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Old 08-23-2011, 08:50 PM   #1
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Insurance rate increased b/c of A1C

I am a 61 yr. old male with no health problems and recently applied for Life insurance. The rate for my category was Best with no health problems and never having smoked. I found a 20 yr. Term Life policy for $160 a month and took their required medical test. They did the A1C and now it came back with a blood sugar reading of 137 and a A1C of 6.6...Now they say I am a substandard table 2 and this has shot my monthly rate up to $461 per month now. No one in my family is or has been a diabetic and that goes for Grandparents. Would I be considered a diabetic with these readings and if not should I request another lab test. What is the best time of the day to take a lab reading?? My wife is Type II and I often check my blood sugar levels and they are always low..somewhere around the 80 on up to 120 level depending on the time of day. This was a fasting blood work that I did in the late afternoon and I had coffee with creamer and sugar substitute that morning. Anyone have comments I would appreciate it...thanks.

 
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Old 08-24-2011, 06:38 AM   #2
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Re: Insurance rate increased b/c of A1C

Usually a fasting reading of 127 twice or an A1c of 6.5 is considered Diabetic. If you have never had any sugar problems in the past I would ask for another test as it could have been an error. Best time to do a fasting is in the a.m. after an 8-10 hr. fasting overnight.

An A1c usually tells what your sugar levels have been running over the last 3-4 months. If this was done by the insurance company and not your own Dr. I would call your Dr. and ask what he/she thinks you should do.

Best of luck...JJ...
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