Diabetes Lifeline: Life Insurance?

SOS Again: I’m back now with another pressing question for , the newest “community class” I’ve made to post some of the allure I get via email. So many people in need of assistance… I’m hoping you can respond with your experiences and offer a helping hand.

Recently I received this email from a mother named Pat:

My son Matthew is 33, married with an 11 year-old son. He had been diagnosed with Type I diabetes in the age of 30. Matthew was turned down for life insurance through his company because of the diabetes. Matthew functions so difficult to keep his insulin and is so cautious. He’s just devastated he can’$™t get life insurance for child and his spouse. Do you have any experience with this scenario you could share with us? Any help you can give would be appreciated by us. Surely there’$™s?

I got the chance to personally question her son, Matt Collins:

Were you able to get any coverage from the employer?

I managed to get medical care through my business, but no life insurance. I never had the chance to prove that I’m in great health (even though being T1 diabetic). I filled out the enrollment form (which just wanted basic advice about chronic diseases) and shipped it in. The only correspondence that I received was out of the business told me that my loved ones was approved for life insurance but that I was declined. The method by which in which the registration form was put up, it seemed to me that no matter what chronic illness you’d or recorded, they weren’$™t likely to approve you. (I’m not positive if that’$™s their lawful right or not, but I do know that they made NO mention about that requirement on the form.)

What about the risk/emotional cost for you and your loved ones?

Initially I was very angry. But then I felt inadequate, depressed, and stressed for my loved ones.

To tell the truth, after all this time that I still harbor’$™t discovered insurance. But I harbor’$™t been looking either. The whole ‘$œlife insurance’$� encounter has a bad taste in mouth — so that I’$™ve to have properly encouraged in searching for life insurance firms.

Apologies for the inconvenience — I hope you will re-try to include your input here. ****

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Disclaimer

This content is made a consumer health blog focused on the diabetes community, for Diabetes Mine. The content is not medically reviewed and does not adhere to the editorial instructions of Healthline. For more information regarding Healthline’s venture with Diabetes Mine, please click here.

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