Diabetic? Some not so good news

So what is new? who would want to be ill anyway?

The not so good news to the agent (as far as life insurance is concerned) is that the probability of the home office rejecting your application for a new policy is very high – even with loading (extra charges imposed for sub standard applications). This translates into no income but personally for me, its more sad to the client’s ears because there is not a possible way for me to solve their medical bills with a sufficient amount of coverage. And it is so ironic when these are the same people who would be willing to pay double, triple or even quadruple of the normal premium rate for a decent peace of mind.

This year alone, I have met more than a dozen people who had all the money to purchase but were unfortunately unable to do so due to their current medical condition, mainly being diabetic. What’s a diabetic?

According to wikipedia, diabetes is a syndrome of disordered metabolism, usually due to a combination of hereditary and environmental causes, resulting in abnormally high blood sugar levels (hyperglycemia). Read more here.

From experience, it is so so so hard to kill the temptation for that 1 scoop of ice cream or the ‘seductive’ chocolate cake at the dessert table. But what might be harmful to your body now, might cause terminal illness at a later point in your life.


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