Diabetes coverage.
Let’s get you covered.
The majority of the quote requests fielded by youareinsurable.ca are from Type 1 or Type 2 diabetics. One in three Canadians is living with diabetes or is pre-diabetic. Traditional insurers charge as much as triple the premiums for Type 2 diabetics and often flat out decline Type 1 diabetics for coverage.
Understanding.
Type 1 diabetics and insulin dependent Type 2 diabetics face the most resistance when trying to get life, disability and critical illness insurance coverage. This stems from the fact that people living with these illnesses have a much higher risk of heart attack, stroke and cancer.
Navigating.
Compounding the decline rate is the fact that many Type 2 diabetics struggle with weight issues. Most insurers will offer rated (higher cost) coverage for a non insulin dependent Type 2 diabetic only to decline coverage during underwriting because of their weight/height ratio.
You are insurable.
In fact, we have found affordable coverage for 100% of the diabetics who have contacted us for coverage. Our successes include Type 1 and 2, insulin and non-insulin dependent and those struggling with weight issues.