Life Insurance That Rewards Well-Managed Diabetes (Finally)

Article written and reviewed by Jamie Koonce, DACM, L.Ac, Dipl.OM
Published November 17, 2018

Imagine this scenario:

You follow a low-fat, plant-based, whole-food lifestyle, exercise 5 days a week, sleep 8 hours a night, walk a minimum of 10,000 steps a day, and maintain an A1c below 6.5%.

“Great,” you think to yourself, “I should be financially rewarded for my healthy lifestyle.”

Here’s the problem:

Because you’ve been diagnosed with either prediabetes or type 2 diabetes, it’s cost prohibitive to enroll in a life insurance plan to protect your family.

The Statistics Are Finally in Your Favor

The reason that life insurance and health insurance can become costly as you age is that the statistics often tell a grim story. 

The mortality risk for people with unmanaged type 2 diabetes is 314% higher than the mortality risk for people without diabetes, and having the word “type 2 diabetes” on your life insurance application automatically drives up your rate.

However, according to a 2018 paper by Rawshani, et al. published in the New England Journal of Medicine, people with well-managed type 2 diabetes have only a 15% higher mortality risk than people without diabetes.

Your level of physical activity, your diet, and whether or not you smoke cigarettes – rather than the actual diagnosis of diabetes – are actually the strongest predictors of mortality risk.

Here’s the Good News

People with well-managed type 2 diabetes can get significant savings on life insurance thanks to a new collaboration between Health IQ  and Protective Life.

Health IQ provided a quiz to over 1 million people and longitudinally tracked them over the last five years. The data showed that people with type 2 diabetes who scored Elite on the Health IQ quiz experienced 18% lower mortality compared to those who did not score Elite

In addition, those who scored Elite, engaged in a consistent exercise regimen, and followed a plant-based diet had 40% lower mortality.

Based on this data, Health IQ is now offering a special rate on life insurance for people with well-managed type 2 diabetes, and we couldn’t be happier to tell you about it.

Say hello to a new generation of disruptive insurance companies that are willing to reward you for the steps you take to live the healthiest lifestyle possible. 

To qualify for the special rate on life insurance, people with type 2 diabetes must demonstrate a specific set of criteria, including (but not limited to) scoring Elite on the Health IQ Diabetic Quiz and showing evidence of diabetes self-management or activity tracking.

Follow These Steps to Get Lower Rates on Your Life Insurance Today

  • Eat a low-fat, plant-based, whole-food diet just like we teach in the Mastering Diabetes Program.
  • Move your body every day and demonstrate consistency in your physical activity regimen with a fitness tracking device.
  • Maintain a healthy body weight, with a body mass index (BMI) between 18.5 - 24.9.
  • Control your blood pressure with a healthy lifestyle.
  • Achieve and maintain a total cholesterol level below 200 mg/dL.
  • Do not smoke cigarettes (don’t even think about it)!
  • Take the Health IQ test (answering questions truthfully) and receive an Elite score.

If you follow the information that we provide on this website or are a member of the Mastering Diabetes Program, we are confident that you have a high chance of scoring Elite on their quiz, which will qualify you for significant savings on life insurance rates.

Now you can just say no to boring, outdated, and slow-moving insurance giants who don’t reward you for your commitments to a living a healthy lifestyle.

Instead, you can start supporting a disruptive, evidence-based insurance company willing to save you money for the daily actions you take to improve your health.

At Mastering Diabetes, we’re proud to know that the same science-based findings that researchers use to write books and develop dietary guidelines are now being used to increase your bottom line.

We hope you agree that your efforts at living a healthy lifestyle reward you in unpredictable and surprising ways!

*This is a sponsored article in collaboration with Health IQ.

Lower Your A1c and Get to Your Ideal Body Weight ... Guaranteed

Happy people with good diabetes numbers

Your results are guaranteed. Join more than 2,000 members today

Personalized coaching puts you in immediate control of your diabetes health, helps you gain energy, improves your quality of life, and reduces or eliminates your meds.

Leave a Comment Below

About the author 

Jamie Koonce, DACM, L.Ac, Dipl.OM

Jamie Koonce, DACM, L.Ac, Dipl.OM is the Digital Content Manager at Mastering Diabetes. She holds a Doctorate degree in Acupuncture & Chinese Medicine, a Bachelor of Arts degree in Biology & Anthropology from Hendrix College, and Certification in Plant-Based Nutrition through eCornell. Jamie has been enjoying a plant-based lifestyle since 1999. In addition to writing at Mastering Diabetes, she teaches continuing education courses to other health professionals on the science behind a low-fat, plant-based, whole-food lifestyle for specific medical conditions.