• Jul 02, 2025
• By Brian

Life Insurance for People with Pre-Existing Diabetes

Living with diabetes can present unique challenges, especially when seeking financial protection through life insurance. However, having diabetes does not mean you cannot secure a life insurance policy. With the right approach, individuals with pre-existing diabetes can find affordable and comprehensive coverage to safeguard their loved ones’ futures.

Understanding Life Insurance Options for Diabetics

Insurance providers assess risk differently, and having diabetes may affect your premiums or policy options. The key factors insurers consider include:

(Type 1, Type 2, or gestational)

(A1C levels, medication, lifestyle)

(blood pressure, cholesterol, complications)

Types of Life Insurance Available

– Provides coverage for a specific period (e.g., 10, 20, or 30 years).
– Generally more affordable than permanent policies.
– Best for those seeking temporary financial protection.

– Offers lifelong coverage with a cash value component.
– Premiums are higher but remain fixed.
– Suitable for long-term financial planning.

– No medical exam required.
– Higher premiums and lower coverage amounts.
– Ideal for those with severe diabetes complications.

– No medical exam but requires a health questionnaire.
– Faster approval than traditional policies.

How to Improve Your Chances of Approval

– Stable A1C levels (typically below 7%) improve insurability.

– Well-managed cardiovascular health reduces risk.

– A healthy BMI can lead to better rates.

– Smokers with diabetes face significantly higher premiums.

– An insurance broker experienced in high-risk cases can help find the best options.

Comparing Quotes from Multiple Providers

Not all insurers view diabetes the same way. Some companies specialize in high-risk cases and offer more competitive rates. Comparing quotes from multiple providers ensures you get the best possible deal.

Top Insurers for Diabetics

(offers discounts for healthy habits)

Final Thoughts

Securing life insurance with diabetes is possible, though it may require extra effort. By managing your condition effectively and working with the right insurer, you can obtain a policy that provides peace of mind for you and financial security for your family.

If you have pre-existing diabetes, don’t delay—start exploring your life insurance options today.

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Would you like any modifications or additional details on specific policy types?