If you live with diabetes and assume life insurance is out of reach — or unaffordable — it's worth comparing options before you decide. Many people with diabetes are able to find coverage. A lot depends on your individual health profile and the carrier you apply with.
What insurers look at
When reviewing an application from someone with diabetes, carriers typically consider:
- A1C — your average blood sugar control over time.
- Type of diabetes — Type 1, Type 2, or gestational.
- Age at diagnosis and how long you've managed the condition.
- Complications — such as neuropathy, kidney, or cardiovascular issues.
- Overall health — weight, blood pressure, and tobacco use.
Because each insurer weighs these factors differently, the same applicant can receive very different decisions and rates from different carriers — which is why comparing matters.
Types of coverage that may be available
- Fully underwritten term or whole life — often available for well-managed diabetes.
- No-exam / simplified issue — fewer requirements, may suit some profiles.
- Guaranteed issue — no health questions; useful when other routes are difficult (typically higher cost and a graded benefit period).
Please note: This is general information, not medical, legal, or financial advice. Eligibility, rates, and coverage are determined solely by the insurer through underwriting and are not guaranteed.
Compare before you decide
A single declined or high quote isn't the final word — another carrier may view your profile more favorably. Comparing diabetes-friendly carriers is the best way to understand your real options.