Post subject: |
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Yup...
InsTeacher  |
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InsTeacher
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| Posted: Tue Apr 13, 2010 11:21 am Post subject: |
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Hey, I'm an insurance broker from Fl and I believe it would be difficult for you to obtain ltc coverage at a lower rate.
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Pictorialmindset
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| Posted: Wed Apr 14, 2010 9:20 am Post subject: |
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| Well, it also depends on the carrier to some extent. Some LTc carriers will charge you an additional 25-50% premiums if you have a1c more than 7.0, but some other LTC carriers may just charge you an excess of 10% even when your a1c is worth 8.0. |
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steven
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| Posted: Thu Apr 15, 2010 7:03 am Post subject: |
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Thanks to all of you for your quick responses!
Now, please get me the names of carriers who're doing good at covering LTC risks.
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Rogermoore
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| Posted: Fri Apr 16, 2010 5:32 am Post subject: |
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| Quote: | | Now, please get me the names of carriers who're doing good at covering LTC risks. |
There are quite a few of them-
Allianz, John Hancock, Genworth Life, NY Life, UNUM, Met life, Mass mutual, Prudential, Mutual of Omaha, State farm and others.
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sil
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| Posted: Fri Apr 16, 2010 8:14 am Post subject: LTC insurance for diabetics |
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Every long term care insurer has a different way of determining if someone is insurable, especially in regards to diabetes.
Some long term care insurers will not insure someone who is taking insulin, whereas other long term care insurers can insure someone who is taking as much as 75 units of insulin per day.
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john smith
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| Posted: Fri Apr 16, 2010 3:09 pm Post subject: |
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| Quote: | | Some long term care insurers will not insure someone who is taking insulin, whereas other long term care insurers can insure someone who is taking as much as 75 units of insulin per day. |
Just be aware that, if accepted for any kind of health or life insurance, a diabetic will pay a substandard premium, or have a reduced benefit, or both.
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MaxHerr
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