Yes, many people with both Type 1 and Type 2 diabetes qualify for life insurance coverage. Diabetes is one of the most common conditions carriers evaluate, and most have established underwriting guidelines specifically for diabetic applicants. The availability and cost of coverage depend primarily on the type of diabetes, how well it is controlled, the presence of any complications, and the specific carrier's underwriting criteria.
For Type 2 diabetes, which is the more common form, well-controlled cases often qualify for standard or even standard-plus rate classifications. Key factors carriers evaluate include A1C levels (generally below 7.0 to 8.0 depending on the carrier), age at diagnosis, medications used (oral medications are generally viewed more favorably than insulin), the presence of complications (neuropathy, retinopathy, nephropathy), and overall cardiovascular health including blood pressure, cholesterol, and weight.
Type 1 diabetes underwriting is typically more restrictive because it generally involves lifelong insulin dependency and earlier onset. However, coverage is still available, particularly for individuals with well-managed conditions, good A1C control, and no significant complications. Some carriers specialize in Type 1 coverage and may offer more competitive rates than general market carriers.
Pre-diabetes (A1C between 5.7 and 6.4) is generally not a significant underwriting concern and may not affect rates at all if other health factors are favorable. For all types of diabetes, consistent treatment with a healthcare provider, documented medication compliance, and stable A1C readings over time significantly improve underwriting outcomes. Agents in our network can match your diabetes profile with carriers known for competitive diabetes underwriting. All coverage is subject to underwriting approval by the issuing carrier.