Help protect your family’s future. Enter your zip code to get your free quote today!

Get Your Free Quote

Finding Affordable Life Insurance for Diabetics

It may be possible to find affordable life insurance even if you're diabetic. If you have diabetes, you should be prepared to answer some questions about your health, including any medications you're taking and other details about your diabetes treatment. You'll also need to decide whether you want term life insurance or permanent life insurance.

Life Insurance Options

Life insurance can be bought either as a permanent life insurance policy, covering your entire life (as long as your premiums are paid on time and in full), or a term life insurance policy, covering a given period of time. A term life insurance policy can cover a period as short as a year or as long as 30 years or more.

Getting the Best Rates on Affordable Life Insurance

When you apply for life insurance, an insurance company may want to know more information about your health. For a fully underwritten policy, a medical exam may be necessary.

Questions you may be asked by a life insurance company could include:

  • Do you have Type 1 or Type 2 diabetes?
  • How old were you when you were diagnosed with diabetes?
  • What are your current blood sugar levels?
  • What medications are you taking, if any?

You may also be asked about other diabetes risk factors, such as any family history with diabetes, your diet and your level of physical activity. Depending on the type of life insurance policy, you may also be required to take a physical exam, which could include a drug test.

It's true that you may end up paying more for a life insurance policy than someone without diabetes, but it's going to depend on your overall health assessment. If your general health is good, you're more likely to find affordable life insurance options.

Guaranteed Issue Life Insurance

If you do not qualify for a fully underwritten life insurance policy, a guaranteed issue policy may help you get the coverage you need. Guaranteed issue life insurance policies are available to individuals in a certain age range (50-85 is common), regardless of current or past health issues. There's no medical exam or health questionnaire.*

Connect with a licensed life insurance agent today by calling 800-966-7169.


This is an advertisement for life insurance. 
Applications for life insurance may be subject to acceptance by insurer. Issuance of the policy may depend upon answers to health questions. Rates and coverage amounts depend upon the carrier selected. Your policy may be subject to underwriting approval. You will receive only the benefit amount in the policy issued.
*Guaranteed issue life insurance policies are available to individuals within a certain age range. You will receive only the benefit amount in the policy issued. Plans may have a graded death benefit for the first two years. In order for the policy to remain in effect, premiums must be paid as they become due.


Help protect your family’s future. Enter your zip code to get your free quote today!

Get Your Free Quote

Related Information

The Minimum Age for Life Insurance and Other Considerations

There's no real minimum age for life insurance. Shop around to find the right life insurance policy for your needs.

Read More

Why Buy Convertible Term Life Insurance?

A convertible term life insurance policy allows you to change it to a permanent policy at some point during the life of the policy.

Read More

Recommending Life Insurance Coverage

Shopping for life insurance? Here are our recommendations for choosing a policy that's right for you.

Read More

Term Life Insurance for Senors

Term life insurance and permanent life insurance are both options for seniors, though some life insurance companies may have age restrictions on their policies.

Read More

Guide to the Importance of Life Insurance

Is life insurance important? Here are seven important reasons why you should consider purchasing a life insurance policy.

Read More

What Is Guaranteed Acceptance Life Insurance?

If you're a senior who's shopping for life insurance policies, you may consider guaranteed-issue life insurance.

Read More

Is Whole Life Insurance a Smart Purchase?

Whole life insurance policies build cash value, but they tend to be more expensive than term life insurance.

Read More

How Does Whole Life Insurance Work vs Term Life

Whole life insurance is a type of permanent life insurance policy that accumulates cash value over time.

Read More

How to Decide Whether You Need Supplemental Life Insurance

Supplemental life insurance policies can work alongside your employer-provided life insurance coverage. Learn more about this form of life insurance.

Read More