Long-Term Care Insurance and Diabetes with Heart Disease

There are four main types of long-term care coverage: traditional long-term care insurance, long-term care partnership programs, life insurance with long-term care riders, and annuities with long-term care riders. The best type of policy for people with diabetes with heart disease is usually a traditional long-term care policy or a long-term care partnership program. However, everyone’s situation is unique. Click here to try our proprietary “Policy Finder” tool (no phone required). It will give you an instant ranking of the four types of policies based upon your answers to a few short questions.

Yes, you will pay more for long-term care insurance if you have diabetes with heart disease. However, every long-term care insurance company is different. Some long-term care insurers may charge applicants up to 20% more due to your having diabetes with heart disease. Other insurers may charge applicants up to 50% more due to your having diabetes with heart disease. That’s why it’s important to work with an long-term care insurance professional who can help you shop around and compare several different policies. 

Yes, you can qualify for long-term care insurance if you have a family history of diabetes with heart disease. Most long-term care insurance companies are not concerned when there’s a family history of diabetes with heart disease.

We always advise our clients to apply for long-term care insurance before they get genetic testing. If you have a genetic test that shows you could develop diabetes with heart disease, you will probably still be able to qualify for long-term care insurance. To make sure, click here to schedule a 15-minute conversation with one of our long-term care insurance specialists (no obligation). 

Some long-term care insurers do not require a physical if you have diabetes with heart disease. Most long-term care insurance companies will review your medical records in order to determine if they can insure you. Ask your long-term care insurance specialist what underwriting criteria each company will use before deciding which long-term care insurance policy is best for you.

Long-term care insurance specialists have less than 20% of their applicants declined. Insurance “generalists” have about 50% of their long-term care insurance applications declined. With over 25 years of experience, we can pinpoint exactly which company (and which type of policy) you’ll be able to qualify for. We have about an 80% success rate in helping our clients get approved even if they were previously declined.

When were you first diagnosed with diabetes?

What prescriptions have you taken in the last year for diabetes?

Have you ever been hospitalized or required an emergency room visit due to diabetes? If so, when?

What were your A1c readings over the past 12 months?

Have you used any type of tobacco in the past 12 months?

Do you use insulin? If so, how many units do you use, on average, each day?

What kind of heart disease do you have?

Do you have any carotid artery disease?

Have you ever had a retinal artery occlusion?

Have you ever had a retinal vein occlusion?

Do you have any diabetic complications, like macular edema, neuropathy, numbness or tingling in your extremities or nephropathy?

Do you have retinopathy? If so is it mild and non-progressive?

Have you had any skin ulcers or amputation due to diabetes?

Have you ever had a stroke or a mini-stroke, also known as a Transient Ischemic Attack (T.I.A.)

Have you ever had a stroke, also known as a Cerebral Vascular Accident (C.V.A.)