If you have a health condition, getting life insurance can be harder than for someone healthy. Conditions that shorten life expectancy mean higher risk for insurers, so people with health issues often pay more or might not get coverage. If you have type 1 or type 2 diabetes, your blood sugar levels can influence how much you pay for life insurance.

For people with diabetes looking for life insurance, your blood sugar level is key because it shows how well you're managing your diabetes. If you need a medical exam for life insurance, lowering your blood sugar naturally can help get a better rate. Why are lower Hemoglobin A1C levels important? Your blood sugar changes throughout the day, based on exercise and what you eat. Normally, fasting blood sugar should be between 70 and 99 mg/dL. For diabetics, aiming for under 130 or 140 mg/dL is good, but the best levels are between 100 to 120 mg/dL.

When applying for life insurance, the company will likely check your A1C levels to see your average blood sugar over the last three months. This test is useful because it's more reliable than a single blood glucose test, showing how well you're managing your diabetes. If you need a medical exam for life insurance and want to lower your A1C levels quickly, eating foods low in sugar can help keep your A1C stable.

Exercising helps your body use insulin better and makes your muscles use more glucose, reducing your blood sugar levels during and after exercise. The American Heart Association suggests at least 30 minutes of moderate exercise daily, five days a week, like using an elliptical machine, biking, swimming, or brisk walking. Exercise is great for lowering blood sugar levels, but it should be part of your daily life, not just to get a good A1C result. Changing your diet is also key for anyone looking to lower their A1C naturally. A healthy diet makes you feel better and can lower your blood sugar by choosing the right foods and limiting the wrong ones. Carbs turn into sugars in your body, and too many can raise your blood sugar if you have insulin issues. Learn about the Keto Lifestyle and how it can help manage blood sugar.

To improve your A1C test results, focus on eating low glycemic index (GI) foods, which don't spike your blood sugar as much. A study in Diabetes Care in 2003 found that cinnamon can help your liver and muscles respond better to insulin, helping manage blood sugar levels with less insulin needed. Also, to lower A1C levels through diet, cut down on processed and junk foods, which add sugars that could affect life insurance rates. Instead, choose whole foods for better blood sugar control. Along with regular exercise and watching carbs, here are simple ways to control blood sugar: increase fiber, practice portion control, drink plenty of water, manage stress, sleep well, eat foods with magnesium and chromium, and lose weight if needed.

Lower A1C levels can lead to better life insurance rates. Insurers look at A1C results when setting premiums for diabetics. A reading under 7.0 could mean standard or even preferred rates. Results between 7.1 and 7.5 might still get coverage, but over 8.0 might mean much higher rates. For some, a guaranteed issue life insurance policy, which doesn't require a medical exam but may cost more, might be the best option. Do your homework before choosing a policy.

Keeping A1C Levels Low for Better Life Insurance Rates. If you're looking into lowering your blood sugar or finding the best ways to maintain low A1C levels for a life insurance exam, regular exercise and diet changes are key. Knowing about your diabetes and taking steps to manage your blood sugar not only improves your chances of getting a good life insurance rate but also leads to a healthier lifestyle in the long run. Get a quote now...

Author: HassanHelps

HassanHelps is just like you—he's on meds too. HassanHelps is about reality in life insurance. He's been through good times and bad. HassanHelps knows you have special needs, and he's here to help guide you through the life insurance process.