Can I Get Life Insurance If I Have Diabetes?
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A lot of people think that getting life insurance when you have diabetes is a challenge — and in some cases, a very big one. That’s why so many people choose not to bother applying for the coverage they need and deserve. But quality life insurance when you have diabetes is possible!
The only life insurance designed for people living with diabetes.
Whether you’re living with type 1 or type 2 diabetes, John Hancock Aspire® was designed with your needs in mind. With Aspire, you’ll get the protection of a life insurance policy along with rewards for the things you do every day to live a longer, healthier life, and support to help you on your personal health journey.
You can even save up to 25% on the cost of your coverage and earn other valuable benefits and discounts.* It’s a whole new kind of life insurance and it’s only available from John Hancock.
Why now?
It started with a rise in public awareness around the positive impact diet and exercise can have in reducing the risk of obesity, as well as anti-smoking initiatives, that have all helped reduce the risk of diabetes, particularly type 2.** And then there are the many advances in medical technology and health initiatives that have led to better care and earlier diagnosis of diabetes.
Breakthroughs in blood glucose meters and continuous glucose monitors give users a more complete view of how their medication, diet and exercise affect their well-being in real time. And wireless insulin pens let users keep track of, monitor and calculate their insulin injections without having to wear an insulin pump. All of these advances enable people living with diabetes to have greater control over their condition than ever before.
Taking into account the whole person.
John Hancock’s been insuring people living with diabetes for decades. We’ve seen first-hand how the advances in medical technology and resources are impacting their long-term health. With our extensive experience and medical expertise, our team is able to take a progressive approach to underwriting when it comes to people living with diabetes. Our underwriters (the life insurance analysts who evaluate each applicant’s risk) consider all that an individual is doing and the lifestyle choices they’re making to live a longer, healthier life. We also understand that type 1 and type 2 diabetes are different conditions with unique challenges.
At John Hancock, we don’t just see a person with diabetes. We see someone trying to live their best life. We know diabetes does not define you and we want you to know it does not have to stand in your way of quality life insurance.
Connect with one of our Aspire agents today to learn more about John Hancock Aspire and start the application process.
*Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS. The level of premium savings are cumulative over the life of the policy and will vary based upon underwriting status, issue age, policy type, the terms of the policy and the Vitality Status achieved. Premiums savings are only available with Vitality PLUS.
**Source: Centers for Disease Control
John Hancock Aspire is available through the John Hancock Vitality benefit offered through John Hancock life insurance policies. Aspire is not available in New York, Idaho and Puerto Rico.
The benefits available under Aspire can vary depending on whether the insured has Type 1 or Type 2 diabetes, the type and coverage amount of the life insurance policy purchased and the level of engagement with the John Hancock Vitality Program. Certain aspects of Aspire may change over time. There is no coordination between Aspire and any health benefits you may receive from an insurance policy, health plan, or any other wellness programs you may be enrolled in.
Insurance policies and/or associated riders and features may not be available in all states.
Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.
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