Navigating Life Insurance as a Type 1 Diabetic: My Personal Journey and Key Lessons Learned

by | Apr 21, 2024

Disclaimer: The content you’re about to read may contain affiliate links to products I love and recommend. Which means, I may earn a small commission from items purchased through these links (at no additional cost to you) which helps me provide even more awesome content for you 😊 I appreciate your support!

As a type 1 diabetic for the past 27 years, I found myself at a crossroads familiar to many individuals in their mid-30s – the pursuit of financial stability and security for the future. While many in my age group are thinking about retirement savings, setting up investments, 401Ks, and family planning, my focus has also turned to securing life insurance. It was extremely important to my husband and I, that in the event unforeseen catastrophic circumstances occurred to either of us, our loved ones would be safeguarded and financially secure.

 Spoiler alert: as I began taking the necessity steps to secure life insurance coverage, I found that it becomes particularly complex when living with a chronic condition like diabetes.

Living with Type 1 Diabetes: A Daily Reality

Despite appearing healthy and striving to maintain a balanced lifestyle through diet and exercise, the reality is that I’ve been managing type 1 diabetes for over 27 years. It’s a part of me, woven into the fabric of my existence. I can hardly recall a time before the constant monitoring, insulin injections, and the perpetual concern about managing blood sugar levels.

Let’s face it, being a type 1 diabetic shapes every aspect of my life, from the food choices I make to the constant vigilance over my glucose. Despite my efforts to maintain a healthy lifestyle and keep my hemoglobin A1c levels within a desirable range of 7-7.5, the reality is that the specter of potential complications loom large.

Working in the medical field has exposed me to the harsh realities of uncontrolled diabetes. I’ve witnessed patients undergoing dialysis or facing the prospect of limb amputations due to poorly managed diabetes. These experiences have reinforced my determination to prioritize my health and avoid such complications at all costs.

I shudder to think about becoming a burden on my husband due to my diabetes. Or having my children view me as “sick” or unhealthy, or worse, have my spouse raise our children without me is unbearable to think about.

Planning for the Future: The Importance of Life Insurance

Acknowledging the uncertainties inherent in life, particularly with a chronic illness in the picture, my husband and I embarked on the journey of obtaining life insurance coverage.

Initially, there was optimism from our insurance agent, who was a close friend and assured us that coverage wouldn’t be an issue. I’ll admit this surprised me at first because, truth be told, by this point I was used to having to jump through hoops because of my diabetes. I was even more surprised when she estimated that I would end up paying about $87 per month, while my husband would have to pay around $125 per month (he is 5 years older than me). It was hard for me to believe that he would still have to pay more than me, someone with a chronic, life-long medical condition.

Honestly, I don’t think she really understood the difference of writing a policy for a T1D instead of a type 2 diabetic.

I think it’s worth mentioning as well that our agents heavily encouraged us to begin the process right away to schedule the telephone interview and physicals. We expressed to them that we wanted to postpone it for 30 days so we could do a clean eating and detox reset in efforts to bring my husband’s blood pressure and cholesterol down, as well as my A1c. We understood that these could be potential reasons that lead to higher premiums or even denial. Again, not being medical professionals, I don’t think the insurance agents really understood the impact the lab values would have. Heck, maybe they just thought if we waited 30 days, we’d change our minds and back out.

We stuck to our plan and followed our clean eating reset for 30 days, and it turned out to be a good thing we did because my husband lowered his cholesterol and blood pressure and actually qualified for coverage paying just $75 per month instead of the anticipated $125 per month that they had originally quoted!

Unfortunately, I ended up encountering unexpected hurdles through the process and stark reality hit when I received a denial letter citing my type 1 diabetes as the sole reason for rejection.

Facing Rejection and Resilience

The rejection was a blow. I was devastated!  I cried to my husband.  I felt like a failure.  I felt like I was letting our family down. Despite maintaining a relatively good A1c level and diligently managing my condition, I was reduced to a statistical risk in the eyes of insurers. It was yet another reminder of the misconceptions surrounding type 1 diabetes and the challenges faced by individuals like me. I was so frustrated! I’ve committed my whole life to not allowing diabetes to stop me from anything! Yet, my hands were tied here, and I felt vulnerable and hopeless.  

There was nothing I could do to make the underwriters realize my lifelong commitment to self-care. They didn’t care how great my number were!  My A1c was 7.5. 

Literally the only thing they looked at was that I was a type 1, not a type 2, and the length of time I have been a diabetic.  That’s it! 

I know insurance is all about assessing risk, and when an insurance underwriter looks at me, all they see is a huge risk with potential complications. 

They don’t see someone who takes really good care of themselves to avoid vision loss, dialysis, and amputation. 

I also felt foolish for allowing myself to get my hopes up when we initially discussed potential barriers of getting coverage with our insurance agents.  I would have preferred it if they were more straightforward with me in the beginning and help prepare me for the reality of obstacles.  

So, I let myself cry for the night and pushed my husband away. Then I gathered myself together, called my insurance agent and started the process all over again with Lincoln Life Insurance. 

The subsequent denial from another insurance provider only compounded my dismay, leaving me questioning the fairness of a system that seemed to penalize me solely based on my medical history (something that was outside of my control).

Triumph Over Adversity: A Lesson in Persistence

Disheartened but undeterred, I pursued alternative avenues for coverage. After multiple setbacks and appeals, I eventually found acceptance with AIG, while at a slightly higher premium than anticipated ($125 per month). It was a testament to perseverance and the importance of advocacy in navigating the insurance landscape as a type 1 diabetic.

Lessons Learned and Resources for the Journey Ahead

Reflecting on my journey, I’ve gleaned several insights that I hope will assist others navigating the complexities of obtaining life insurance as a type 1 diabetic:

Understanding Underwriting Criteria:

  • Type Matters: Insurance companies primarily focus on the type of diabetes when assessing risk, with type 2 diabetes generally viewed more favorably than type 1.
  • Duration of Diagnosis: The length of time since diagnosis can influence insurers’ assessments of risk.
  • Importance of Glycemic Control- A1c Levels: While stringent criteria exist, maintaining hemoglobin A1c levels within the range of 6.0-7.5 can enhance eligibility for coverage.

Persistence Pays Off: Despite initial setbacks, perseverance and advocacy can ultimately lead to success, as demonstrated by my experience with the appeals process.

*Please note, I will never take “no” for an answer, especially when it comes to T1D!

Identifying Diabetes-Friendly Insurers: Several insurance companies have demonstrated a willingness to work with type 1 diabetics, offering hope amidst the challenges. Among them are:

  • Lincoln
  • Prudential
  • Protective
  • John Handcock
  • Banner
  • PacLife
  • Mutual of Omaha
  • AIG
  • MetLife
  • SBLI
  • TransAmerica

Final Thoughts: Empowering Each Other on the Journey

Life insurance is a critical component of financial planning, providing peace of mind and security for the future.

In sharing my journey, my hope is to empower fellow type 1 diabetics facing similar challenges in securing life insurance coverage. While the path may be fraught with obstacles, resilience and determination are key to paving the way towards financial protection and peace of mind for the future.

As we navigate the complexities of life with T1D, let us continue to support and uplift one another, sharing knowledge, experiences, and resources to collectively conquer the hurdles that lie ahead. Together, we can defy the odds and build a more secure future for ourselves and our loved ones.

I invite you to leave a comment below, sharing your own insights or questions on this topic.

Remember, you’re not alone on this journey. Let’s continue to support each other and strive for a brighter, healthier future!

My Type 1 Diabetes Story: 28 Years of Highs, Lows, and Everything in Between

Disclaimer: The content you’re about to read may contain affiliate links to products I love and recommend. Which means, I may earn a small commission from items purchased through these links (at no additional cost to you) which helps me provide even more awesome content for you 😊 I appreciate your support!

Hey friends! It’s November, which means it’s Diabetes Awareness Month, and I’m excited to celebrate it with you all by sharing my own story. This Christmas Eve, I’ll be marking my 28th “diaversary” — yep, 28 years since my diagnosis with Type 1 Diabetes (T1D). It’s wild to think I’ve had diabetes for over half of my life! I can barely even remember what my life was like pre-diabetes. It’s been a journey full of ups, downs, a few epic rescues, some truly “sweet” adventures, and a lifetime of unexpected lessons.  

So, grab your favorite snack, maybe a juice box if you’re really feeling the T1D vibe, and let’s dive into my story! 

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Where It All Began - The Diagnosis: Christmas Eve Surprise

Every story has a beginning, so here’s mine. It was Christmas Eve, and I had just turned 12 a couple of weeks prior. I was in sixth grade, feeling as miserable as any kid who should be enjoying holiday break but instead couldn’t seem to shake feeling pretty lousy—constantly thirsty, running to the bathroom a million times a day, and losing weight like crazy. I didn’t know it then, but these are classic symptoms of diabetes.  

On Christmas Eve, while most kids were dreaming of presents, I was lying listlessly in bed, barely conscious. My parents had taken me to the doctor earlier, and I’d been prescribed antibiotics for what we thought was a standard winter bug. But things just kept getting worse, and when my dad checked in on me that evening, he knew something was very wrong. One ambulance ride later, we were at the University of Michigan Children’s Hospital, where I spent the rest of the holiday learning about Type 1 Diabetes. It was a shocker, for sure. Suddenly, life as I knew it was forever changed. 

Growing Up with Diabetes - More than Just Shots and Juice Boxes

The early years with T1D were tough. I avoided talking about it with friends, partly because I couldn’t get through a conversation without tearing up and partly because I just hated it. Playing basketball was a challenge because of the constant blood sugar swings, and I quickly became known for carrying glucose tabs and juice boxes everywhere. I hated feeling shaky, dizzy, and out of control. And let’s be honest, I hated feeling “different.” 

Sleepovers and dinner outings? Pure anxiety! Back in the pre-pump days, I was giving myself insulin shots. I couldn’t stand when friends’ parents would say, “I don’t know how you do it. I could never poke myself like that!” It was hard enough without people pointing it out. It’s not like I had a choice! The reality was, I either learned to give myself injections or… well, let’s not go there. The constant comments and awkward questions left me feeling embarrassed, and eventually, I got tired of explaining myself. So, I stopped testing and giving shots as often as I should. 

Then, in 1999, I got my first insulin pump. It was a Medtronic MiniMed 508, and that little device changed the game for me. No more injections, but it also meant this beeping device on my hip drew lots of attention. Teachers thought it was a pager going off in class (this was the ‘90s after all), and one friend’s older sister teased me for wearing it at the beach, asking, “Why’d you bring your pager? You think you’re that cool?” Let me tell you, that was a tough time to be a teen with T1D. 

College & Finding My Way

Heading to college was another huge milestone. I had to learn to manage my diabetes independently, without the close monitoring and support of my mom.  

Of course, I made some rookie mistakes along the way. I once totally miscalculated my supply order and ran out of pump infusion sets. Luckily, I remembered a friend from high school and diabetes camp who also went to Michigan State. A quick message to her, and I was running across campus to her dorm for a few backup infusion sets to hold me over. That’s the thing about the diabetes community—we’re all in this together, and support each other. 

Managing T1D in college wasn’t just about supplies; I also had to navigate social situations that challenged my comfort zone. Drinking was a whole new ballgame. Figuring out that alcohol, when mixed with T1D, is just…well, complicated. I had to learn what worked for me through trial and error, and sometimes that meant midnight trips for snacks to keep my blood sugar up after a night out. It was a balancing act I learned the hard way a few times, but I got the hang of it, carrying glucose tabs and juice boxes like part of the outfit. 

Dating with T1D: From Hiding to Confidence

Dating with T1D was nerve-wracking at first. My high school boyfriend was understanding, but when I’d go out with him, I’d disconnect my pump just to avoid talking about it. I’d convinced myself that people wouldn’t want to “deal with” my diabetes. That feeling intensified when a friend’s boyfriend saw my pump infusion site at the pool one day and whispered, “What’s that thing on her stomach?” I was mortified. From then on, every time I went to the beach or pool, I’d pull off my infusion site, determined to avoid more awkward questions. I didn’t want anyone to think I was “sick” or “different,” so I went to ridiculous lengths to hide my T1D, even if it meant sky-high glucose levels. 

By the time I met my now-husband, I realized that the right person wouldn’t care. When I told him about my T1D, he didn’t flinch. In fact, he became my biggest support, carrying juice boxes and reminding me to pack low snacks for hikes. He even helps change my infusion site when it’s hard to reach—now that’s love. 

The Power of Camp and Giving Back

One of the best parts of my diabetes journey was attending diabetes camp. Going to camp surrounded by other kids who understood what I was going through was a game-changer. It helped me build confidence, feel normal, and learn that I wasn’t alone. I loved it so much that, later on, I returned as a counselor. Giving back to these kids as they navigated their own journeys was so rewarding. Helping them feel empowered with T1D brought me so much joy, and honestly, being a counselor allowed me to grow too. 

The diabetes camp I attended as a camper back in Michigan was called Camp Midicha, and the camp I attended as an adult diabetes counselor (DC) in Arizona is called Camp AZDA. Some of the long-time T1D community members, often called the ‘Betic Army’ branched off and created The Diabetes Network of AZ, in hopes of bringing the magic of camp back into families and communities all year long! I am proud to be aligned with this exceptional organization!  

Click here to read more about daibetes camps and support groups on my blog post!

Plus, it led me to try some seriously cool new things like zip-lining, white-water rafting, and skydiving! Diabetes has never held me back from adventure. Just ask me about the time I got choppered off Superstition Mountain — there’s always a good story waiting! 

Walking Down the Aisle with T1D

Getting married was one of the most beautiful days of my life, and I chose to keep my pump and diabetes gear out of sight on my wedding day (you can read about that here on my wedding dress blog post). I had a custom pocket sewn into my dress, and I skipped the CGM sensor. I checked my blood sugars on my own time, and everything went off without a hitch! It was a day to focus on love and joy — diabetes was present, but it didn’t get center stage. 

The Journey to Motherhood Pregnancy with T1D: A Whole New Level

And then came pregnancy, which is a whole journey in itself! It could fill a blog post of its own (and someday it will!), but let me just say that navigating pregnancy with T1D was hands down the hardest thing I’ve ever done.  

I suffered two miscarriages before successfully delivering my daughter early at 36 weeks, which made every day of each pregnancy feel precious and high-stakes. I stayed laser-focused and checked my blood sugar non-stop, adjusted my insulin doses like a full-time job, and dialed my A1C in to 5.8 (the lowest it’s ever been in my life) check, even when it felt impossible. 

It paid off with the birth of my two beautiful children, who are everything to me. We faced some challenges, like NICU stays, but I wouldn’t change a thing. The postpartum period brought its own diabetes challenges, too. Adjusting basal rates, breastfeeding, and pumping were exhausting but rewarding. There’s nothing quite like the first time you’re alone with the baby and experience low blood sugar — talk about a panic moment! But I got through it, and I’m proud of how far I’ve come. 

Embracing Today and Looking Ahead to the Future

These days, I’m living in the present, grateful for every step of this journey. T1D has taught me resilience, compassion, and strength. I’ve accomplished things I never thought possible, and while diabetes isn’t always easy, it’s part of what makes me me. I’ve learned to approach each day with gratitude and hope for the future. 

Looking back on nearly three decades with diabetes, I can honestly say I wouldn’t be who I am without it. Sure, it’s tough. It requires constant attention, planning, and patience (especially on low-sugar days). But it’s also introduced me to the most incredible people and made me feel more empowered. I’ve got a community that feels like family, and every shared story reminds me that I’m not in this alone. 

Today, I manage my T1D with a combo of technology, experience, and a lot of humor. I rock a Omnipod insulin pump and Freestyle Libre 3 continuous glucose monitor (CGM), which has been a game-changer. My A1C is better than ever, and I feel more in control. But T1D will always keep me on my toes. I’ve learned that the only constant is change, and I’m okay with that. 

As I look forward, I’m excited to see where this journey will take me next. And if you’re wondering how I navigate the big stuff (like life insurance, traveling with T1D,  and the secrect benefit of diabetes), I’ve got some blog posts on that, too! My goal is to help others with T1D live their best lives — to dream BIG and never let diabetes hold them back. 

So, here’s to all the “Betics” out there— let’s keep lifting each other up, pushing each other to take on new adventures, and share our stories to show the world what T1D warriors look like! 

Thank you so much for reading and being a part of my story. If you’ve got a diabetes journey of your own, I’d love to hear about it in the comments! Let’s keep sharing, learning, and celebrating this community that has lifted me up for the past 28 years. Happy Diabetes Awareness Month, friends! 

About Allison Gorman

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