Last Updated on: March 16th, 2026
Reviewed by Kyle Wilson
Yes, having diabetes does not automatically disqualify you from life insurance policy. There are so many insurance companies still offering coverage, though the rates can be higher and the approval process will be longer.
Type 2 diabetes generally have an easier time qualifying in rates
While type 1 diabetes can find it harder to get coverage and some companies can charge higher premiums or offer limited amounts of coverage.
The likelihood of being denied coverage can depend on several factors including your A1c levels, age of diagnosis, complications and whether you use insulin.
Let’s have a look at the type of Life Insurance for Diabetics.
Term life insurance is the most common choice for diabetic patients because it generally costs less as compared to the permanent options and also offers state forward protection for a set number of years.
Life insurance for diabetic can often be obtained more affordable if your health is well controlled
Whole life insurance usually has significantly high premiums as compared to the term life insurance, because it combines a death benefit with the cash value component that will last your entire life.
There are so many diabetics who find these premium costs prohibitive as compared with the term life insurance but whole life insurance can be useful in estate planning or long-term financial strategies.
Some companies offer policies that do not require any medical exam. These can be available to diabetics but typically offers lower coverage amount, it also comes with higher premiums and also include waiting period before full benefits supply
Most of the traditional life insurance companies will ask about your medical history and also request a medical exam which can include blood glucose levels, A1c test results, blood pressure and cholesterol and also your diabetes history and treatment details.
However not all life insurance companies required diabetes testing, and some offer no exam policies where underwriting relies on questionnaires and health records
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The cost of life insurance for diabetics can be different and it is based on the age, general and type of diabetes and how well controlled the condition is.
Here are some of the rough benchmarks.
Online Comparison tools show that the premiums for diabetics can be higher than non-diabetes but many people with controlled diabetes can still find reasonable rates.
Yes, insurance companies can deny the applicants if they consider the risk based on the underwriting evaluation. The comment denial triggers include poorly controlled diabetes, recent serious complications, very high A1c levels and health conditions in addition to diabetes.
An application denial does not mean you are permanently out of options. So many denied applicants can shop with different insurance companies, consider the guaranteed issue or no example policies and also improve their health matrix and reapply for a plan after several months.
While local figures can be changed by country, millions of people with diabetes are looking for life insurance easier in the United States, UK and worldwide.
Diabetes is very common in the UK alone, over 4 million people have diabetes. Many of these individuals apply for some form of life insurance either individually or employer sponsored plans.
Life insurance prediabetics is receivable. Yes diabetes increases your risk profile but with careful planning the diabetic management and the right shopping strategy you can secure coverage that will protect your loved ones and their financial future.
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Yes, most people with activities can get life insurance. How much it costs or which plan you can get it totally depends on your age, type of diabetes, health and how well it is controlled.
The cost can be different and it depends on your age and your health.
For example, a 40 year-old with type two diabetes can pay around $75 per month for a 20 year term policy. A 40 year old with type and diabetes can pay $100 or more per month
Yes, life insurance has covered diabetes but the insurance companies will look at your health records, blood sugar control and any complications before deciding if your rate or approval.
Term life insurance is usually best because it is cheaper and basic protection for a set number of years, whole life insurance is more expensive but it lasts your whole life and no exam or guaranteed issue policies are good if you want quick approval.
Insurance often checks your HbA1C which shows how well your blood sugar is controlled. Most of the insurance companies preferred below 7 to 7.5% of lower rates and higher levels can increase premiums or make approval harder.
Senior Writer & Licensed Life Insurance Agent
Jazmine Cooke is a dynamic and insightful senior writer with a passion for life insurance and financial planning. With over 8 years of hands-on experience in the insurance industry, Jazmine Cooke has earned a reputation for delivering clear, actionable advice that empowers individuals to make informed decisions about their financial future. At Burial Senior Insurance, she not only excels as a licensed insurance agent but also as a trusted guide who has successfully advised over +1500 clients, helping them navigate the often complex world of life insurance and annuities. Her articles have been featured in top-tier financial publications, making her a respected voice in the industry.
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