If you have diabetes and assume life insurance is off the table — or unaffordable — it's worth comparing carriers before you give up. Many people with diabetes carry affordable coverage. A lot comes down to matching your profile to a carrier that views diabetes favorably.
Many diabetics can find life insurance options
People with Type 1 and Type 2 diabetes are often able to qualify for traditional term and whole life policies, depending on their health profile. Gestational diabetes (during pregnancy) typically has little long-term effect on rates once resolved. The key variables insurers consider include:
- A1C level — your average blood sugar control (the single biggest factor).
- Age at diagnosis — diagnosed later in life is generally viewed more favorably.
- Type 1 vs Type 2 — Type 2 often prices better, but many Type 1 applicants also find coverage.
- Complications — neuropathy, kidney or heart issues affect rates.
- Overall health — weight, blood pressure, and tobacco use.
What rates can you expect?
| Your situation | Likely outcome |
|---|---|
| Type 2, A1C under ~7, well-managed | May reach Standard / Standard Plus — often affordable |
| Type 1, controlled, no complications | Often a table rating (a moderate surcharge) with certain carriers |
| Higher A1C or complications | Higher table rating possible; no-exam or guaranteed-issue as alternatives |
| Recently diagnosed / unsure | Options may still be available — comparison matters most here |
Why comparing carriers is everything for diabetics
This is the most important point on the page. Diabetes is exactly the kind of condition where carriers disagree wildly. One insurer might decline you; another offers a competitive rate for the identical health profile. Judging your insurability — or your price — on a single quote is the costliest mistake a diabetic applicant can make.
A "no" from one company is one opinion, not a verdict. We compare 50+ carriers, including several that specialize in diabetic applicants.
Tips that may help your application
- Recent, well-documented labs can help carriers assess your application.
- Evidence of consistent management — such as regular checkups — is viewed favorably.
- Tobacco use combined with diabetes is typically rated more heavily.
- Compare diabetes-friendly carriers — this is where comparison helps most.
- No-exam or guaranteed-issue products may be alternatives worth comparing.
Please note: This page is general information, not medical, legal, or financial advice — always follow your healthcare provider's guidance on managing your health. Eligibility, rates, and coverage are determined solely by the insurer through underwriting and are not guaranteed.
If you've been declined before
You may still have options — including guaranteed-issue policies that ask no health questions. See your options after a decline →