From 9c3529ce30443f86e843bd674d33521aaa842ebe Mon Sep 17 00:00:00 2001 From: Gale Schreiner Date: Wed, 16 Sep 2026 21:04:15 +0000 Subject: [PATCH] Add How your A1C Affects your Life Insurance Rates --- How-your-A1C-Affects-your-Life-Insurance-Rates.md | 9 +++++++++ 1 file changed, 9 insertions(+) create mode 100644 How-your-A1C-Affects-your-Life-Insurance-Rates.md diff --git a/How-your-A1C-Affects-your-Life-Insurance-Rates.md b/How-your-A1C-Affects-your-Life-Insurance-Rates.md new file mode 100644 index 0000000..daa83db --- /dev/null +++ b/How-your-A1C-Affects-your-Life-Insurance-Rates.md @@ -0,0 +1,9 @@ +
Not sure what a blood test has to do with obtaining a life insurance policy? Your A1C can have a bigger impact on your diabetes life insurance rates than you think. This isn’t our decision, as many people who follow Doctors orders still may struggle with keeping their A1C reading low. But rather it’s how various life insurance underwriters will view your health profile. If there is anything that is going to tell the insurance underwriter whether or not you are taking proper care of your health and your diabetes, it is going to be your A1C. After all, he or she is trying to determine your level of risk for coverage. So if your [current](https://www.modernmom.com/?s=current) A1C is too high, you may be viewed too risky and postponed life insurance coverage. In some situations, a life insurance will ‘charge’ higher insurance premiums to an applicant if their A1C is viewed to be too high.
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It’s extremely important to speak with an agent before applying for life insurance coverage. You may benefit by holding off to apply, to work on your diabetes control, and overall health. Generally you’ll want to be 100% that your lab results will be within normal range at time of applying for coverage. Every person with diabetes will have a different health profile. Because of this, it’s important to fill out a quote request from us, and share with us your diabetes and health history. Once we have a better understanding of your current health profile, we can determine what options are available to you. Life insurance underwriters view a person’s A1C reading as one of the most critical reading into their control of their diabetes. We all know an A1C isn’t the only way to view a person with diabetes health, but companies are going to put a greater emphasis on this than your Doctors do.
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If you are one of the several people who do everything they are told, and still struggle to get your A1C below 7.0, it’s possible to explain all this to an underwriter. We only help those with Diabetes with their life insurance needs. In fact, this entire website is solely focused on Diabetes related topics. Our goal is to be a resource to you and your family. Especially if needing assistance in finding the best life insurance policy possible. But, like anything else, it is not that cut and dry. Let’s dig deeper into the connection between your A1C and life insurance, shall we? If you are living with diabetes and have been seeing your medical professional regularly - as you should be - then you are likely already aware of what the A1C test is. However, for those who are not familiar, the A1C test is a blood test that those with diabetics take to measure blood glucose levels over a span of a few months.
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It measures the percentage of hemoglobin proteins attached to [GlucoLife Glucose Support](https://schreinerei-leonhardt.de/glucolife-supplement-comprehensive-overview). Per the CDC "The A1C test-also known as the hemoglobin A1C or HbA1c test-is a simple blood test that measures your average blood sugar levels over the past 3 months. It’s one of the commonly used tests to diagnose prediabetes and diabetes, and is also the main test to help you and your health care team manage your diabetes. Please note that the A1C test does not provide day to day increases or decreases in glucose levels. Having this test conducted regularly is crucial for proper maintenance of diabetes. It gives you and your doctor a very good idea as to whether or not your blood sugar levels are staying within the healthy, targeted range. And most importantly, it shows companies what your current control of your diabetes is. If applying for a policy that requires a review of medical records, Underwriters love seeing people who see their Doctors two to four times annually.
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This will help them get an idea of your A1C history by reviewing these notes and records. We’ll also note that insurance companies prefer ‘level’ and steady A1C readings in your profile. It is important to keep in mind that, while the A1C can provide a lot of very important information regarding the state of your diabetes (or prediabetes), it does have its limitations. For instance, It cannot be used to diagnose or monitor gestational diabetes as there is a high probability of a false result. Gestational diabetes is not the only thing to affect A1C results. In fact, there are quite a few health conditions that will likely give false results. Why are we sharing this information? It is important that if you have these conditions and you are having your diabetes monitored using the A1C test, you could be getting false readings - and therefore should seek alternatives.
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