In the years leading up to the development of Type 2 diabetes, most individuals go through an asymptomatic condition called pre-diabetes. During this time, fasting blood sugar levels may be slightly elevated and there may be other signs of disruptions in normal metabolism, such as high triglycerides, low “good” (HDL) cholesterol levels and excess fat around the abdomen.
Approximately 1 out 3 American adults have pre-diabetes. When caught at an early stage, it is possible to head off development of Type 2 diabetes with diet changes and weight loss.
One of our A+ carriers can underwrite favorably on pre-diabetes cases that show a stable, well controlled condition.
Take a look at this case study:
- Male, 55 years old, non-smoker, seeking personal coverage
- History of hypertension that has been well-controlled with medication and exercise.
- Two years ago, a routine annual check-up revealed a blood sugar reading that was higher than normal.
- Follow up glucose levels remained elevated (in the 100-103 range), but never high enough to suggest outright diabetes. He was then diagnosed with Impaired Fasting Glucose.
- His doctor suggested exercise and a change in diet to include reduced carbohydrate intake.
- Has done well with his new diet and exercise regimen; ongoing lab testing has shown no progression in his condition.
This client had the beginning of pre-diabetes caught early by routine testing. Because he responded well to dietary changes and exercise, this condition has not progressed and he is at lower risk of developing diabetes in the next several years — if he maintains his new, healthy habits.
Potential Underwriting Outcome: Super Standard Non-Tobacco, with potential improvement to Preferred using this carrier’s Healthy Lifestyle crediting program.
Call your CPS Life Underwriting Team to discuss your client’s medical history today and let’s work on your next success story!