Now instead of sugar getting converted into energy and transported into your cells, it builds up in your blood stream. Recent studies have shown that variants of TCF7L2 gene can increase the susceptibility of Type 2 diabetes. People who are genetically susceptible to Type 2 diabetes are more vulnerable when there is physical inactivity and obesity in them.
There is another type of diabetes known as gestational diabetes which occurs during pregnancy. Normally, your pancreas responds by producing enough extra insulin to overcome this resistance. Disclaimer: Health Dummy website is designed for educational purposes only and is not intended to serve as medical advice.
Life Insurance with Type 1 DiabetesApril 19, 2013Over 25 million children and adults in the U.S have diabetes, and about 2 million new cases of diabetes are diagnosed each year. Insulin Units: The use of insulin units can affect your ability to get approved, as well as rates.
25 Units a day or less of insulin is ideal and would help you get the best pricing possible. If you were diagnosed after age 40, your type 1 diabetes is well controlled, and you are following your doctor’s recommendations, as well as not having other complications from diabetes, like loss of vision, kidney disease, nervous system disease or amputations you should be able to get approved for coverage with a few high quality life insurance companies at a table rating of between 4-8.
If you are taking more than 50 Units of Insulin per day, or your A1c levels are high than there is a company that would approve you for up to $50,000 of coverage without a medical exam.
Graded Death Benefit policies have a 2 or 3 year initial period in which the death benefit is equal to all premiums paid, plus interest. If you would like a quote for life insurance with type 1 diabetes, fill out the form below and we will contact you. Diabetes and its multiple complications have a significant economic impact on individuals, families, health systems and nations.
Diabetes mellitus refers to a group of chronic diseases that affect the way the body breaks down (metabolizes) sugar or glucose – the body’s primary source of energy. Diabetes occurs when the pancreas does not produce enough insulin, or when the body cannot effectively use the insulin it produces. In Type 1 diabetes (also known as insulin-dependent or juvenile diabetes), the pancreas does not make (or makes very little) insulin, which is a hormone that enables glucose to move from the blood vessels into the various cells of the body. This article will focus on Type 2 diabetes — the most common type (90% of all cases). When the pancreas stops making enough insulin, or the body becomes resistant to insulin, Type 2 diabetes develops. This process does not work correctly in Type 2 diabetes: glucose builds up in the blood, rather than entering cells, because the body is not responding properly to insulin, or not enough insulin is being made. Individuals with type 2 diabetes may not have any symptoms at first, and in fact, may be asymptomatic for years. Over time, diabetes can damage many organs including the heart, blood vessels, eyes, kidneys, and nerves.
Your Hemoglobin A1c will need to be checked 2-4 times per year (once your diabetes is well-controlled, A1c can be checked every 6 months). If oral medications from different classes still cannot control blood sugar levels, then insulin therapy is added.
Be Physically Active – at least 30 minutes of moderate-intensity activity 3-4 days per week (walk briskly, cycle, jog, swim, play tennis…whatever you enjoy). Lose the ‘Extra’ Pounds – Individuals who are overweight can decrease their risk of diabetes if they lose 10-15% of their body weight. The first goal of diabetes treatment is to eliminate the symptoms and stabilize blood glucose levels. Type 2 diabetes means that the body has insulin resistance; the fat, liver, and muscle cells do not respond correctly to insulin. If left untreated, hyperglycemia can cause damage to nerves, blood vessels, and other body organs. Yale School of Medicine researchers have found that intensively controlling glucose (glycemic) levels in type-2 diabetes patients may not reduce the risk of kidney failure. To test the hypothesis that aggressive glycemic control can prevent renal disease in patients with type 2 diabetes mellitus, first author Steven G. The team found that compared with those who had usual treatment, intensively controlling glucose with higher doses of medication did not definitively reduce the risk of impaired kidney function, the need for dialysis, or death from kidney disease. Coca said many researchers have presumed that such intensive treatment would benefit patients by protecting the kidneys, but these results question whether patients truly are better off with this approach. According to a University of Texas study, Crazy Ants may become the dominant invasive ant species displacing Fire Ants in the near future. Scientists have successfully placed tiny synthetic motors in live human cells through nanotechnology. Metformin is the least expensive, most effective and most common medication that is prescribed by doctors. Not only for this type 2 diabetics condition, doctors also prescribe this medication for people who experience fasting blood sugars that are more than normal but are not in the range of diabetic. Metformin is available in the form of tablet, as a liquid form and extended release tablet.
Metformin is safe for majority of people who have normal liver, kidney and lung function, but all medicines have side effects. But on the contrary in Type 1 Diabetics, the immune system attacks and destroys your insulin-producing cells in the pancreas.
The main causes for Type 1 Diabetes are a combination of genetic susceptibility and environmental factors.
Having certain genes or a set of genes may increase or decrease a person’s risk of getting that disease.
People who inherit 2 variants of this gene are 80% more susceptible than those who do not carry this gene variant. During pregnancy, the placenta produces hormones to sustain your pregnancy. These hormones make your cells more resistant to insulin. The information provided on this site should not be used for diagnosing or treating a health problem or disease.
If you are looking to get approved for life insurance with type 1 diabetes, this blog post will cover what you need to know.
If you were diagnosed prior to age 40 you may need to explore other options for coverage, such as a Graded Death Benefit Life Insurance – which I’ll discuss later in this blog post. You can most likely get approved even if taking up to 50 units of insulin per day, however pricing will increase with an increased amount of insulin needed.
If you were looking for coverage around $100,000 – $150,000 you could get approved for a Graded Death Benefit Policy.
His mission is to help individuals across the country in finding the best rates on life insurance as well as helping individuals with high risk life insurance. For example, the WHO estimates that from 2006-2015, China will lose $558 billion in foregone national income due to heart disease, stroke and diabetes alone.
Hyperglycemia, or raised blood sugar, is a common effect of uncontrolled diabetes and over time leads to serious damage to many of the body’s systems, especially the nerves and blood vessels. The exact reason for this is unclear, but contributing factors are excess weight and lack of physical activity.
For unclear reasons, people of certain races, namely African Americans, Hispanics, Native Americans and Asian Americans, are at higher risk for developing type 2 diabetes than whites. The risk of getting type 2 diabetes increases after age 45 (likely because people lose muscle mass, exercise less and gain weight as they become older).
This is a condition where your blood glucose is higher than normal but not high enough to be diagnosed with type 2 diabetes. Women who develop gestational diabetes during pregnancy are at increased risk for developing type 2 diabetes.
Diabetes is one of the leading causes of kidney failure and irreversible end-stage kidney disease, requiring dialysis or kidney transplant. When the tiny blood vessels supplying nerves become damaged, one can develop numbness, tingling, pain or burning that typically starts at the toes or fingertips then spreads upwards or centrally.
Diabetes is an important cause of blindness, resulting from long-term damage to the small blood vessels in the retina. Diabetes can lead to decreased bone mineral density, causing weak and brittle bones, which increases the risk of fractures.
Type 2 diabetes has been associated with increased risk of Alzheimer disease and vascular dementia.
Be sure to record each blood glucose reading in a logbook; bring this with you to every doctor visit. While some people with type 2 diabetes can control their blood sugar with diet and exercise alone, most people need medications.
Insulin must be injected (using a fine needle & syringe, or insulin pen injector) because our digestive system interferes with insulin when taken by mouth.
Type 2 diabetics with a BMI (body mass index) > 35 may be candidates for bariatric (weight loss) surgery. Insulin is needed to move blood sugar (glucose) into cells, where it is stored and later used for energy.
Chronic hyperglycemia injures the heart, even in patients without a history of heart disease or diabetes. The study, which is a review of data from seven clinical trials, is published in the May 28 issue of Archives of Internal Medicine. Coca of Yale and colleagues searched available medical literature and evaluated seven randomized trials involving 28,065 adult patients who were monitored for two to 15 years.
It is a member of the category of diabetes medications called biguanides, medicines that reduce the blood sugar level by lowering the glucose produced by the liver. It also has been proposed for women who experience gestational diabetes, a condition where level of blood sugar are more than normal at the time of pregnancy. For example gestational, Type-1, Type-2, LADA, Juvenile, Steroid Induced are some of the forms.
One of the major risk factors for diabetes is central obesity in which a person has excess abdominal fat. When this happens, too little glucose gets into your cells and too much stays in your blood. I’ll cover what factors life insurance companies consider in deciding whether or not to approve and how they price life insurance with type 1 diabetes. Also note that even during the initial 2 or 3 year period, if death occurs as a result of an accident, then the full death benefit would be paid. Nearly 7 million people are undiagnosed, and in 2010, 1.9 million new cases were diagnosed in people aged 20 and older.
Sadly, type 2 diabetes is increasing at an alarming rate among children, teens and younger adults.
In addition, women who give birth to babies weighing over 9 lbs (4.1 kg) are also at higher risk for getting type 2 diabetes. Neuropathy in the feet can lead to complete loss of feeling, resulting in increased risk of foot injuries and infections (read below).
After 15 years of diabetes, ~2% of people become blind, and ~10% develop severe visual impairment (cataracts, glaucoma). Small cuts and blisters can become large, deep ulcers which can lead to amputations of not only the foot but the entire leg (either below or above the knee amputations). Keep in mind that blood sugar levels vary are influenced by food, exercise, medications, alcohol, sickness, stress and hormones (namely menstrual cycles and menopause in women). Newly-diagnosed diabetes is often treated with metformin, which lowers glucose production in the liver. 55-95% of diabetics can obtain normal blood sugar levels post-surgery, depending on the type of procedure performed. It is also strongly associated with heart attacks and death in subjects with no coronary heart disease or history of heart failure.
Either body doesn’t generate plenty of insulin or the cells just ignore insulin in type 2 diabetes. It is also prescribed often for treating a condition associated with insulin resistance or metabolic syndrome. The role of genes in causing diabetes can be inferred from the fact that a high rate of Type 2 diabetes can be found in families with identical twins and prevalence by ethnicity.
If you have or suspect you may have a health problem, you should consult your health care provider. I’ll also cover some companies that we have had success with as far as getting type 1 diabetics approved. Type 2 diabetes, which occurs over time, develops when the body cannot effectively use the insulin it produces and becomes resistant to its effects. A deeply concerning fact is that diabetes is no longer a disease of adulthood: 1 in 400 children and adolescents has diabetes. One thought is that the blood vessel damage caused by diabetes could also reduce blood flow to the brain resulting in dementia and stroke. Physical activity lowers blood sugar, so it is important to check your blood sugar before exercising. If metformin (at increasing doses) is insufficient in controlling blood glucose, additional oral medications may be added, such as glipizide, glyburide or glimepiride which stimulate the pancreas to make more insulin. Surgeries that bypass a portion of the small intestine are more impactful on blood glucose levels than other types of weight-loss surgeries. There are many treatments you can select that depend on your requirements and the level of your disease. Unlike many diabetes medications, it doesn’t cause weight gain, but it can cause weight loss in patients of type 2 diabetes who are obese or overweight. You can request a quote using the form right below this paragraph or keep reading for more on life insurance with type 1 diabetes. As a result, high levels of glucose build up in the bloodstream (“hyperglycemia”); and if untreated, this can be life-threatening. It is also directly related to many serious complications including blindness, heart disease, stroke, hypertension, kidney failure (resulting in dialysis), and permanent damage to nerves and blood vessels. Insulin then enables glucose to move from the blood to various cells (and thus, organs, such as the heart and brain), thus lowering blood glucose levels, which in turn, decreases insulin secretion from the pancreas. Another theory is that too little insulin deprives brain cells of glucose (energy), or that too much insulin causes inflammation which injures brain cells. Eating a snack before a workout can prevent hypoglycemia, especially if you’re taking medications that decrease blood sugar.
Surgery, however, is expensive and is associated with risks including a small risk of death. Allergies with this medicine are also possible, so if you observe any type of reaction, you should call your doctor immediately.
In my opinion, Natural Remedies, Diet, Exercise and Herbal Supplements play a key role in long-term recovery of acidity, bloating and gas.
Gestational diabetes develops during pregnancy and usually resolves after delivery; however, it increases the risk of developing Type 2 diabetes in the future.
Glucose, a sugar that is the main source of fuel for our organs and muscles, comes from two sources: the food we eat, and the liver. The liver stores and makes glucose (as glycogen) when the body needs it; for example, if you haven’t had a chance to eat for awhile and your blood glucose (and thus, insulin) levels are low, the liver will break down stored glycogen into glucose. Throat swelling, lip swelling, tongue swelling, face swelling are some of the other serious side effects that should be informed to your doctor. As a result the insulin level reduces in the concerned organ.\r\n\r\nNow instead of sugar getting converted into energy and transported into your cells, it builds up in your blood stream. But its still not clear what those factors are.\r\n\r\n Genes also play a major role in causing Type 2 diabetes.
Having certain genes or a set of genes may increase or decrease a person\'s risk of getting that disease.
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