Compare Rates

Life Insurance for Diabetics

Life Insurance for Type 1 & Type 2 Diabetics, Finding the Best Companies, Rates and Options

You’ve probably heard that applying for life insurance for Diabetics will always be expensive and hard to get approved with most carriers. That used to be the case years ago, but now it is a totally different story. life insurance for diabetics photoPeople are able to control their diabetes more efficiently and easier than ever before. Years ago people would be diagnosed with diabetes and their condition would continually get worse.

That is where the medical profession has learned new ways to prevent diabetes from advancing. Thankfully, diabetics are living in a new era now for their condition.



What is type 1 diabetes compared to type 2 diabetes?

Over 34 million people in America have some form of diabetes. Medical experts and statisticians report that approximately 1 in 5 Americans don’t have knowledge of having diabetes in any one of the two forms. Usually they find out after the symptoms get worse and they finally go to a doctor.

Type 1 Diabetes

Type 1 diabetes is less common than type 2 diabetes but is considered a more serious condition.  With type 1, a diabetics pancreas either does not make any insulin or not enough insulin. Insulin itself is actually a member of the hormone family promotes blood sugar to enter the cells in your entire body where it can be stored and used for energy. Without any or enough insulin, blood sugar can’t enter the cells and then builds up in the bloodstream to a higher than normal degree.

Too much blood sugar can easily damage the human body where it can then cause many damaging effects, symptoms and complications. Normally a person with type 1 diabetes is dependent on receiving insulin injections in many cases.


Type 2 Diabetes

Type 2 diabetes is a condition where the body cannot properly regulate and burn its glucose (sugar) as its form of  fuel. This condition is a chronic and can go on for years and the results is simply too much glucose flowing through the bloodstream. Too much blood sugar can lead to disorders of the nervous, circulatory and the immune systems in a diabetics body. When a person has type 2 diabetes, they actually have two different problems progressing. Their pancreas does not create enough insulin and their blood cells do not respond properly to the insulin which causes them to take in less sugar.

Type 2 diabetes can lead into the more serious type 1 diabetes. In many cases a change in diet, weight loss and more exercise is all it may take to put a handle and even eliminate type 2 diabetes.


All life insurance companies treat all forms of diabetes differently

We are going to get more into what life insurance companies are best for diabetes later is this article. The point I want to make now is it is critical to run a quick pre-screen of your condition (10 minutes). Then very carefully choose the correct life insurance company that is most likely to place you in the best health classification. The classification will determine what your premium will later be. A little leg work on your agents part (hopefully us) will go a long way to finding you the best policy and the lowest possible rates. Choosing the right company is the most important part of the whole application process by far.

The Prudential Life Insurance Company is going to be one of your best choices for life insurance for diabetics.

Using Independent vs Captive Agents to help you shop for life insurance 

Independent Agents:

There is a huge difference between these two types of advisors. The independent agents like ourselves (brokers) have full access to the entire life insurance market. This gives them the advantage of fine tuning the right company for each of their clients. Independent agents do not work for life insurance companies like captive agents do. Having an arsenal of companies to work with will guarantee you the lowest premium and that is always everyone’s bottom line. We are independents agents that work with over 40 top rated life insurance companies.

Captive Agents:

A captive agents works for an insurance company like State Farm or Farmers and has their employers main interest in mind. They have only one company to work with and getting life insurance for diabetics with most of them will not even be possible. They are never in a position to shop the market because captive agents simply have just one company available to them.


How difficult is it to buy life insurance for type 1 Diabetics?

Finding the best life insurance policy for people with diabetes can be a daunting task for some insurance agents. We have over two decades of experience helping people find the best life insurance for diabetics and other high risk medical conditions.

Just keep in mind that the more controlled your diabetes is, the lower your premiums may be because of the reduced risk factor. This is especially true if you are generally in good health other than your type 1 or type 2 diabetes. We shop the market with all the top rated carriers which many of these offer the most competitive rates for your specific condition.

It is not difficult to all to apply for life insurance when you are using the most applicable company and being assisted by an experienced independent agent.

Questions the insurers may ask:

  • Do you smoke cigarettes or use any other tobacco products?
  • What type of diabetes do you have?
  • Have you had any other tests for your diabetes?
  • Are you overweight or obese?
  • Do you have any other medical conditions other that diabetes?
  • Do you have any related complications, such as hypertension, vision or kidney issues?
  • What is your current diet and exercise routine?
  • Are you on Dialysis?
  • Have you ever had a diabetic or insulin coma?
  • What chronic medications do you take?
  • What is your height & weight?
  • Does diabetes run in your family?
  • Do you monitor your glucose levels yourself?
  • What are your past a1c levels and current reading?
  • How old were you when you were first diagnosed?
  • Have you been diagnosed with coronary artery disease or kidney disease?
  • Are you taking insulin, an oral medication or a combination of both?
  • What type of insulin do you use such as Novolog, Humalog, Lantus etc?
  • How many units of insulin do you take each day?

Questions such as these can be asked by the insurance companies and even a few by ourselves so we may properly pre-screen your condition. This will allow us to properly choose the most appropriate company for you to apply with.


Prerequisites to getting the best life insurance rates?

  • Does not have hypertension (high blood pressure)
  • Does not smoke or use any tobacco products
  • Has an A1C of 7.0 or less
  • Exercises regularly and has a healthy diet
  • Does not have any diabetic related complications
  • Has glucose under 130
  • Was diagnosed after the age of 50


Females with Gestational Diabetes?

Anytime a woman is pregnant, the female body naturally becomes more resistant to insulin. This is perfectly normal and the life insurance companies totally understand this. This is actually done by the body in order to nourish the babies with additional glucose.

When a woman’s body needs more insulin to process the excess glucose in blood. The pancreas simply secretes more as needed. If the pancreas does not keep up with the increased demand for insulin for any reason, blood sugar levels may rise too high.

This is usually because the cells aren’t using the extra glucose fast enough. The end result is called gestational diabetes. The good part is gestational diabetes is normally temporary condition. Most insurance companies are not very concerned about this. The number 1 concern is if the diabetes continues after the pregnancy has concluded and now becomes type 2 diabetes. As long as there are no indications of diabetes after the pregnancy, obtaining low rates on your life insurance application should not be an issue at all.


To qualify for the best rates, you want to meet these basic requirements:

Type 1 diabetes (juvenile form)

You must be over the age of 30 years old and be able to maintain constant a1c levels of below 7.

Type 1 diabetes (adult onset)

You must have a a1c level of below 7 and it must be at least 1 year since your diagnosis of diabetes.

Complications due to diabetes

If you have any complications such a skin conditions, eye related issues or foot problems. You may have a more difficult time getting the best rates possible. This will also be based on just how serious these 3 complications happen to be at the time of the application.

Use of medications and testing programs

The insurance company medical underwriters alway look for good consistent follow-ups with your doctor. There will usually have to be proof provided in the form of medical records to back you information up. This will help you to secure the best life insurance rates you could possibly qualify for.


Best life insurance companies for diabetics with no medical exam required:

Mutual of Omaha

Type 1 and 2 diabetes with a maximum diagnosis age of 50 and a face amount up the $250,000.

Assurity Life

Controlled type 2 diabetes only. Up to a $50,000 face amount.

American National

Controlled type 2 diabetes only with a maximum diagnosis age of 50 and a face amount up to $250,000.

Sagicor Life

Controlled type 2 diabetes without insulin used. A maximum diagnosis age of 50 and a face amount up to $500,000.

5 Star Life

 Type 1 and type 2 diabetes. Up to a $100,000 face amount.

United Home Life

Type 1 and type 2 diabetes. Up to a $50,000 face amount.

North American

Controlled type 2 diabetes without insulin used. Diagnosis age up to 40 years and a $500,00 face amount. 


The best Life insurance companies for diabetics with a medical exam required:

Banner Life

Controlled type 2 diabetes with a face amount up to $500,000.


Controlled type 1 and type 2 diabetes with a $20,000,000 face amount.

Protective Life

Controlled type 2 diabetes only. Up to a $10,000,000 face amount.

American National

Controlled type 2 diabetes and some type 1 cases. Up to a $1,000,000 face amount.

AIG American General

Controlled type 2 diabetes with a diagnosis age of 30. Face amount vary by age.


Applying over the telephone

Our application system consists of the most simple and quick application process in the industry. We use the modernlife insurance for diabetics photo telephone application. This is a very refined telephone application that will save you time and allow you to explain all your answers to the questions.

Take a moment to read understanding the application process blog post to get to know what to expect when applying for life insurance.

Applying over the telephone usually takes about 15-20 minutes. Obsolete paper applications from years ago could take well over an hour!

Types of insurance to consider applying for

There are quite a few different types of life insurance to apply for. Here are the main types for you to consider:

Term Life Insurance

Term life insurance for the majority of people is the only way to go. Especially if you want the lowest possible premium and the highest face amount to fit your budget. The very affordable term life insurance products have term periods between 10 – 40 years and can be converted to permanent policies.

Universal Life Insurance

Universal life insurance is simply a plan design that lasts for the rest of your life as long as you pay your premiums. Many people purchase universal life because they don’t want to be limited to a designated period of time like they would with term insurance.

Usually universal life costs more than double what term does. You can also purchase term life insurance for your most financially liable times and then add a small universal life plan to run for the rest of your life. You will then have the perfect life insurance portfolio for protection and cost.

No Medical Exam Life Insurance

No medical exam life insurance basically does what the name implies, no medical exam will be needed. Most all companies offer no medical exam policies because they are very popular because of no exam and blood test. Also because they are fast to be approved and placed into force. Some companies offer approval times in less than 24 hours.

Return of Premium Life Insurance

Return of premium life insurance policies are basically term policies. They have a rider that will return every dollar you paid in if you outlive the term period of your policy. All of the return of premium policies cost more but you very well might get all your money back. Most people outlive their term periods on a regular basis so this makes it a good gamble to choose.


Compare your options side-by-side

If you activate our websites quoting system you can compare instant life insurance quotes. To make it simple, pay special attention to the Prudential insurance company. They are one of the very best life insurance companies for type 1 diabetes and the other forms. Use the “Standard” health classification in the drop down menu. You should get an idea what your rates may be if you were to apply.

We need to run a quick medical prescreen so you get a more accurate prediction of your obtainable rates. Nobody likes to have any surprises after you apply and that is where a prescreen is very important especially with diabetes.


In Conclusion

I hope this blog post has given you a better understanding on how to buy life insurance for diabetics. Whatever form of diabetes you have, there are going to be a number of options for you. At this point in time you are going to have to get some help from an insurance professional to get you pointed in the right direction. Give us a call 7 days a week, we are here to help you. Check out our getting started page for more useful information you may like.

All the best,
Jack Venturi

You may setup a time to chat on the phone and get all your questions answered at you own convenience. There is never any cost or obligation for our help.


Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience selling all forms of individual and commercial insurance including Property & Casualty, Health, Disability and Life insurance. Jack has helped thousands of people all across the United States purchase the best life insurance products at the lowest possible premiums over the phone (800)-897-5699 and online.