lunes, 13 de junio de 2016

CAN PEOPLE WITH DIABETES TAKE OUT LIFE INSURANCE?

CAN PEOPLE WITH DIABETES TAKE OUT LIFE INSURANCE?


For diabetics, having life insurance is of utmost importance, since diabetes is a disease with many risks. But the vast majority of the insurance companies reject the request of those who argue to diabetes at the time.

In general, insurers reject people with illnesses serious pre-existing. In cases of less serious illnesses, some companies include some kind of surcharge.

In regards to diabetes, this is considered as serious illness, since it can be the cause of complications in the future, such as kidney damage, heart disease, joint disorders and bone, damage to the digestive system, mouth problems, etc. It must be borne in mind that most diabetics suffer from diabetes type II, a type of diabetes that appears in adulthood as a result, on many occasions, obesity or a kind of unhealthy lifestyle.

LIFE INSURANCE FOR DIABETICS OF AXA

So far, Axa is the only insurance company that has life insurance specifically designed for diabetics, named responsible risk life. This insurance product arises as a result of the conclusions offered by a study indicating that the vast majority of people with diabetes are cared for and extensively control their blood sugar levels, as well as their well-being.

According to this study, a very high percentage of diabetics constant exercise and controls its power. In principle, this means that these people have much less risk of the complications discussed above, as long as they maintain that control over your illness and your lifestyle. This implies the need to treat this group completely differently with respect to what has been done so far, at least as far as life insurance is concerned.

In this sense, life risk manager of Axa insurance, is corresponding to the mode of temporary annual renewable life insurance, like most life insurance that are currently hired. This type of insurance increase your premium each year for various reasons, as the age of the insured.


Insurance life risk responsible for Axa, as well as cover the contingency of death (up to age 75), also offers a number of benefits, which include different additional services related to diabetes to improve the quality of the life of the insured.

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