Qualifications

• AARP offers life insurance for diabetics because of the need for coverage for people who are otherwise often turned down. For more than a decade, the company has been offering this option, and it claims that people between the ages of 50 and 80 cannot easily be turned down for its insurance, which has made it very important to diabetics. They must answer some simple health questions, and then they learn whether they have been approved.
  
  

Function

• The AARP Life Insurance for Diabetics plan exists to make sure that diabetic individuals who are having trouble getting life insurance coverage because of their disease are able to get insurance to pay for their funeral and burial expenses. It can also help to cover their debts if they leave any behind. There are many other insurers out there, but a large majority of them will not cover diabetic individuals, and those who do often set the premiums so high that most people cannot afford them. The AARP Life Insurance for Diabetics is the last resort insurance plan for many diabetic people.
  
  

Concerns

• Diagnosing and treating diabetes is very important from a health standpoint, but people who have it are sometimes afraid to admit it on their insurance forms for fear of being turned down. AARP understands that there are different forms of diabetes, which is why their Life Insurance for Diabetics is offered at lower rates than can be found with most other companies. Being aware of how diabetes is classified and what kind of risk the different forms of it entail makes quoting insurance a more exact science through AARP.
  
  

Benefits

• Whether people have type I (insulin-dependent) diabetes or type II diabetes, which often requires only diet and lifestyle changes and oral medication, they can secure coverage under the plan as long as they are at least 50 years old. Spouses can also be covered as long as they are no younger than 45. Rates will vary, however, depending on age, other medical problems, the form of diabetes, how long they have had it and if it is well-controlled.
  
  

Warning

• As with any insurance product, it is very important that you understand completely what you are buying. With the AARP Life Insurance for Diabetics, people who are otherwise healthy can get life insurance at rates that they can afford in most cases. However, it is vital that you be upfront about your condition and any details regarding it that are asked for. If you lie on an insurance application, AARP may not be required to pay out to the family on their claim when you pass away.