Both Type 1 and Type 2 diabetes are commonly seen by life insurance underwriters, and many people with either type are able to find coverage. How a carrier views your application depends on the details of your health, not the label alone.
Type 2 diabetes
Type 2 is the most common type insurers see. Well-managed Type 2 — with a good A1C, healthy weight, and no major complications — is often viewed favorably and may qualify for competitive rate classes. Age at diagnosis and lifestyle factors also play a role.
Type 1 diabetes
Many people with Type 1 also find coverage. Because Type 1 is typically diagnosed earlier and is insulin-dependent, carriers look closely at A1C stability, time managing the condition, and the absence of complications. A table rating (a moderate surcharge) is common, and certain carriers are more experienced with Type 1 applicants than others.
What matters most for both
- Consistent, well-documented blood sugar management
- Absence of complications (kidney, cardiovascular, neuropathy)
- Healthy weight and blood pressure
- Not using tobacco
Note: General information only, not medical, legal, or financial advice. Eligibility, rate class, and coverage are determined solely by the insurer through underwriting and are not guaranteed.
The takeaway
Whether you have Type 1 or Type 2, the carrier you choose matters as much as the type. Comparing diabetes-friendly insurers is the best way to find your most favorable option.