Getting Life Insurance with Diabetes

Diabetes and Life Insurance

Having diabetes — whether Type 1 or Type 2 — does not automatically disqualify you from getting life insurance. Many carriers offer coverage to diabetics, though premiums are typically higher and the underwriting process may be more detailed.

The key factors insurers evaluate include your A1C levels, age at diagnosis, whether you use insulin, and whether you have any diabetes-related complications.

Tips for Getting Approved

Keep your A1C below 7.0 if possible — this demonstrates good blood sugar management and significantly improves your chances of approval at reasonable rates.

Work with an independent agent who specializes in impaired risk cases. Different carriers have vastly different underwriting guidelines for diabetes, and the right agent can match you with the most favorable company.

Gather your medical records before applying. Having documentation of consistent doctor visits, medication compliance, and stable test results strengthens your application.

Best Policy Types for Diabetics

If you have well-controlled Type 2 diabetes, you may qualify for standard or even preferred rates with certain carriers. Fully underwritten term and whole life policies offer the best pricing.

If your diabetes is poorly controlled or you've had complications, guaranteed issue or simplified issue policies provide coverage without medical questions, though at higher premiums and with lower coverage limits.