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Does gestational diabetes affect life insurance?



Different life insurance courses

When you apply for life insurance, the insurance company evaluates your application and your medical history. Through this process, they determine how much risk you would be for them to insure. This risk assessment determines your price range.

Price ranges are divided into non-tobacco and tobacco classes. If you qualify for Preferred Plus, you get the best possible price on your life insurance. The table below shows an example of how pricing correlates with the course class you receive.

If your gestational diabetes disappears after delivery, some life insurance companies are willing to offer Preferred Plus six weeks later. At the same time, some insurance companies would not offer Preferred Plus until after five to ten years.

You read that right. You can get the best possible price either six weeks after the birth or ten years, depending on whether you apply to the right life insurance company.

Applying for life insurance via Quotacy ensures that you get the best price. You do not have to worry about choosing the right insurance company because your agent will make sure that you are matched with what is most tolerant of your history of gestational diabetes.

If your case of gestational diabetes develops into type 2 diabetes, the life insurance company will rate you based on type 2 diabetes not pregnancy. Read more about how type 2 diabetes affects life insurance here: How does diabetes affect life insurance prices?

Apply for life insurance

When you are ready, it is very easy to apply for life insurance through Quotacy.

Step one is to get free quotes so that you get an estimate of what your life insurance can cost. You can see real-time estimates without even giving away any of your contact information.

»Get free quotes: Life insurance quotes

Keep in mind that your quote may or may not be your final price. If there have been any complications regarding your history of gestational diabetes or type 2 diabetes, your final offer may reflect this.

But know that your Quotacy Agent will work hard to find the best possible price for you. Your agent will also keep you updated every step of the way as your application goes through the buying process.

If you are not happy with the final offer from the insurance company, you are not obligated to accept it. If this happens, your Quotacy Agent will be happy to work with you on other life insurance options. Or you can choose to wait and apply later when the time has passed.

We recommend that you apply for and accept life insurance as soon as you start a family. Children are the main reason why life insurance is necessary. They completely trust you and you are responsible for making sure they grow up happy and healthy. Life insurance protects their future should the worst happen and you should die unexpectedly.

If you are not approved on Preferred Plus and think your conclusion is higher than previously thought, consider saying "yes" to the coverage anyway. You can always apply again later to see if you can qualify for lower prices after the time has passed. You never know what tomorrow might bring. Having life insurance now protects your family's financial future.


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