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Can a diabetic person get a term plan?

It is possible to get term insurance or long-term care insurance if you have diabetes. Term protection is likely available to you, particularly if your diabetes is under control; you can get moderate rates if you react well to treatment and lead a healthy life.

With regards to diabetes, there are two types – Type 1 and Type 2. If anybody is suffering from any of these two types, they can get term coverage. Nonetheless, the process becomes simpler if the patient's diabetes has been under control for at least 6 to 12 months. Diabetic patients who are subject to insulin can likewise get term insurance effortlessly.

However, those diabetes patients who have additional health risks, for example, hypertension, obesity, or coronary heart illness, could possibly get rejected for long-term care insurance, depending upon the level of health risk they are subjected to. Likewise, those people whose diabetes is advancing and not kept in check, may not be affirmed for term insurance.