Life Insurance That Rewards Well-Managed Diabetes (Finally)

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 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.

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.

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.

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.