Best Life Insurance
for Diabetics

Yes. Many people with diabetes qualify for life insurance, including term and permanent policies. Approval and pricing depend on the type of diabetes, how well it’s controlled, and whether there are complications.

Usually, yes. Diabetes increases health risks for insurers, so premiums may be higher than for non-diabetic applicants. However, well-managed diabetes can still qualify for affordable rates, especially with the right carrier.

For many diabetics, term life insurance is the best option because it provides high coverage at affordable rates. Some diabetics also choose permanent life insurance for lifelong protection, final expenses, or estate planning.

• Type 1 diabetes is often viewed as higher risk because it typically starts earlier in life and requires insulin management.

• Type 2 diabetes may receive better underwriting if it is well-controlled through diet, exercise, and/or medication.

Each type can still qualify, but underwriting results vary.

Insurers typically evaluate:

• A1C levels and overall glucose control

• Age at diagnosis

• Medications (insulin vs oral medications)

• Height/weight and blood pressure

• Cholesterol levels

• Smoking status

• Any complications (neuropathy, kidney issues, vision issues)

• Hospitalizations or ER visits

The more stable and well-managed the condition, the better the rate.

It’s possible in rare cases, especially for well-controlled Type 2 diabetes with no complications and excellent overall health. Most diabetic applicants qualify for Standard or better-than-average ratings depending on control and lifestyle.

Often, yes. Especially for traditional term life insurance with the best pricing. However, diabetics may also qualify for:

• No medical exam life insurance

• Simplified issue life insurance

• Guaranteed issue life insurance

No-exam options usually cost more but offer easier approval.

Yes, in some cases, especially if diabetes is uncontrolled or there are serious complications. However, a denial from one insurer doesn’t mean all companies will decline. Many diabetics still qualify through carriers with more flexible underwriting.

Often, yes. People with complications such as neuropathy, kidney issues, or heart disease may still qualify for coverage, but may receive higher premiums or limited options. Guaranteed issue policies may be available if traditional underwriting isn’t possible.

Helpful steps include:

• Keeping A1C and blood pressure under control

• Maintaining a healthy weight

• Staying consistent with medications

• Attending regular doctor visits

• Avoiding tobacco use

• Providing accurate medical records

Stability and good long-term management can significantly improve underwriting outcomes.

It can be. No-exam policies are ideal for diabetics who:

• Want fast approval

• Prefer not to take blood/urine tests

• Have a mild or well-controlled condition

However, fully underwritten policies may offer lower rates if you qualify.

Coverage limits vary, but many diabetics can qualify for:

• $100,000 to $1,000,000+ depending on age, income, and health
  Higher coverage amounts may require more underwriting documentation.

It depends on goals:

• Term life insurance: best for affordability and income replacement

• Permanent life insurance: best for lifelong protection, final expenses, or legacy planning

Many diabetics choose term first and add permanent coverage later.

Yes. Life insurance provides essential financial protection for your family, and it’s often best to secure coverage sooner rather than later. With the right strategy and insurer selection, many diabetics can get strong coverage at a reasonable cost.