Having diabetes does not disqualify you from life insurance. Millions of people with type 1 and type 2 diabetes are insured. The key is knowing how underwriters look at your case and choosing the right carrier.
What underwriters look at
- A1C and blood sugar control — well-managed numbers matter more than the diagnosis itself.
- Type and age at diagnosis — type 2 diagnosed later in life often prices better than early type 1.
- Complications — neuropathy, kidney, or heart issues affect pricing.
- Overall health — weight, blood pressure, and tobacco use.
Policy types that fit
- Fully underwritten term: best rates if your diabetes is well-controlled and you're otherwise healthy. Worth the paperwork.
- Simplified issue: fewer questions, faster, but pricier.
- Guaranteed issue / final expense: no health questions — a fallback if complications rule out other options. Small benefit, graded payout.
How to get your best rate
- Bring recent A1C readings and evidence of management — it helps your case.
- Don't apply to just one carrier. Insurers grade diabetes very differently, so shopping is where the savings are.
- Address tobacco and weight if you can before applying.
- Consider a broker who knows which carriers are most diabetes-friendly.
Because carriers vary so much on health conditions, comparing multiple insurers is the single biggest lever on your price.
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