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.

Get Your Personalized Life Insurance Quote

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.