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While underwriting guidelines can and do change and there are exceptions made with regard to the following, usually, if you’ve been diagnosed with Diabetes after age 55 to 60, have excellent control (A1C of 6.5 or less), no diabetic complications, good height and weight, you’re a non-tobacco user and your overall health is excellent otherwise, you MAY be able to qualify for a “Preferred” life insurance rate (possibly Preferred Plus) with some of the aggressive life insurance companies for Diabetics.
If you want life insurance and have been diagnosed with Diabetes after age 50 (but prior to 55-60), have excellent control and all else is good, you may be able to qualify for a Regular Plus or Regular rate.
Being diagnosed with Diabetes prior to the age of 50 will almost always cause insurance companies to “rate” you or only offer a rate that is higher than the “Regular” rates. The rating for which you’ll qualify will depend on your exact age when diagnosed, whether you’re Type 1 or Type 2, your degree of Diabetic control and overall health otherwise. The actual cost could be only a little bit higher than the Regular rate to a lot higher than the Regular rate, depending on your particular Diabetes criteria.
If you’ve had severe Diabetic complications like kidney failure, leg amputations or blindness, then most of the life insurance companies would decline you for insurance. For people that would be declined for insurance, we have simplified issue or guaranteed issue products available. These simplified issue or guaranteed issue types of life insurance products are specifically for people with more severe health issues. We only use these products as a last resort as they are expensive and they would not pay out the full death benefit amount if death occurs in the first 2 to 3 policy years if death was due to Diabetes.
The good thing is that almost all people with Diabetes are able to get life insurance coverage. You can get a quote for your Diabetes life insurance needs to the above right and then provide at least your email address and we’ll contact you with information and best rates for you. We’ll never call you unless you request that we do as we understand that you may just be looking for information about life insurance, but don’t necessarily want to talk to an agent or even buy a policy.
