Life Insurance With Diabetes
Over 100 Annuity Carriers to Quote From. Here are a few of them!
If you’re living with diabetes and exploring life insurance options, you may have discovered it’s not as straightforward as it is for healthier applicants. But at Diversified Insurance Brokers, we specialize in helping individuals with diabetes find affordable and comprehensive life insurance coverage through our network of over 100 top-rated carriers. Whether you have Type 1 or Type 2 diabetes, controlled or recently diagnosed, we understand how to present your case and secure the most favorable rates possible. Use our instant quote tool below to get started.
Life Insurance with Diabetes
If you have diabetes, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping clients with chronic conditions find affordable, tailored coverage.
Speak with an expert who understands life insurance for individuals with diabetes.
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Why Life Insurance Is Still Within Reach for Diabetics
Many assume a diabetes diagnosis automatically means expensive premiums or outright denial, but that’s not always true. Insurance companies now view diabetes with more flexibility—especially when it’s managed with medication, diet, or insulin. By working with a broker who understands underwriting for diabetic applicants, you improve your chances of qualifying for a competitively priced policy.
Who Is a Good Fit for Life Insurance with Diabetes?
- Individuals with well-controlled A1C levels (ideally under 7.5%)
- Applicants who manage diabetes through lifestyle and/or medication
- People diagnosed later in life (Type 2) with no major complications
- Those with no history of diabetic-related hospitalizations
- Applicants with stable blood pressure, cholesterol, and weight
What Types of Life Insurance Are Available?
- Term Life Insurance: Affordable coverage for a set period—ideal if your diabetes is well-managed.
- Whole Life Insurance: Permanent coverage with level premiums and cash value buildup.
- Guaranteed Issue: For individuals with more severe or recent diabetic complications.
- Final Expense: Smaller policies used to cover burial and funeral costs, often easier to qualify for.
Example Case
We recently helped a 52-year-old man with well-managed Type 2 diabetes (A1C 6.8, diagnosed 5 years ago) qualify for a 20-year term life insurance policy worth $250,000. His monthly premium? Just $78—a fraction of what he expected.
Don’t assume diabetes disqualifies you. Let our expert advisors guide you through the process and help you find a policy tailored to your needs and health history.
FAQs: Life Insurance with Diabetes
Can I get life insurance if I have diabetes?
Yes. Many people with diabetes qualify, especially if their condition is well managed, with stable lab results, good provider follow-ups, and no major complications.
Does type (Type 1 vs Type 2) matter?
Yes. Type 2 tends to get more favorable treatment (if controlled through diet, medications, or insulin) than Type 1, especially where insulin dependence is minimal or well managed. Underwriters will consider how long you’ve had diabetes and how controlled it is.
What lab tests and medical details do insurers look for?
Typical information includes HbA1c levels, fasting glucose readings, whether there are complications (kidney, neuropathy, vision, cardiovascular), how often you see your provider/endocrinologist, your medication regimen (insulin/dose), and records of hospitalizations or diabetic ketoacidosis (DKA).
How do diabetic complications affect premiums?
Complications such as kidney disease, neuropathy, retinopathy, or cardiovascular disease raise risk and will likely increase premiums, possibly require higher sub-rates or table ratings. No complications = more favorable offers.
Will good control lower my premium?
Yes. Stable HbA1c values, few or no hospitalizations, consistent medical follow-ups, no severe complications all help reduce premium loadings or qualify for better rating classes.
Are there things I can do before applying to improve my underwriting outcome?
Yes: manage blood sugar tightly, track lab results, avoid complications, maintain healthy weight, ensure regular medical checkups, maintain records, and take medications as prescribed. Also, waiting periods after major complications help.
What outcomes should I expect with different scenarios?
• Well-controlled Type 2, no complications → standard or near-standard rates.
• Insulin-dependent Type 2 with mild complications → table ratings or mild extra premiums.
• Type 1, recent complications or poorly controlled glucose → higher premiums, possible graded or simplified issue, or limited policy types.
Which policy types are more accessible with diabetes?
Term life tends to be more accessible. Permanent life (whole, universal) may be available, often with higher cost. Simplified issue or guaranteed issue policies may serve when risk is higher or complications exist.
Will I need a medical exam?
Often yes, for larger face amounts or permanent policies. Exams, blood tests, possibly attending physician statements will likely be requested. Smaller policies or simplified issue may reduce or waive exam requirements.
What if I was declined before because of my diabetes?
A prior decline doesn’t necessarily mean all insurers will decline. With improved control, updated medical records, fewer complications, or waiting time after episodes, you might qualify now or via a different carrier.
