âś… Good News for Diabetics
Millions of diabetics have life insurance. You won't get the lowest rates, but coverage is absolutely available—especially if your diabetes is well-controlled.
Type 2 Diabetes
Easier to insure, especially if diet/medication controlled. Standard rates possible with good A1C.
Type 1 Diabetes
More challenging but not impossible. Substandard rates typical. Some insurers specialize in Type 1.
What Insurers Evaluate
A1C Level
Most important factor. Under 7.0% is ideal. 7.0-8.0% is acceptable. Above 8.0% is challenging.
Age at Diagnosis
Later diagnosis (after 40) is viewed more favorably than childhood/young adult diagnosis.
Treatment Type
Diet-controlled is best. Oral medications are good. Insulin is acceptable but means higher rates.
Complications
No neuropathy, retinopathy, or kidney issues is crucial. Complications can make coverage very difficult.
Other Health Factors
Weight, blood pressure, cholesterol. Well-managed overall health improves your case significantly.
Best Companies for Diabetics
Prudential
Known for favorable diabetic underwriting. May offer Standard rates for well-controlled Type 2.
John Hancock
Vitality program rewards healthy habits. Good option for diabetics committed to wellness.
Mutual of Omaha
Offers guaranteed issue for those who can't qualify elsewhere. Higher premiums but guaranteed acceptance.
Transamerica
Competitive rates for well-controlled diabetics. No-exam options available.
What Rates to Expect
| Diabetes Status | Typical Rating | Premium vs. Non-Diabetic |
|---|---|---|
| Type 2, diet-controlled, A1C <7 | Standard | +0-25% |
| Type 2, medication, A1C <7.5 | Standard/Table 2 | +25-75% |
| Type 2, insulin, A1C <8 | Table 2-4 | +50-100% |
| Type 1, well-controlled | Table 4-6 | +100-150% |
| Either type with complications | Table 6+ or Decline | +150%+ or N/A |
Tips to Get Better Rates
đź“Š Get Your A1C Under 7%
This is the single biggest factor. Work with your doctor to optimize before applying.
👨‍⚕️ Get Regular Checkups
Insurers want to see consistent monitoring. Gaps in care are red flags.
⚖️ Maintain Healthy Weight
Obesity + diabetes is a double penalty. Even modest weight loss helps.
🔍 Work With a Broker
Brokers know which companies are diabetic-friendly and can shop multiple carriers.
FAQs
Can I get life insurance if I'm newly diagnosed?
Yes, but some insurers want to see 6-12 months of controlled levels before offering the best rates. You can still apply immediately—you just might get re-rated after establishing good control.
Will my rates decrease if my diabetes improves?
Possibly. After 1-2 years of improved A1C and health, you can request a reconsideration or reapply with a new company. Some insurers do periodic reviews; others require a new application.
The Bottom Line
Diabetes doesn't disqualify you from life insurance. Type 2 with good control may even get Standard rates. Type 1 faces higher premiums but coverage is available. Focus on getting your A1C under 7%, maintaining regular care, and working with a broker who knows diabetic-friendly insurers.