Health Condition Guide
Life Insurance with Diabetes (Type 1 & Type 2)
Having diabetes does not prevent you from securing affordable life insurance. Here is how top carriers evaluate your application.
What Underwriters Look At
When applying for life insurance with diabetes, carriers review several key factors:
- A1C Levels: An A1C below 7.0 opens standard and preferred rate classes with many top carriers. A1C between 7.1 and 8.5 is still eligible for competitive standard rates.
- Age of Diagnosis: Diagnosis after age 40 is viewed more favorably than juvenile diagnosis.
- Medication Management: Oral medications (like Metformin) are rated better than insulin dependency, though insulin users still qualify for final expense and specialized term coverage.
Need personalized carrier recommendations?
Dan Bingel works with diabetes-friendly carriers like American Amicable and Mutual of Omaha to find you the best rates without medical exams.