No Exam Life Insurance for Diabetics: Affordable Coverage Without the Medical Exam

Living with diabetes shouldn’t stop you from protecting your family’s financial future. Today, no exam life insurance for diabetics makes it possible to get meaningful coverage without needles, labs, or doctor appointments.

Whether you have Type 1 or Type 2 diabetes, well-controlled or newly diagnosed, there are options designed to fit your health profile—and your budget.

👉 Ready to see what you qualify for? Request a free, no‑obligation life insurance quote in minutes and compare options built for diabetics.

What Is No Exam Life Insurance for Diabetics?

No exam life insurance is a policy that doesn’t require a medical exam to apply. Instead of bloodwork or urine tests, insurers use a short health questionnaire and, in many cases, prescription history or medical records.

For diabetics, this means:

• No needles or lab work
• Faster approvals (often same day)
• Coverage amounts that actually make sense for families

Bottom line: You can get insured without putting your health under a microscope.

Can Diabetics Really Get Life Insurance with No Medical Exam?

Yes—many diabetics qualify every day. Approval depends on factors like:

• Type of diabetes (Type 1 or Type 2)
• Age at diagnosis
• A1C levels and overall control
• Medications (insulin vs. oral meds)
• Other health conditions

Well‑managed diabetes often leads to surprisingly affordable rates, especially with modern no‑exam policies.

👉 Find out where you stand. Get a free quote and see which insurers are most diabetic‑friendly.

Types of No Exam Life Insurance for Diabetics

1. No Exam Term Life Insurance

Best for income replacement and family protection.

• Coverage amounts: $50,000 to $2,000,000
• Terms: 10, 15, 20, 25, or 30 years
• Lowest cost for the most coverage
• Many diabetics qualify with controlled A1C levels

Ideal if: You want maximum protection at the lowest monthly cost.

👉 Check term life rates now—it only takes a few minutes.

2. Simplified Issue Life Insurance

No exam, fewer health questions.

• Faster approvals
• Moderate coverage amounts
• Slightly higher cost than term

Ideal if: You want speed and simplicity with decent coverage.

👉 Request a simplified issue quote and see instant options.

3. Guaranteed Issue Life Insurance

No exam. No health questions. Guaranteed approval.

• Coverage amounts usually $5,000–$25,000
• Higher premiums
• Often includes a graded death benefit

Ideal if: You’ve been declined elsewhere or have advanced diabetes complications.

👉 Get a free guaranteed issue life insurance quote now.

How Much Does No Exam Life Insurance Cost for Diabetics?

Rates vary based on age, diabetes control, and policy type. In many cases, diabetics pay far less than expected, especially when:

• A1C is under control
• No recent hospitalizations
• No severe complications

Good news: Shopping multiple insurers can reduce your rate dramatically.

👉 Compare multiple carriers for free and lock in the best price.

How to Qualify for the Best Rates as a Diabetic

Follow these tips before applying:

• Take medications as prescribed
• Know your most recent A1C
• Be honest on the application
• Work with an independent agent who knows diabetic underwriting

The right strategy can be the difference between approval and denial.

Why Work with a Diabetic‑Friendly Life Insurance Specialist?

Not all insurance companies treat diabetes the same. Some specialize in diabetic underwriting and offer:

• Lower premiums
• Higher approval rates
• Flexible guidelines

An independent specialist shops multiple carriers so you don’t have to.

👉 See which insurers are best for diabetics—get your free quote today.

Frequently Asked Questions

1. Can Type 1 diabetics get no exam life insurance?

Yes. Approval depends on age, control, and overall health, but many Type 1 diabetics qualify.

2. What A1C is needed to qualify?

Many insurers prefer A1C levels under 8.0, but options exist above that.

3. Is no exam life insurance more expensive?

Sometimes slightly—but competition among carriers keeps rates competitive.

Get a Free No Exam Life Insurance Quote Today

You’ve worked hard to manage your health. Now it’s time to protect the people who matter most.

 ✅ No medical exam

 ✅ Fast approvals

 ✅ Options for Type 1 and Type 2 diabetics

👉 See how affordable coverage can be with no exam required.

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+ 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 overage from several leading life insurance carriers through JRC Insurance Group. Start Your FREE Quote.

Highly Recommended – Globe Life Insurance

Get FREE Information On How $1* Can Buy Up To $100,000 Globe Life Insurance For Adults Or Children

• No Medical Exam – Simple Application.
• No Waiting Period. Buy Direct.
• Rates As Low As $3.49 Per Month.
• The Globe Life Family Of Companies Has Nearly 17 Million Policies In Force.
• No Phone Required. No Credit Required.
• The Globe Life Family Of Companies Has Over $224 Billion Of Coverage In Force.
• Globe Life Is Rated A (Excellent) By A.M. Best Company As Of August 2023.

Highly Recommended – Allstate Benefits Insurance Company

Allstate Benefit's Guaranteed Acceptance policy offers $10,000 to $75,000 of coverage to working applicants between the ages of 18 and 70. Rates start as low as $9.65 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply today. No waiting period. Start Here to get a FREE Quote. 

NOTE: To qualify, applicants must be working at least 20 hours per week, and not collecting any form of disability income or SSDI.

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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