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Correct but he said it was Diabetic Nephropathy so its quite possible insulin's involved.
Trans Standard if Insulin, preferred otherwise
Americo ultra protector two if no heart or circulatory disease.
It's a major progression of very complicated disease process clearly very few carriers want to take this as first day coverage.
Currently, diabetic nephropathy is the leading cause of chronic kidney disease in the United States and other Western societies. It is also one of the most significant long-term complications in terms of morbidity and mortality for individual patients with diabetes. Diabetes is responsible for 30-40% of all end-stage renal disease (ESRD) cases in the United States. (See Prognosis.)
Hmmm...