Can I Get Life Insurance With Diabetes?

The short answerOften, yes. Many people with type 1 or type 2 diabetes qualify for term, whole life or final expense coverage. What matters most is how well it's controlled: your A1C, medications, how long you've had it, and whether there are complications like heart, kidney or eye issues. Well-controlled diabetes may be priced better than people expect. Underwriting decides.

What underwriters usually look at

A1C history and recent readings
Type 1 or type 2, and age when diagnosed
Medications, including insulin use
Complications: heart, kidney, nerve or eye problems
Weight, blood pressure, cholesterol and tobacco use

How to put your best foot forward

Have your recent A1C and medication list handy.
Keep up with doctor visits; consistent care helps.
Apply through an independent agent who can compare how different insurers view diabetes. One may be much more favorable than another.

If traditional coverage isn't an option

Simplified-issue or graded-benefit final expense policies are often available even with complications. Every application is reviewed individually. Approval, the price, and the type of policy all depend on underwriting.

Get your own number in about 3 minutes

Our free Family Needs Analysis walks you through it with your real numbers. No sign-up needed to see your result.

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Common follow-up questions

Does insulin use disqualify me?

Not automatically. Many insurers consider insulin users; control and complications matter more.

Will I pay more with diabetes?

Often somewhat more than average, but well-controlled diabetes can still qualify for reasonable rates.

Do I need a medical exam?

Not always. Some policies use health questions and records instead.

Should I wait until my A1C improves?

Sometimes it helps, but waiting also has risks. An agent can help you weigh it.

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