Tips for Buying Diabetes Life Insurance (What Insurers Don’t Tell You)

If you have diabetes and think life insurance is out of reach—or too expensive—you’re not alone. Many people with diabetes delay coverage because of outdated myths, confusing underwriting rules, or fear of rejection.

The truth? Life insurance for diabetics is not only possible—it’s often affordable when you know how to shop smart.

This guide breaks down the most important tips for buying diabetes life insurance, so you can secure the protection your family deserves—without overpaying or wasting time on the wrong policies.

👉 Want to see what you qualify for right now? Request a free diabetes life insurance quote and compare real options in minutes—no obligation.

Tip #1: Know That Diabetes Is Rated on Control, Not Just Diagnosis

One of the biggest mistakes people make is assuming all diabetes is treated the same by insurers. It’s not.

Life insurance companies focus heavily on:

• A1C levels
• How long you’ve had diabetes
• Type 1 vs. Type 2
• Medications (oral vs. insulin)
• Complications (or lack of them)
• Overall lifestyle and health

Well-controlled diabetes = better rates.

Many diabetics qualify for standard or even preferred pricing with the right carrier.

👉 Find out how insurers view your diabetes today. Get a free personalized quote now.

Tip #2: Shop Multiple Insurance Companies (This Matters More for Diabetics)

Not all insurance companies treat diabetes the same way. Some are extremely conservative, while others specialize in high-risk or chronic conditions.

A policy that’s declined by one carrier may be:

• Approved instantly by another
• Offered at a much lower rate
• Available with no medical exam

👉 Never apply to just one company if you have diabetes.

Tip #3: Choose the Right Type of Life Insurance for Diabetes

There are several types of life insurance available for diabetics. Choosing the right one can save you thousands.

Term Life Insurance (Best for Most Diabetics)

• Affordable
• Coverage for 10–30 years
• Ideal for income replacement and family protection
• Start Your FREE Quote

No Medical Exam Life Insurance

• No exam required
• Faster approval
• Slightly higher cost, but excellent for moderate diabetes
• Start Your FREE Quote

Guaranteed Issue Life Insurance

• No health questions
• Guaranteed approval
• Higher premiums and lower coverage amounts
• Best as a last resort
• Start Your FREE Quote

Tip #4: Timing Your Application Can Lower Your Rate

Applying at the right time can make a huge difference.

Smart timing tips:

• Apply after improving A1C levels
• Avoid applying during medication changes
• Wait until recent lab results look strong
• Don’t apply immediately after a diabetes diagnosis if control is improving

A small delay can mean lower premiums for decades.

👉 Let us help you apply at the right time with the right company.

Request a free quote today.

Tip #5: Be Honest—But Strategic—on Your Application

Honesty is non-negotiable. However, how your application is structured matters.

A knowledgeable agent ensures:

• Correct medical wording
• Accurate medication details
• Proper explanation of diabetes control
• No unnecessary red flags

This can be the difference between approval and denial.

👉 Avoid costly mistakes. Get expert help for free. 

Tip #6: Don’t Assume "No Exam" Means "Worse Coverage"

Many diabetics assume no-exam life insurance is inferior. In reality, today’s policies often offer:

• Competitive pricing
• Same death benefit protection
• Fast approvals (sometimes same day)

For well-managed diabetes, no-exam options can be an excellent solution.

👉 See if you qualify for no-exam diabetes life insurance.

Get your free quote now.

Tip #7: Younger Diabetics Have More Options Than They Realize

If you’re young and diabetic, this is critical: age works in your favor.

Younger applicants often qualify for:

• Longer term lengths
• Lower premiums
• More carrier options
• Higher coverage amounts

Waiting almost always costs more later.

👉 Lock in lower rates while you’re younger.

Tip #8: Work with Someone Who Specializes in Diabetes Life Insurance

General agents often don’t understand how to position diabetic applications properly. Specialists do.

A diabetes-focused approach means:

• Access to diabetes-friendly insurers
• Higher approval rates
• Better pricing
• Less stress

👉 Work with experts who know diabetes underwriting.

Frequently Asked Questions About Diabetes Life Insurance

1. Can you get life insurance with diabetes?

Yes. Thousands of diabetics are approved every year, often at affordable rates.

2. Is Type 1 diabetes harder to insure than Type 2?

Generally yes—but many Type 1 diabetics still qualify for excellent coverage with the right company.

3. What A1C do insurers like to see?

Lower is better, but many companies consider applicants with A1C levels under 8 favorably.

Final Thoughts: The Right Strategy Makes All the Difference

Buying life insurance with diabetes doesn’t have to be frustrating or expensive. With the right information, timing, and carrier selection, you can absolutely secure strong coverage for your family.

The biggest mistake? Doing nothing.

👉 Take the next step now. Request your free diabetes life insurance quote today and see what you actually qualify for—no obligation, no pressure.

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
• Term Life Insurance vs Whole Life Insurance
• How Much Life Insurance Do You Need?
• 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.

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