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Diabetic Life Insurance


Many people in America have diabetes both Type I and II. The most common misconception is that Life Insurance for Diabetics is not available when in fact that couldn’t be farther from the truth. What Life Insurance Companies care about is that a person’s diabetes are properly controlled. If they are controlled the applicant can purchase a traditional medically underwritten policy most at a Standard rate. This will require a basic medical examination otherwise known as a Paramedical. This usually includes a blood pressure check, blood test and urine specimen. Applying for traditional medically underwritten life insurance allows the applicant the freedom to choose as high a face amount as they can potentially be eligible for.

Diabetics life insurance is also available in the form of non medical life insurance. The benefit of this to a person with diabetes Type II is that they get an instant decision instead of the normal 30-45 days it would take the traditional way. However the maximum face amount available with no medical for a person with Type II diabetes is $500,000. It is common for an applicant to apply for both types of insurance. This way they are issued a non medical life insurance policy right away while waiting for the underwriting to conclude with the traditional life insurance. Life Insurance for Diabetics is very common and does not carry any exclusions to the applicant/insured.

The quote form above will give us the basic information we need to begin running a quote. However other information will most likely be needed to provide a personalized Life Insurance Quote. For example what medications an applicant is taking is very important. Last doctors visit and results are also important. Life Insurance Companies need to know the A1C which they gather either from an APS (Attending Physician Statement) or from the medical exam that is done in conjunction with the life insurance application.

We encourage you to call and speak to one of our experienced life insurance agents. We have over 30 years of experience in the field Life Insurance for Diabetics and have insured over 100,000 individuals with Type I and II diabetes.

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Life Insurance for Diabetics

Common Questions

  • Q1: Will my life insurance rates increase because I have diabetes?
    A: No your life insurance will not increase. Those individuals with diabetes are eligible for Standard rates.
  • Q2: Am I eligible for Whole Life Insurance or only Term Life Insurance with my diabetes?
    A: You are eligible for all kinds of Life Insurance as long as your diabetes is under control.
  • Q3: Are there any exclusions if I get insurance as a diabetic?
    A: No, there are no exclusions. You are covered for every possible peril.