Diabetes Life Insurance FAQs: Answers to the Most Common Questions

If you or a loved one has diabetes, finding affordable life insurance can feel confusing—or even impossible.

The good news? Millions of people with diabetes qualify for life insurance every year, often at very reasonable rates.

This page answers the most frequently asked questions about diabetes life insurance, clearly and honestly.

Whether you have Type 1, Type 2, or pre-diabetes, you’ll find straightforward answers—and learn how to get a free life insurance quote today without obligation.

What Is Diabetes Life Insurance?

Diabetes life insurance refers to life insurance policies available to people diagnosed with Type 1 diabetes, Type 2 diabetes, gestational diabetes, or pre-diabetes.

There is no special "diabetes-only" policy—instead, insurance companies assess your health history, diabetes management, and overall risk to determine eligibility and pricing.

👉 You may qualify for more coverage than you think. Get a free quote in minutes.

Can You Get Life Insurance If You Have Diabetes?

Yes. Having diabetes does not automatically disqualify you from life insurance.

Most insurers approve applicants with:

• Well-controlled blood sugar levels
• Consistent medical care
• No major diabetes-related complications

Many people with diabetes qualify for:

• Term life insurance
• Whole life insurance
• No medical exam life insurance
• Simplified issue policies

👉 Compare your options instantly—request a free diabetes life insurance quote now.

Is Life Insurance More Expensive with Diabetes?

Sometimes—but not always.

Your rate depends on factors such as:

• Type of diabetes
• Age at diagnosis
• A1C levels
• Medications or insulin use
• Overall health and lifestyle

Well-managed Type 2 diabetes can still qualify for competitive rates and even Type 1 diabetics often receive affordable offers.

👉 Don’t assume you’ll pay more. See real rates with a free quote today.

What Types of Diabetes Do Insurers Cover?

Life insurance companies typically cover:

Type 1 Diabetes

• Diagnosed early in life
• Often requires insulin
• Approval possible with good long-term control

Type 2 Diabetes

• Most common
• Often diet- or medication-controlled
• Typically easier to insure

Pre-diabetes

• Often qualifies for near-standard rates
• Early action can lock in lower premiums

Gestational Diabetes

• Usually not rated once pregnancy-related issues resolve

👉 Your diagnosis doesn’t define your options. Request a personalized quote now.

Do You Need a Medical Exam for Diabetes Life Insurance?

Not always.

You may qualify for:

• No medical exam life insurance
• Simplified issue policies
• Same-day approval coverage

These options typically involve health questions instead of lab work and are ideal for people who want fast coverage.

👉 Skip the exam and get a free quote today.

What Questions Do Life Insurance Companies Ask About Diabetes?

Expect questions such as:

• When were you diagnosed?
• What was your most recent A1C?
• Are you taking insulin or oral medications?
• Have you had any diabetes-related complications?
• How often do you see your doctor?

Being honest helps ensure approval and prevents issues later.

How Much Life Insurance Can You Get with Diabetes?

Coverage amounts vary, but many diabetics qualify for:

• $100,000 to $500,000 with simplified underwriting
• $1,000,000+ with fully underwritten policies
• Smaller policies for final expenses if needed

The right option depends on your goals and health profile.

👉 Find out how much coverage you qualify for—request a free quote today.

Can You Get Life Insurance with Diabetes and Complications?

Yes, in many cases.

Conditions like:

• Mild neuropathy
• Controlled blood pressure
• Early kidney changes
• may still qualify for coverage, especially through specialized carriers.

What’s the Best Life Insurance for Diabetics?

There’s no single "best" policy—but the best choice depends on:

• Your age and health
• How long you want coverage
• Your budget and goals

Working with carriers that specialize in diabetes underwriting often leads to better outcomes.

👉 Let us match you with the right company—request your free quote today.

How Long Does Approval Take?

Approval timelines vary:

• No exam policies: same day to a few days
• Simplified issue: 24–72 hours
• Fully underwritten policies: 2–6 weeks

Fast approval is possible—even with diabetes.

Why Compare Diabetes Life Insurance Quotes?

Every insurer treats diabetes differently. Comparing quotes helps you:

• Avoid overpaying
• Find diabetic-friendly carriers
• Get approved faster
• Lock in lower long-term rates

👉 Comparison costs nothing. Request your free diabetes life insurance quote now.

Final Thoughts: Diabetes Shouldn’t Stop You from Getting Covered

Life insurance with diabetes is not only possible—it’s common. With the right guidance and carrier selection, you can protect your family and secure peace of mind.

Diabetes 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. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.

Highly Recommended – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 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.

• Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

Resources:

• Guide to Buying Life Insurance for Diabetics
• Tips for Buying Diabetes Life Insurance
• No Exam Life Insurance for Diabetics
• 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

How We Keep This Guide Accurate: We regularly updates our content to reflect the latest rates and industry trends. We are committed to providing transparent, unbiased information to help you make the best decision for your family.

At Term-Life-Online.com We value your trust and privacy.