SOVEREIGNLIFE GROUP
Health Conditions

Life Insurance With Diabetes

Yes, you can get life insurance with diabetes, and for most people it is more affordable than they expect. Type 1 and type 2 are both insurable. What changes your rate is your control, your A1C, how long you have had it, and, more than anything, which carrier reviews your file. Carriers price diabetes very differently from one another, so the whole job is placing your application where your numbers are treated fairly.

From a licensed agentAs a licensed agent, here is what actually moves the needle on a diabetic application: a well-controlled A1C (many carriers look for roughly under 7 to 7.5), no diabetic complications, and a carrier that is known to be diabetic-friendly rather than one that reflexively rates or declines. The single most common mistake I see is applying cold to one big-name company, getting rated or denied, and assuming that is the market. It is not. The right carrier can be the difference between a decline and a Standard offer.
Type 2 DiabetesThe most common case, and very insurable. Well-controlled type 2 with a healthy A1C often qualifies for Standard or better with the right carrier. Diet-controlled cases can do even better.
Type 1 DiabetesInsurable too. Rates run higher than type 2, but stable control and no complications open up real options, and some carriers specialize in type 1 rather than declining it.
PrediabetesOften a non-issue. Many carriers offer their best rates to prediabetics who are managing it, and some do not rate it at all. Do not let it scare you off.
Gestational DiabetesUsually treated as low risk once resolved after pregnancy. With the right carrier it often has little or no effect on your rate.
If You Were DeclinedA decline from one company is not the end. It usually means the application went to the wrong carrier. We pre-screen the diabetic-friendly ones before applying so you are not stacking declines on your record.
No-Exam OptionsSome diabetics qualify for no-exam coverage. Others get a better rate with a quick exam that confirms good control. We look at both.
Get a QuoteBook a Review(786) 977-4192

Life Insurance With Diabetes: common questions

Can you get life insurance with type 2 diabetes?Yes. Well-controlled type 2 diabetes is very insurable, and many people qualify for Standard rates or better with the right carrier. Your A1C, your overall health, and which company reviews your file all shape the outcome.
Can you get life insurance with type 1 diabetes?Yes. Type 1 costs more than type 2, but stable control and no complications open up real options. Some carriers underwrite type 1 far more fairly than others, which is exactly what an independent broker finds.
How much does life insurance cost with diabetes?It depends on your type, your A1C and control, your age, and the carrier. There are no guaranteed rates, but well-managed diabetes often costs far less than people expect when the application goes to a diabetic-friendly carrier.
Can I get life insurance with prediabetes?Usually yes, and often at your best rates. Many carriers do not rate prediabetes at all, especially when you are managing it. It should not stop you from applying.
What if I was denied life insurance for diabetes?A decline usually means the application went to the wrong carrier, not that you are uninsurable. We pre-screen the carriers known to treat diabetes fairly before applying, so you are not stacking declines.
Can seniors get life insurance with diabetes?Yes. Older applicants with diabetes have options too, from traditional coverage to final expense whole life that is built to accept common health conditions. We match you to the fit.
Get a QuoteBook a Review

Related coverage

Life Insurance with Health ConditionsPre-Existing Conditions GuideNo-Exam Life Insurance GuideSenior Life Insurance