Life Insurance and Diabetes
Many individuals living with diabetes assume life insurance will be difficult to obtain. Fortunately, modern underwriting has become much more favorable toward diabetic applicants.
The key factor is not simply whether you have diabetes, but how well the condition is managed.
Type 1 vs Type 2 Diabetes
Insurance companies evaluate each condition differently.
Factors reviewed include:
- Age at diagnosis
- A1C levels
- Medications
- Insulin use
- Complications
- Overall health
What Underwriters Look For
Life insurance companies typically review:
- Recent lab results
- Physician records
- Prescription history
- Height and weight
- Blood pressure
Well-controlled diabetes generally receives better consideration than uncontrolled diabetes.
Can Diabetics Get Affordable Coverage?
In many cases, yes.
Applicants with stable blood sugar levels and no major complications often qualify for competitive rates.
No Exam Options
Some carriers offer accelerated underwriting programs that may not require blood work or a traditional medical exam.
These options can be attractive for applicants seeking convenience and speed.
Improving Your Approval Chances
- Maintain healthy A1C levels
- Follow physician recommendations
- Exercise regularly
- Control blood pressure
- Avoid tobacco products
Frequently Asked Questions
Can Type 1 diabetics qualify?
Yes. Many carriers approve applicants with Type 1 diabetes.
Does insulin automatically cause a decline?
No. Many insulin-dependent diabetics receive coverage.
Can I get coverage over age 60?
Yes. Many products are available for seniors with diabetes.
Compare Your Options
Insure Instant Quote Services helps consumers compare life insurance options from multiple carriers to find coverage that fits their needs and budget.
