The onset of Type 1 Diabetes mellitus (T1DM) occurs most frequently in people under 30 years, however, new research suggests almost half of all people who develop the condition are diagnosed over the age of 30.
No. Not at all. Unusualrisks.com.au is an online discrete and focused pre-assessment service run solely by our parent company Sapience Financial & Investment Services.
After completing a successful online pre-assessment, the entire application process, all correspondence, updates and reviews are completed through our standard market branded service, Sapience Financial. They care for a fully rnage of different clients with different needs from mortgage brokering, estate planning, financial advice and strategies and even small business risk management.
We sure can. We believe in looking after those who look after you. The process is much the same, just no online pre-assessment is needed.
For friends, family and supporters who want standard life insurance cover, the application process is the same, and there is no need for a pre-assessment.
Just send us an email and we'll organise the rest.
Whether you have Type 1 or Type 2 diabetes, there are new rules for cover. Eligibility will depend upon an applicant being over age 20, diagnosed for under 10-15 years, and having good weight, blood pressure, and cholesterol management.
People over age 50 with a late-onset diabetes diagnosis are also eligible.
In reality, someone living with diabetes is still more likely to be turned down for life insurance by mainstream life insurers than someone who doesn't have this condition.
When you're offered coverage, you'll pay about the same premium as other people with pre-existing conditions such as cancer, certain kinds of heart conditions, or smokers.
And we've been helping people just like you for over 20 years now.
For our bodies to work properly we need to convert glucose (sugar) from food into energy. The hormone called insulin is essential for the conversion of glucose into energy.
So when people with diabetes eat foods containing glucose, (such as bread, cereals, fruit and starchy vegetables, legumes, milk, yogurt and sweets) it can’t be converted into energy.
Instead of being turned into energy the glucose stays in the blood. (Your blood glucose level is called glycemia). This is why blood glucose levels are higher in people with diabetes.
Diabetes is listed in the top 10 leading causes of death in Australia. Diabetes and its complications both impact the life expectancy of an individual and can reduce life expectancy by 10 to 20 years.
The total number of Australians with diabetes and pre-diabetes is estimated to be approximately 3.5 million.
About 900,000 Australians have been diagnosed with diabetes. For every person diagnosed, it is estimated that there is another person who is not yet diagnosed.
If you or your loved ones have been diagnosed with diabetes, we believe it's important to get some protection in place soon as possible rather than wait until there are unplanned complications that might prevent you from getting insurance later.
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