Can You Get Life Insurance with Diabetes and No Medical Exam?

Yes — you can get life insurance with diabetes, even with no medical exam, if you qualify for coverage.

If you or a loved one has Type 1 or Type 2 diabetes, there are legitimate life insurance options designed specifically to make approval fast, simple, and stress‑free.

This guide explains exactly how no‑exam life insurance for diabetics works, who qualifies, how much coverage you can get, and how to secure the best possible rate— all without bloodwork or doctor visits.

👉 Want to see your options right now? Request a free life insurance quote in minutes »

Life Insurance with Diabetes: What You Need to Know

Diabetes does not automatically disqualify you from life insurance. Insurers care more about how well your condition is managed than the diagnosis itself.

Many people with diabetes qualify for:

• No medical exam life insurance
• Instant or same‑day approval
• Affordable monthly premiums
• Coverage amounts up to $500,000 or more

Even if you’ve been declined before, newer underwriting models have made coverage far more accessible.

👉 Check your eligibility instantly — no obligation »

What Is No Medical Exam Life Insurance for Diabetics?

No medical exam life insurance allows you to apply and get approved without:

• Blood tests
• Urine tests
• Physical exams
• Doctor appointments

Instead, insurers rely on:

• Health questionnaires
• Prescription history
• Motor vehicle records
• Medical databases (when applicable)

This makes it ideal for diabetics who want fast coverage without invasive testing.

👉 See how much coverage you qualify for today »

Can You Get Approved with Type 1 Diabetes?

Yes. People with Type 1 diabetes can qualify for no‑exam life insurance, especially if:

• Your A1C levels are stable
• You follow a treatment plan
• You have no major diabetes‑related complications

While rates may be higher than for non‑diabetics, coverage is absolutely available.

👉 Compare Type 1 diabetes life insurance rates now »

Can You Get Approved with Type 2 Diabetes?

Absolutely. Type 2 diabetes is one of the most commonly approved conditions for no‑exam life insurance.

You may qualify for better rates if:

• Your diabetes is diet‑controlled or managed with oral medication
• You maintain healthy A1C levels
• You have no history of heart disease, stroke, or kidney disease

Many applicants with Type 2 diabetes are approved the same day.

👉 Get a free Type 2 diabetes life insurance quote »

Best No Medical Exam Life Insurance Options for Diabetics

1. No‑Exam Term Life Insurance

Best for maximum coverage at the lowest cost.

• Coverage: $50,000 – $500,000+
• Terms: 10, 15, 20, or 30 years
• Ideal for income replacement, mortgages, and family protection
• Start Your FREE Quote

2. Simplified Issue Life Insurance

No exam, fewer health questions.

• Coverage: $25,000 – $250,000
• Fast approvals
• Slightly higher premiums
• Start Your FREE Quote

3. Guaranteed Issue Life Insurance

No health questions at all.

• Coverage: $5,000 – $25,000
• Guaranteed acceptance
• Best for final expenses
• Start Your FREE Quote

How Much Does Life Insurance Cost with Diabetes?

Costs depend on several factors:

• Type of diabetes (Type 1 or Type 2)
• Age at diagnosis
• A1C history
• Medications (insulin vs. oral meds)
• Overall health

While diabetics may pay more than non‑diabetics, no‑exam policies often cost less than expected, especially for well‑controlled conditions.

👉 Find out your exact monthly cost — free quote »

How to Improve Your Approval Odds (Even without an Exam)

To maximize approval and lower rates:

• Apply while your diabetes is stable
• Be honest on your application
• Take medications as prescribed
• Maintain routine doctor visits

Working with carriers that specialize in diabetic underwriting can make a significant difference.

Frequently Asked Questions

1. Will insurers check my medical records?

They may review prescription history and medical databases, but no lab work or exams are required.

2. Can I get same‑day approval?

Yes. Many no‑exam policies offer instant or same‑day decisions.

3. What if I’ve been declined before?

You may still qualify. Different insurers assess diabetes differently.

4. Is no‑exam life insurance safe and legitimate?

Yes. These policies are issued by top‑rated U.S. insurance companies.

Final Thoughts: Yes, You Can Get Life Insurance with Diabetes — No Exam Required

Living with diabetes shouldn’t prevent you from protecting your family. Today’s no medical exam life insurance options make coverage fast, accessible, and affordable — even with Type 1 or Type 2 diabetes.

👉 Take the next step. Request your free life insurance quote now »

No obligation. No medical exam. Real coverage you can trust.

Compare Life Insurance Quotes

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 63 top life insurance companies and find you affordable life insurance you need to protect your family and fit your budget. 

JRC Insurance offers up to $2,000,000 of life insurance with no medical exam required.

You can get approval for your insurance policy in as little as 10 minutes to 2 days. JRC offers no exam life insurance for diabetics, too.

JRC offers some of the best rates on life insurance policies without any health exams required.

You can choose from $25,000 to $2,000,000 of no exam life insurance coverage from several leading life insurance carriers through JRC Insurance Group. Start Your FREE Quote.

Highly Recommended – United of Omaha

United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.

Resources:

• Tips for Buying Life Insurance with No Exam
• Life Insurance No Exam FAQs
• Pros and Cons of Life Insurance with No Exam
• A.M. Best Company: Compare financial strength ratings of life insurance companies
• Life Happens.org: Learn about life insurance and review facts.

About Our Methodology

Reviewed By: President of Term Life Online – AU, AAI, ARM

• 30+ years of experience in insurance planning

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