Life insurance for diabetes is not only possible—it can be affordable with the right strategy. At Diversified Insurance Brokers, we help people with Type 1 and Type 2 diabetes secure coverage that matches their goals and budget. Because every carrier underwrites diabetes differently, the key is applying to the right company the first time. If you’re also managing other conditions, it can be helpful to see how insurers look at the bigger picture in our guide to the best life insurance for pre-existing conditions.

Want quick pricing to frame your budget? Start with instant life insurance quotes and we’ll fine-tune results based on your A1C, treatment, and history. As you review options, it also helps to think through the bigger question of how much life insurance you actually need to protect income, debts, and long-term goals.

How Diabetes Affects Underwriting

Insurers evaluate multiple risk drivers, including:

• Type and duration: Type 1 vs. Type 2, and years since diagnosis.
• Control metrics: A1C, fasting glucose, time-in-range, and trend stability.
• Treatment approach: Diet/exercise, oral meds, insulin (MDI or pump), CGM usage.
• Comorbidities: Blood pressure, cholesterol, BMI, sleep apnea.
• Complications: Neuropathy, retinopathy, CKD, CAD—these don’t end the conversation, they change which carriers we target.

Who Typically Qualifies (and How)

• Well-controlled Type 2 (A1C ≤ 7.0): Often Standard—and sometimes better—depending on age and overall profile.
• Type 1 with stable management: Commonly approved with modest table ratings if complications are absent and labs are steady.
• Recent improvements: Demonstrated A1C trend and primary-care follow-ups can meaningfully improve offers.
• Prior declines: A different carrier, form of coverage, or timing can change the outcome.

If you’ve had elevated A1C or any diabetes-related issues, our high-risk life insurance process is built to position your application for success—without shot-gunning to the wrong companies. High earners with diabetes often have more income to protect and more complex planning needs; our page on life insurance for high income earners explains how to structure larger policies without overpaying.

Smart Ways to Lower Your Rate

• Document stability: Recent labs, CGM summaries, and primary-care notes reinforce good control.
• Right-size the term: Use longer term only where needed; shorter layers can cut total cost.
• Consider a ladder: Stacking terms matches coverage to real-world timelines and can reduce premiums.
• Time your app: Apply after improved labs—fresh data can unlock better offers.

Coverage Options That Work for Diabetics

• Term life: Highest death benefit per dollar for mortgages, income replacement, and family goals.
• Permanent life: Long-horizon needs, legacy planning, or conversion from term without new medical evidence.
• Final expense / guaranteed issue: For tougher medical histories; graded benefits may apply in the first 24 months. If your main objective is to cover end-of-life costs, our guide on how much burial insurance you need walks through realistic targets for medical bills, funeral expenses, and debt.

Navigating complications? See our focused guidance on life insurance for diabetics with complications to understand how carriers view neuropathy, CKD, or heart disease.

Case Study: Type 2, Better Labs = Better Offer

Profile: 52-year-old, Type 2, diagnosed 8 years ago, A1C trending from 7.6 → 6.8 with metformin and CGM; no complications. Another agent quoted Table 2. We waited for updated labs, targeted diabetes-friendly carriers, and secured $250,000 / 15-year term at Standard—saving about $600 per year. For families in a similar situation, we’ll also help align the face amount with your broader plan so you’re not guessing between too much and too little coverage—our planning article on how much life insurance you need gives a simple framework you can use before we quote carriers.

How We Work (Quietly and Thoroughly)

• Pre-underwriting: We review your history discreetly to avoid avoidable declines.
• Targeted submissions: We match your profile to carriers proven to price diabetic risk fairly.
• No pressure: Clear explanations, side-by-side options, and time to decide.

Ready to see concrete numbers? Use our quick request to compare life insurance quotes across multiple diabetes-friendly carriers, then fine-tune the amount after you review how much coverage you need and whether you might eventually pair it with long-term care or disability planning.