Preferred Life Insurance Rates for Type 2 Diabetics

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Getting life insurance coverage for type 2 diabetics does not have to be a difficult process.  What can be difficult for some people, is finding the best life insurance rates for Type 2 diabetics.

Getting the best rates for Type 2 diabetic life insurance coverage requires working with an independent life insurance agency, such as Top Quote Life Insurance.

Top Quote Life Insurance has experience with Type 2 Diabetic life insurance coverage and knowledge of life insurance coverage options that are favorable to your unique or high-risk health class.

Type 2 Diabetics are often classified with a high-risk health class. Being considered a high-risk health class generally results in higher life insurance rates.

For Type 2 Diabetics, there are several life insurance companies that will approve you for life insurance coverage, but generally with a standard health class rating or even a substandard health class rating, which can be very costly.

Even with well-controlled Type 2 Diabetes, a majority of life insurance companies will be no better than a standard health class rating.

Voya Financial is changing that typical standard classification for controlled Type 2 Diabetics with the possibility of a preferred health class rating. When you are classified with a preferred health class rating, you will have much cheaper rates.

Voya Financial has recently announced that preferred life insurance coverage consideration is available for Type 2 Diabetics. This is a real game changer and a huge win for Type 2 Diabetics.

If you fall within the following guidelines, you have an excellent chance of receiving a preferred classification with Voya Financial.

  • Maintained doctors orders with medication
  • Keeping blood sugar levels (A1C) in excellent control
  • Have no other significant medical history
  • Maintain a healthy lifestyle
  • Meet all Voya Financial preferred criteria

Another bonus worth mentioning is, even if you’re over the age of 60 or have been diagnosed with type 2 diabetes less than 5 years ago, you can still qualify for preferred rates assuming you meet all of the other guidelines for preferred consideration.  

Voya Financial Quote for Type 2 Diabetics

If you are considering purchasing life insurance coverage and have Type 2 Diabetes that is well controlled, let’s discuss getting you some excellent life insurance rates with Voya Financial.

If you currently have life insurance coverage and were approved at a standard health class or higher, we can do a quick policy review and see if we can get you qualified for preferred life insurance rates.

Send us a message with the details to your life insurance needs and we will start working on getting you the best rates for coverage needs.

Voya Financial Formerly Known as ING

Voya Financial Life Insurance

Voya Financial is a highly respectable competitor among the many other life insurance carriers. Although Voya Financial is the company’s new name, they have been around a long time. Voya Financial was formerly known as ING.

Voya Financial offers several coverage options, but two of the popular ones that come to mind would be their Voya Term Smart and Voya Universal Life Insurance CV. Both coverage options are available for instant quotes here at Top Quote Life Insurance.

Voya Term Smart (Term Life Insurance)

Simple fixed premium term life insurance coverage available in term lengths of 10, 15 or 20 years. Issue ages from 18-80 with the option to convert to guaranteed permanent life insurance coverage either at the end of your term length or prior to age 70.

Voya Universal Life Insurance CV (Permanent)

Guaranteed fixed premium permanent life insurance coverage with issue ages from 0-90. Voya Universal Life Insurance CV coverage comes with a number of great policy riders that can be added to the basic permanent coverage.

If you are interested in any of the above coverage options, give us a call toll free (888) 777-7574 or send us your details and we’ll be happy to get you a quote.

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Jeffrey Manola

Jeffrey Manola

Jeffrey Manola is the owner and an experienced life insurance agent at Top Quote Life Insurance.His goal is to provide online consumers with the absolute top quotes for all term life insurance, permanent life insurance, and no medical exam life insurance. Not only does he strive to provide you with the best premium for your life insurance coverage, but he also wants you to be well informed about life insurance coverage options and its importance.Never hesitate to reach out to Jeffrey if you need help. Top Quote Life Insurance is more than just an online quoting agency. We want to help you save money, protect your future, and earn your trust (888) 777-7574.

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