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Life Insurance for Diabetics -- Get a Quote
Having diabetes doesn't rule out life insurance -- how it's managed, your A1C levels, and any complications all factor into what's available and at what price.
Is this right for you?
- You have Type 1 or Type 2 diabetes and are shopping for life insurance
- You want to understand how well-managed diabetes affects your options
- You've been declined before and want to try again with different carriers
Your options
Traditional underwriting -- well-managed diabetes can sometimes still qualify for reasonable rates depending on the carrier.
Fewer health questions, faster approval -- may be a fit if traditional underwriting is a concern.
No health questions at all -- an option if other paths haven't worked, typically smaller coverage amounts.
Common questions
Can I get life insurance if I have diabetes?
In most cases, yes -- carriers vary significantly in how they underwrite diabetes, which is why comparing multiple options matters.
Does Type 1 vs. Type 2 diabetes affect my options differently?
Yes, generally -- underwriting criteria differ, along with factors like age of onset, A1C control, and any complications.
What if I've been declined before?
A decline from one carrier doesn't mean all carriers will decline you -- underwriting standards vary, and it's often worth trying with a different one.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.