Guide to Buying Life Insurance for Diabetics (2026)

If you’re living with diabetes, buying life insurance can feel confusing—or even intimidating. You may have heard you’ll be denied, overcharged, or forced to take a medical exam you don’t want. The truth is far more encouraging.

People with diabetes can—and do—qualify for affordable life insurance every day.

You just need to know how the process works, what insurers look for, and how to apply the smart way.

This complete guide walks you througheverything you need to know about buying life insurance with diabetes, including how to qualify, how much it costs, and how to get approved as fast as possible.

👉 Want to see what you qualify for right now?

Request a free life insurance quote in minutes—no obligation.

Can You Get Life Insurance If You Have Diabetes?

Yes—both Type 1 and Type 2 diabetics can qualify for life insurance, including term life, whole life, and even no-medical-exam policies.

Insurance companies don’t automatically deny applicants with diabetes. Instead, they evaluate how well your condition is managed and your overall health profile.

Most approvals come down to:

• Type of diabetes
• Age at diagnosis
• A1C levels
• Medication or insulin use
• Presence (or absence) of complications
• Lifestyle habits (smoking, weight, activity)

👉 The right insurer makes all the difference.

Some companies specialize in diabetic applicants and offer dramatically better rates.

Get matched with the best option—request your free quote today.

Type 1 vs. Type 2 Diabetes: What Insurers Look For

Life Insurance for Type 1 Diabetics

Type 1 diabetes is considered higher risk, but approval is still very possible—especially for applicants with:

• Stable A1C history
• Strong compliance with treatment
• No major complications
• A healthy lifestyle

Many Type 1 diabetics qualify for standard or table-rated policies, even without a medical exam.

Life Insurance for Type 2 Diabetics

Type 2 diabetes is extremely common, and insurers are very familiar with it. Applicants with:

• Controlled A1C levels
• Oral medications only
• Healthy weight
• No complications

often qualify for standard or even preferred rates.

👉 Not sure where you fall? A quick quote can show your best options instantly.

What Is A1C—and Why It Matters So Much

Your A1C reflects your average blood sugar levels over the past 2–3 months. It’s one of the most important factors insurers consider.

General guideline (varies by carrier):

• Under 7.0: Excellent
• 7.0–8.0: Good
• 8.1–9.0: Manageable
• Over 9.0: Higher risk, but still insurable

Even if your A1C isn’t perfect, the right carrier can still approve you.

👉 Don’t self-disqualify.

Let insurers compete for your application—request your free quote now.

Best Types of Life Insurance for Diabetics

1. Term Life Insurance (Best Value)

• Affordable coverage for 10–30 years
• Ideal for income replacement, family protection, and mortgages
• Many diabetics qualify for no-exam term life
• Start Your FREE Quote

2. Whole Life Insurance

• Lifetime coverage
• Fixed premiums
• Builds cash value
• Often easier approval for older diabetics
• Start Your FREE Quote

3. No Medical Exam Life Insurance

• No labs, no needles
• Fast approvals (sometimes same day)
• Slightly higher premiums—but incredibly convenient
• Start Your FREE Quote

How Much Does Life Insurance Cost for Diabetics?

Rates vary widely based on control, age, and coverage amount. Here’s a general idea:

       Profile                            Monthly Cost (20-Year Term, $250K)

        Well-controlled Type 2                                   $25-$45

        Moderate Type 2                                           $40-$70

        Well-managed Type 1                                    $55-%90

        No-exam options                                           $60-$110

💡 Shopping matters.

The same applicant can see price differences of 2–3x between insurers.

👉 Why overpay?

See your lowest rate instantly—free quote, no pressure.

How to Improve Your Approval Odds (Even with Diabetes)

Before applying:

• Take medications consistently
• Keep A1C trending downward
• Avoid smoking
• Maintain a healthy weight
• Be honest on your application

Most importantly: apply with the right carrier from the start.

Common Myths About Life Insurance for Diabetics

Myth: Diabetics are always denied

Truth: Millions are insured today

Myth: You must take a medical exam

Truth: Many policies require none

Myth: It’s too expensive

Truth: Rates are often very affordable with good management

👉 Don’t let myths cost your family protection.

Why Working with the Right Agency Matters

Not all insurers treat diabetics the same. Some quietly penalize diabetes. Others actively welcome it.

A diabetes-friendly agency:

• Knows which carriers approve faster
• Understands underwriting nuances
• Avoids unnecessary declines
• Finds the lowest possible rate

👉 Get your free, no-obligation life insurance quote now.

Final Thoughts: You Have More Options Than You Think

Diabetes does not disqualify you from life insurance—and it certainly doesn’t mean you should settle for expensive or limited coverage.

With the right strategy, the right insurer, and the right guidance, you can secure meaningful protection for the people you love.

👉 Take the next step now.

Request your free life insurance quote and see what you qualify for—no medical exam required for many applicants.

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:

• Tips for Buying Diabetes Life Insurance
• Term Life Insurance vs. Whole Life Insurance
• How a Level Term Life insurance Policy Works
• Use a Life Insurance Needs Calculator
• 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.

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