How to Win at Life and Life Insurance Diabetes

A recent article from the Hilton Head Health Institute stated, "The evidence is growing that diabetes - especially "late onset" type 2 diabetes - is becoming an epidemic. American's well-known attachment to the "couch potato" lifestyle - fatty, high calorie foods and an aversion to exercise - may be the contributing factor to the spread of the disease. On the opposite side of the coin, the healthy lifestyle is believed to contribute to diabetes prevention and management." A January 9, 2006 New York Times article declared, "that the Centers for Disease Control estimate that 21 million Americans are currently diabetic while 41 million more are suffering from pre-diabetic symptoms, and many aren't even aware of it yet. Over the past decade, the rate of diabetes has increased 80% in the US. Yet most health officials still emphasize the threat of communicable diseases, which are far less deadly than chronic conditions such as diabetes."

Any life insurance agent that has been around for very long will attest to the statements made in that article. Diabetics now make up a large percentage of our client base and the number of people diagnosed as diabetic or pre or borderline diabetic on life insurance exams has sky rocketed. While most diabetics are insurable at fair rates, it is alarming to see how many diabetics have truly stayed somewhat uneducated about their condition and do not fully comprehend or care about the fact that diabetes can have a compounding effect on other health issues and ultimately be at least the root cause of a health decline that leads to an early death. Those diabetics who do take the situation seriously, educating themselves, monitoring their diabetes and taking control of other risk factors such as hypertension and obesity, can ultimately lead a long, healthy life. Not surprising that this group is also rewarded with life insurance rates that reflect their concern with their own longevity. It should be no secret that life insurance companies reward those who have an interest in their own mortality.

Those that do not take care of themselves are usually still insurable, but will pay a premium that reflects the end of the risk pool they have chosen to swim in. Not understanding the disease, not monitoring your glucose on a regular basis, not changing your lifestyle and not being compliant with your physician's suggestions will all contribute to higher rates that you really have to pay if your concern factor was a bit higher. Good quiz for a diabetic: Do you know what your hbA1C, or A1C level is? Do you even know what it is referring to? The A1C, a test done by your physician every time you have a checkup is a measure of how well you are controlling your diabetes. Blood glucose binds to the hemoglobin through a process called glycosylation. The higher the blood sugar the more the glucose binds to the hemoglobin. A blood test can measure the amount of glycosylation that has occurred revealing the average blood glucose levels for the previous three to four months before the test.

Diabetes- Getting Down to the Basics

What is diabetes?

Diabetes is a disease where your blood glucose (sugar) levels are above normal. It results from the inability of the glucose to get into your cells. As a result your cells are starving for their food (glucose). It would be like a starving person surrounded by tables of wonderful food but their mouth has been sewn closed and they can't eat.

About 17 million Americans are believed to have diabetes and one-third of those patients don't even know they have it. Diabetes can cause serious health complications including heart disease, blindness, kidney failure, and lower-extremity amputations. Diabetes is the 6th leading cause of death in the US. And most diabetics develop heart disease. In fact, just having diabetes carries the same risk of having a heart attack as someone who has already had such an event. Therefore it is very important for patients that have diabetes to also have a physician that closely monitors and treats their cholesterol levels as well as their blood pressure. Additionally, any use of tobacco products multiplies the risks and should be stopped.

Are there different kinds of diabetes?

Certainly. But the basic features of the disease are same. In any form of diabetes there is some underlying reason why your body is not able to utilize glucose (sugar) for energy, and that causes the levels of glucose (sugar) in your blood build up above normal. There are three areas that are important for you to understand in diabetes. First, the cells in your body which use the glucose are important as they must be able to remove sugar from the blood and put it inside the cell as a fuel. Secondly, the insulin which is made by your pancreas (an organ near your stomach) is important to allow the sugar to enter the cell (the key to unlock the door to enter), and lastly, glucose which is broken down from your food or from muscle and liver from a storage form of glucose called glycogen. Now if you think of the disease diabetes as involving a locking gas cap on your car, it will be easier to understand.

If you understand how a locking gas cap works, then you can understand how diabetes works. All of the cells in your body have a locking gas cap on them. Insulin is the key to the locking gas cap, and glucose would be the fuel for the car. In one form of diabetes, the body totally quits making insulin (keys) so you can't get glucose (fuel) into your cells. In other forms of diabetes, your body makes some insulin (keys) but not much as your body needs. Therefore, only a few of the cells can be unlocked and opened to put the glucose (fuel) inside. Another thing that happens is that some of the locks on the cells become rusty and won't work properly. So even if you have insulin (keys) you can't get the cells to open. This is called insulin resistance. If the cells won't open, you can't get glucose (fuel) inside the cell for energy. The result of all of this is excess glucose in your blood.

Types Of Diabetes.

Type 1 diabetes is usually diagnosed in children and young adults and only accounts for 5-10% of diabetes patients. In type 1 diabetes the pancreas doesn't make any insulin (keys) at all.

Type 2 diabetes is the most common form of the disease. It accounts for 90-95% of all the cases of diabetes. In type 2 diabetes, either your body doesn't make enough insulin (keys), or the cells in your body ignore the insulin (the lock is rusty and doesn't work) so they can't utilize glucose like they are supposed to. When your cells ignore the insulin, as mentioned above, it is often referred to as insulin resistance.

Other types of diabetes which only account for a small number of the cases of diabetes include gestational diabetes, which is a type of diabetes that only pregnant women get. If not treated, it can cause problems for mothers and babies and usually disappears when the pregnancy is over. Other types of diabetes resulting from specific genetic syndromes, surgery, drugs, malnutrition, infections, and other illnesses may account for 1% to 2% of all cases of diabetes.