When you apply for life insurance with diabetes, the application may ask you to select a table rating (Table 1, Table 2, and so on). Here's what that means in plain terms — and how it relates to the diabetes profile you chose.
What is a table rating?
A table rating is how insurers price coverage for applicants whose health carries some additional risk. Standard health is the baseline; each "table" above standard adds a step to the premium. A lower table number means a lower rate; a higher number means a higher rate. Well-managed diabetes generally corresponds to a lower table.
How your diabetes profile maps to a table
On our quote form you selected a diabetes profile. Each profile corresponds to a table rating on the application:
| Diabetes profile you selected | Choose on the application |
|---|---|
| Well-Controlled Type 2 (Rate 1) | Table 1 |
| Well-Controlled Type 2 (Rate 2) | Table 2 |
| Moderately Controlled Type 2 / Type 1, no complications (Rate 1) | Table 3 |
| Moderately Controlled Type 2 / Type 1, no complications (Rate 2) | Table 4 |
| Moderately Controlled Type 2 / Type 1, no complications (Rate 3) | Table 5 |
| Poorly Controlled, no major complications | Table 6 |
On your quote results page, we show you the exact table to choose based on the profile you selected — so you don't have to memorize this.
Important: The table you select helps generate an accurate estimate, but the insurer makes the final rating determination through underwriting based on your full application, medical records, and any exam. Your actual rate may differ. This is general information, not medical, legal, or financial advice.
Why it matters
Choosing the table that matches your diabetes control gives you the most realistic estimate up front, so there are fewer surprises later. If you're unsure which profile fits you, choosing the one closest to your most recent A1C and management is a reasonable starting point — underwriting will confirm the final class.