Life Insurance for Diabetics: Coverage Options, Tips, and What to Expect

Being diagnosed with diabetes doesn’t mean life insurance is off the table, but it does mean the process can look a little different. The good news? Many people with diabetes qualify for solid, affordable life insurance coverage when they understand their options and approach the process the right way.

Here’s what you need to know if you or a loved one has diabetes and is shopping for life insurance.

1. Work With an Agent Who Knows Diabetes Cases

Not all insurance agents are created equal.

An experienced life insurance agent who regularly works with diabetic clients can:

• Match you with carriers that are more diabetes-friendly

• Help you avoid unnecessary declines

• Guide you through underwriting expectations

• Advocate for better rates on your behalf

This alone can make a massive difference in approval and pricing.

2. Show That Your Diabetes Is Well Managed

Insurance companies care less about whether you have diabetes and more about how well it’s controlled.

Things that help your case:

• Consistent blood sugar management

• Regular doctor visits

• Medication compliance

• Healthy lifestyle habits (diet, exercise, weight management)

Strong A1C readings and a documented history of good management can lead to significantly better offers.

3. Be Honest on Your Application

This one is non-negotiable.

Insurance companies:

• Pull medical records

• Review prescription histories

• May require lab work or exams

If information doesn’t line up, your policy can be denied or canceled later even after it’s issued. Full transparency protects you and your beneficiaries.

4. Consider Guaranteed Issue Life Insurance (If Needed)

Guaranteed issue life insurance:

• Requires no medical exam

• Asks no health questions

• Is easier to qualify for

However:

• Coverage amounts are smaller

• Premiums are higher

• There may be a graded death benefit in early years

This option can make sense for diabetics who’ve been declined elsewhere or have multiple health conditions.

5. Compare Multiple Carriers

Every insurance company views diabetes differently.

Some are more lenient with:

• Type 2 diabetes

• Older diagnoses

• Well-controlled cases

Shopping multiple carriers increases your chances of:

• Approval

• Better pricing

• Better policy terms

This is where a knowledgeable agent really earns their keep.

6. Consider Term Life Insurance for Affordability

For many diabetics, term life insurance is a smart and cost-effective choice.

It provides coverage for:

• 10, 20, or 30 years

• Peak financial responsibility years

• Mortgage protection

• Income replacement

Term policies are often the most affordable way to secure meaningful coverage.

7. Ask About Guaranteed Insurability Riders

Some policies allow you to:

• Increase coverage later

• Skip future medical underwriting

This can be helpful if your income grows or your family situation changes — especially when long-term health is unpredictable.

Final Thoughts

Getting life insurance with diabetes may take a little extra effort, but it’s absolutely possible.

The key is:

• Working with the right agent

• Understanding your options

• Being patient and strategic

With the right approach, you can secure coverage that protects your family and gives you peace of mind regardless of your diagnosis.