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so type one diabetes is pretty much is your day-to-day life once you have it
normally it's genetics that you get type-1 diabetes from
but i happen to get it late and i was twenty three when I was diagnosed
it was about twelve years ago it was right after nine eleven I remember that
it took me about a month before I went in to the doctor and during that time dropped about
twenty pounds
now i was diabetic so...
uh... yeah i was lucky I caught it early so that was the main thing was recognizing and cathing it
early
diabetes is a growing concern in
society and coinciding it's a growing concern for underwriting as well
what my job basically is is to help people get that life insurance that they
need and get them
going with the right carrier and give them an idea upfront of what kind of rates that they're going to be
expecting
you know i hadn't ever really thought about my life insurance before i was diagnosed
and then after I was diagnosed with diabetes I started thinking about my health more
I mean the main thing I mean life insurance for anybody is you want to
take care of your family
if something happens to you your family you want to make sure is taken care of um... you know
whether it be
uh... helping them out with day to day stuff or paying off the mortgage that you have or
trying to set up your kids for college
it's not about you it's about your family uh... so
uh... and it's not so much thinking that something bad is going to happen
it's making sure that if that happens
you don't need to worry about it you know so you don't worry about it when you're around
I had to actually plan
when i was gonna have a baby so that she could be healthy
so that's kind of when i actually started thinking about life insurance
was ok, I know that i can take care of my diabetes and now i've got
a daughter and I want to make sure she's protected I'm not just thinking about her but i'm also
thinking about my husband as well because if i die tomorrow i make about the
same amount of money that he does and so
i wanna make sure that he's protected and doesn't have to worry about
taking care of her. Well some of the common misconceptions that people have when they
apply for life insurance is that the because they're a diabetic or they're taking medications
that they're not going to be able to qualify and that's typically not the case. If you do it right and you
educate yourself and you start doing a little bit of research online you can find companies
that have agents that know their stuff and that have that basically you can shop and compare with
more carriers than one. uh... you know the numbers the statistics are out there and
i know between type one in type two I know the type two numbers have gone
sky high
you know type one not as much but
um...
still i mean this coverage regardless of what type you have out it's out there. you have to become
your own advocate when you're a type one diabetic because it's called the silent killer
so a lot of people die from diabetes related illnesses or injuries so
it's basically just taking care of yourself monitoring getting your
going to the doctors as much as you can
and making sure you're taking care of yourself. I'm eating healthier than
you know I ever would have anyway so you know that's one of the
good things make sure that i have to exercise and you know
you got to be on top of it. based on your specifics what your lab work runs
what your a one c runs
what your umm...
glucose readings are
that's going to determine how you're going to be rated
there are preferred rates there are standard rates and there are sub standard rates
just like it is with any type of car insurance homeowners insurance things like that
it all depends on what type of a risk you are these days the carriers are
looking more towards what your level of control is they don't care what type of
medication you're using just as long as you're controll is good
um... well again it kind of goes back to there's coverage out there
you know uh... we'll find it for you
it's uh... it's really finding the best companies that are out there
uh...
uh... they're there they want to help they want to give you a policy so
we're gonig to do our best we don't want to turn you away
I'm steve campbell I'm an insurance agent and i'm a type one diabetic
my name is heather foster I'm a marketing manager and I'm a type one diabetic. hi I'm mike woods
I'm the agency underwriter here and
i myself am a diabetic