Diabetes impaired risk underwriting


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License #'s: for Lewis Fink, CA: OC38446 MT: 29724 F00-0283-LC 

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                                             Diabetes

Obtain a tentative life insurance offer for an impaired underwriting risk that involves Diabetes by completing the form below:

* required information

**Please use TAB key to proceed to the next question field, not the ENTER key.**     

Applicant's Name*:
Applicant's Address*:
Applicant's Phone Number*:
Applicant's E-Mail Address*:
Date Of Birth:
Sex: Male Female
Height:
Weight:
Occupation:
Death Benefit:
Type of Product: Term Universal Whole Life
Second to Die Variable
Have you ever used tobacco or nicotine products? Yes No
If yes, what type of product did you use? (Select all that apply)
Cigarettes Cigar Pipe Other
2. Date diagnosed?
3. Type of medication and dosage:
4. Have you ever been hospitalized for diabetes? Yes No
When?
Duration?
5. When did you last see your doctor?
How often do you visit?
6. Do you have glycohemoglobin AIC tests done? Yes No
Result
Do you test your own sugar? Yes No
Do you know the most recent result? Yes No
When?
Date of last blood glucose level:
Result:
Are you and your doctor pleased with your control? Yes No
7. Have you had any kidney problems? Yes No
Any protein in the urine? Yes No
8. Have you had any problem with your eyes? Yes No
Any treatment? When?
9. Any high blood pressure? Yes No
When?
10. Any "heart trouble"? Yes No
(If Yes, Please complete the Heart Questionnaire also.)
When?
11. Any neurological symptoms, loss of feeling in your feet?
12. Additional Comments?

 
 

 

Diabetes

Clinical Underwriting9 Case Study

History:

Occasional tobacco chewer, never smoked cigarettes. Urinalysis negative for nicotine and protein. Diagnosed with diabetes at age 10. Cholesterol is 180 (HDL = 50, LDL = 70), no complications, blood pressure 130/70. Good regular follow-up visits with his doctor. Negative current stress EKG, and A1C is 7.0.

Family History:

Both parents are healthy in their 70's

Non-smoker, well controlled diabetic without complications.

Excellent management of risk factors, with no evidence of heart disease.

Face Amount:
$500,000

Age: 

43

Height: 

6'0"

Weight: 

190

Gender: 

Male

Occupation:

Sales 

Current Treatment:

Insulin Via Pump 

 

Declined from other Life Insurance Companies

Do you Have A Medical Condition For An Impaired Risk
or Participate In A Hazardous Hobby?


Click on the topic below to complete an impairment questionnaire.
We will respond within 72 hours.

Have questions... Send an e-mail to the "Doc"


Related Information

Diabetes Care

About Diabetes

Application underwriting your life insurance policies

Determine your underwriting classification

Decision chart could help you decide the type of life insurance to purchase

TermLifeAmerica.com- Lewis Fink is licensed as an insurance agent offering Life Insurance in the following states: Alabama - AL, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, New Mexico - NM, New Jersey - NJ, New York - NY, North Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, and Wisconsin - WI.  

Not all insurance products from all insurance companies are available in all states.

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                                                  Diabetes impaired risk underwriting