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Term Insurance Advise for Diabetic person

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31 Aug, 2023 by  AMAN BHARDWAJ

I am a 31-year-old male, and work as a software engineer. I have a diabetes condition for past 2 years ( pre-diabetic range currently)

I received a below quote from one of the term insurance provider, considering my Diabetic condition, and occasional smoking.

Sum Insured - 2CR

Policy Term : 40 years (coverage from policy issue date will next 40 year)

Pay Term : 15 Years

Premium : 1,20,000 / Annually

Benefits - No rider benefits, insured amount given in case of death

Please suggest if this is a good offer ?

Term Life Insurance

1 Answer

10 Sep, 2023

Hello Aman,

Getting term insurance can be challenging for individuals with a medical history of diabetes, even if it's in the pre-diabetic range. Term insurance premiums can vary significantly based on individual factors and the insurer's underwriting policies. Fortunately, there are specialized term insurance plans designed to provide coverage for individuals with diabetes, such as the Bajaj Allianz Life Diabetic Term Plan.

To find the most suitable coverage, I would recommend you check out our free 1-to-1 personal consultation service. With this service, you can speak to an advisor of your choice who'll help you zero down on a plan that suits your needs the best. This service is 100% unbiased and entirely powered by Beshak Research. Sharing the link below for your ready reference-

Thank you!

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