Life Insurance for Diabetics Definitive Guide for Best Rates

Finding affordable life insurance for diabetics can be a long and complicated process and trying to figure out rates, underwriting guidelines and which life insurance carriers will be best for you seems to be even more difficult.

If you're open to a different idea on how to obtain the best life insurance as a diabetic...

Instead of just applying to one insurance company and hoping for the best (which is NOT a good strategy)...

Then guess what?

Not only can you get life insurance as a diabetic, but if you go through the correct process, with the right independent agent, you can get the most affordable policies available to you. 

There isn't a one size fits all answer, but we are able to get everyone we work with some coverage.

Today, this guide will go over how life insurance for people with diabetes will work, what the process for getting the best approval is, and how to get an accurate quote. 


What Is Life Insurance For Diabetics?

While there isn’t a particular policy for someone who is diabetic and needs life insurance, there is a specific set of underwriting criteria that you would need to meet before you can be approved for coverage.

Every day, there are hundreds of people getting approved at excessively high life insurance rates even getting turned down for life insurance coverage due to having diabetes.

But hear me out: 

This is usually due to an inexperienced insurance agent submitting an application to any life insurance company and hoping for the best outcome.

Diabetic life insurance is life insurance for people with any type of diabetes, and underwriting diabetics to find the most affordable coverage requires a system.

Remember, just because one insurance company declined you for coverage due to diabetes, doesn’t mean that every insurance company will refuse you.

A good agent, broker, or website should quote you a range of what your cost could be and then do everything they can to get you the best offer. 

There is a complete process for anyone who needs this type of life insurance, and we discuss it below.

Why Insurance Companies Care If You're Diabetic

It isn’t that life insurance companies care specifically about your diabetes, they actually just care about any type of health risk that they may be taking on.

Diabetes falls into one of those higher risk factors. According to Diabetes.org, diabetes was the seventh leading cause of death in the United States in 2015 based on the 79,535 death certificates in which diabetes was listed as the underlying cause of death.

I’m not trying to scare you with the above statistics.

However, insurance companies only see this as a potential risk, so before they can issue you a life insurance policy, they need to make sure they give you an accurate rate class to take you on as a customer.

Their ultimate goal is to determine if your current medical condition or situation will cause you to pass away sooner than you should, or if you will be able to live a normal life expectancy.

In the next section, we will discuss precisely what factors are used to determine your life insurance approval.

Life Insurance Underwriting For Diabetics

If you are a person with diabetes and you want to obtain life insurance, the insurance companies will take you through a process called underwriting to determine if you can be approved for coverage and what rate class they'll offer you.

Some of the things they look for are:

Type of Diabetes

The type of diabetes you have will play a significant role in the cost of your life insurance policy. 

If you are a Type 1 Diabetic, you are probably on insulin, and your rates could be slightly higher than they would be if you were only on Metformin or other oral medications. 

People with Type 2 diabetes usually get better rates because most people that have diabetes are Type 2, and Type 2 diabetes is seen as easier to manage than Type 1. 

There is also Gestational diabetes that usually diagnosed to pregnant women but usually goes away after the pregnancy. 

I haven’t seen any situations in the past where gestational diabetes affected a customers rates. 

However, I do recommend applying for life insurance before you get pregnant or after the pregnancy and your blood sugar level returns to normal.

Whether you had type 1 diabetes diagnosed as a child or type 1 or type 2 diabetic diagnosed as an adult, there are life insurance companies that will provide good policy offers on term life insurance, universal life insurance or other types of permanent life insurance.

Good Hemoglobin A1C

Your A1C level is one of the most important metrics when it comes to acquiring the absolute best diabetic life insurance rate possible.

An optimal HbA1C for life insurance underwriting purposes is less than 7.0%.

Most of the competitive life insurance companies for diabetics will decline you if your A1C sugar level is above 9.0.

However, some relatively competitive insurance companies may offer you coverage if your A1C is less than 10.

This, of course, is assuming your health is okay otherwise, and you have not had any diabetic complications like neuropathy, retinopathy, nephropathy or other kidney issues.

Height & Weight

Your height and weight are significant factors in acquiring the best rate because being overweight is a contributing factor to diabetes, especially type 2. 

So, maintaining a proper weight should help you maintain better blood sugar control and will help you secure the best life insurance quote possible.

Age Diagnosed

The final piece of the puzzle in acquiring the best life insurance rate if you have diabetes, is your age when diagnosed with diabetes and how long you’ve had diabetes. 

The older you were when you were diagnosed, the better, as far as life insurance underwriting is concerned.

Life insurance for seniors will be more affordable if they have diabetes than it would be for a young adult. 

Overall Health 

Having optimal cholesterol levels, blood pressure, overall good health, good diet and exercise program are also things that the best life insurance companies for diabetics will look at and these can help us to get you credits for an even better offer...

As long as we put the pressure on!

Life Insurance For Diabetics Type 1

There are some really aggressive insurance companies that will offer great rates on life insurance with type 1 diabetes even if you were diagnosed at a young age.

Your age when you were initially diagnosed and how long you’ve had the diabetes are important factors in determining best life insurance options for you.  

The older you were when diagnosed with diabetes the better the offers will be.

The actual rate for which you qualify will be determined based on the results of your free life insurance exam and the insurance companies’ review of your medical records.

Preferred Plus and Preferred rates are not currently available to type 1 diabetics.

How to get The best life insurance rate as A type 1 diabetic

There are some no medical exam life insurance companies that will make offers to type 1 diabetics diagnosed under the age of 20 to 30, but the best of these companies would still need to review your medical records.

All of the best insurance companies for juvenile onset type 1 diabetics will request your medical records to verify your history.

While you can’t change anything in your medical records, proper preparation for your insurance medical exam is very important.

To get the best possible results you need to be ready for your exam because the results will have a huge impact on the rate for which you’ll qualify. 

We ideally want your A1C to be less than 7.5, and your glucose levels, cholesterol levels, blood pressure, kidney functions, height/weight and all else to be optimal on the insurance exam results.

If you need to take a month or more to get in tip-top shape prior to applying for life insurance then I say go for it because it can give you massive savings.

Why type 1 diabetics pay more for life insurance

Type 1 diabetes is a disorder characterized by an absolute deficiency of insulin resulting in elevations in blood sugar.

Chronic elevations in blood sugar are linked to long term damage, dysfunction and failure of the kidneys, heart, blood vessels, nerves and eyes. 

Chronic complications of diabetes are the primary cause of premature death and for many people with diabetes, the longer they have the disease, the harder it is to maintain good control.

The major complications or issues associated with type 1 diabetes are:

  • Atherosclerosis with stroke
  • mini-stroke
  • heart attack 
  • peripheral vascular disease
  • End Stage Kidney Failure
  • Diabetic neuropathy 
  • Immune system difficulties
  • foot ulcers
  • Diabetic Ketoacidosis 
  • Diabetic retinopathy

Type 1 Diabetic Life Insurance Rates

The rates below are monthly rates based on current age and age of diabetes diagnosis for $250,000 - 20 year guaranteed level term life insurance policy for non-tobacco users. Lower rates assume we get you maximum credits for excellent diabetic control and overall good health otherwise:

Sample $250,000- 20 Year Term Type 1 Diabetic Life Insurance Rates For Men


Current Age



Diagnosed

Age 6-9


Diagnosed

Age 10-14



Diagnosed

Age 15-19



30



$42 - $48



$38 - $45 

 

$35 - $42


35



$47 - $51


$43 - $47  


$36 - $43


40



$61 - $72 


$55 - $67


$49 - $61


45



$101 - $118


$92 - $110


$84 - $101


50



$134 - $163


$120 - $148


 $106 - $134


55



$201 - $245


$180 - $224


$158 - $201


60



$283 - $363


$243 - $323

 

$243 - $283

Sample $250,000- 20 Year Term Type 1 Diabetic Life Insurance Rates For Women


Current Age



Diagnosed

Age 6-9


Diagnosed

Age 10-14



Diagnosed

Age 15-19



30



$35 - $41


$32 - $38


$29 - $35


35



$40 - $43


$37 - $40


$31 - $37


40



$49 - $59 


$45 - $54


$41 - $49


45



$73 - $87


$67 - $80


$60 - $73


50



$96 - $116


$86 - $106


$76 - $96


55



$141 - $171


$126 - $156


$111 - $141


60



$197 - $252

 

$170 - $224


$170 - $197

We’ve shown two rates in each category above as a range of the most probable cost, but better offers are always possible if you have excellent paramedical exam results and good health otherwise!

Rates at 10 or 15 year term could cost less than the 20 year rates above...Rates at 25 year, 30 year or longer duration term could cost more than rates above.  

Rates at lower amount of insurance could also cost less than rates above, and rates at $500,000 could cost about twice as much, rates at $1,000,000 could cost 4 times as much as rates above, etc.

Ignore Anyone Who Says You Can’t Qualify

We get contacted all the time by people who have been told by their agent that they won't be able to qualify for coverage due to their type 1 diabetes. 

However, this is completely inaccurate information because I can’t recall one time that a customer with type 1 diabetes has contacted us and we were not able to get the person in question an offer of life insurance.

Granted, the insurance offers may cost more than you’re willing to spend, but it is highly unlikely that you won’t be able to qualify for any life insurance...and guaranteed issue life insurance is always a last resort.  

You do need to realize that there are some life insurance companies that will automatically decline to issue life insurance to type 1 diabetics diagnosed at a young age.

Many agents also have no clue how to accurately quote type 1 diabetics and they have no process to shop these cases effectively.

But we do: 

Don’t be discouraged, even if you’re told more than once that you’re not insurable, because this is rarely the case...but very important to remember that instant quotes mean nothing!

Feel free to call us at 1-800-380-3533, click here to email us or simply click on the link below to get an accurate quote from the absolute best life insurance companies in the country for type 1 diabetics!

Life Insurance For Diabetics Type 2

According to the American Diabetes Association:

“If you have type 2 diabetes, your body does not use insulin properly and over time it can’t make enough insulin to keep your blood glucose at normal levels."

We often get asked "does type 2 diabetes affect life insurance rates"?

As long as it is controlled, if you have Type 2 diabetes it will be easier for you to get approved for life insurance than people who are Type 1 diabetics. 

This is because Type 2 diabetes holds less of a risk than Type 1 diabetes to insurance companies. 

Because Type 2 diabetes is less risky to insurance companies you are also able to receive more affordable insurance options if you are a type 2 diabetic.  

While there are currently 4 insurance companies who may offer Preferred rates to some type 2 diabetics, one of these companies will only offer to ages 60+ and the other 3 will only offer to those ages 70+.

Most Type 2's will only qualify for Regular Plus or Regular rates or with a table rating. 

Sample Diabetic Life Insurance Rates

The rates below are monthly rates for adult onset diabetics based on current age and age of diabetes diagnosis for $250,000 - 20 year guaranteed level term life insurance policy for non-tobacco users:

Sample $250,000- 20 Year Term Type 2 Diabetic Life Insurance Rates For Men


Current Age



Diagnosed

Age 20 - 29


Diagnosed

Age 30 - 39



Diagnosed

Age 40+



30



$27 - $34



$27 - $34


N/A


35



$28 - $36


$28 - $32  


N/A


40



$39 - $44


$31 - $39


$31 - $39


45



$64 - $73


$48 - $64


$48- $64


50



$91 - $106


$70 - $91

 

$62 - $91


55



$136 - $158


$116 - $136


$93 - $136


60



$243 - $283


$189 - $243

 

$162 - $189

Sample $250,000- 20 Year Term Type 2 Diabetic Life Insurance Rates For Women


Current Age



Diagnosed

Age 20 - 29


Diagnosed

Age 30 - 39



Diagnosed

Age 40+



30



$23 - $29


$23 - $29


N/A


35



$24 - $31


$24 - $27


N/A


40



$32 - $36


$26 - $32


$26 - $32


45



$46 - $53


$37 - $46


$37 - $46


50



$66 - $76


$54 - $66


$46 - $66


55



$96 - $111


$79 - $96


$66 - $96


60



$169 - $197

 

$135 - $169


$111 - $135

I’ve shown two rates in each category above as a range of the most probable cost, but better offers are always possible if you have excellent paramedical exam results and good health otherwise!

Rates at 10 or 15 year term could cost less than the 20 year rates above...Rates at 25 year, 30 year or longer duration term could cost more than rates above.  

Rates at lower amount of insurance could also cost less than rates above, and rates at $500,000 could cost about twice as much, rates at $1,000,000 could cost 4 times as much as rates above...

Diabetes Life Insurance With Complications

If you have complications with your diabetes, like blindness, neuropathy, kidney disease, or A1C levels of 10 or higher...

Then the best life insurance rates for which you could qualify can get very expensive, or you may not be eligible at all with most insurance companies.

As a last resort solution, we can offer you guaranteed acceptance life insurance for which any person with diabetes (type 1 or 2) can qualify, which is only offered at small amounts to help pay for final expenses.

We’ll narrow down the best diabetes life insurance companies for you based on your overall health and diabetes history.

We will then have you apply to the best insurance company or companies and we’ll negotiate with the underwriters and do everything we can to get you the absolute best offer possible.

Best Diabetic Life Insurance Companies In 2021

Below are the 5 best best diabetic life insurance companies in 2021.  Honorable mentions can go to Pacific Life, Lincoln National, Protective Life and Zurich Life, but the companies shown below are usually best!

Company

Best For

Age Diagnosed

Face Amount

banner life logo

If You Have Controlled Type 2 Diabetes

Case By Case

Based On Age

american general life insurance

If You Have Controlled Type 1 or Type 2 Diabetes

Case By Case

Based On Age

john hancock life insurance logo

If You Have Controlled Type 1 or Type 2 Diabetes

Case By Case

Based On Age

principal life insurance logo

If You Have Controlled Type 2 Diabetes

Case By Case

Based On Age

prudential logo

If You Have Controlled Type 1 or Type 2 Diabetes

Case By Case

Up To $20,000,000

Below are sample $250,000- 20 year guaranteed level rates from each of the companies above, besides for John Hancock as $750,000 is their minimum on term life.

I'm showing you the top 4 rate categories that each company offers specifically to diabetics.

Remember that age of diagnosis, how long you've had the diabetes, your degree of diabetic control and overall health otherwise will determine the rate for which you'll actually qualify.

Banner Life Rates for Diabetics 

$250,000- 20 Year Term

Age

Best

2nd Best

3rd Best

4th Best

Male 40

$32

$38

$44

$49

Male 50

$62

$73

$90

$105

Male 60

$162

$194

$241

$281

Male 70

$562

$654

$841

$980






Female 40

$26

$32

$36

$41

Female 50

$46

$54

$66

$76

Female 60

$113

$138

$166

$193

Female 70

$438

$498

$655

$763

Banner Life insurance company offers some of the best rates to type 2 diabetics diagnosed over the age of about 25.  They also have an extremely liberal height/weight chart which can make them very competitive for overweight diabetics. Their unusual table rating structure makes them one of the lowest cost companies on rated cases...i.e. table 2, table 3, table 4, etc.

Banner has a "lab lift" program for which they claim to offer any rate class without requiring free insurance exam, BUT only if you've had a full medical check-up with your own doctor within the past 18 months which included height/weight, blood pressure, lipids, complete metabolic profile and they need 2 years of medical records.

BUT...if you may need or want longer coverage later, Banner Life's conversion (or automatic extension) option is significantly higher in cost compared to American General, John Hancock, Principal and Prudential.

American General Rates for Diabetics 

$250,000- 20 Year Term

Age

Best

2nd Best

3rd Best

4th Best

Male 40

$32

$40

$46

$52

Male 50

$74

$93

$107

$122

Male 60

$198

$245

$285

$325

Male 70

$654

$841

$980

$1119







Female 40

$27

$32

$37

$41

Female 50

$57

$70

$80

$91

Female 60

$139

$170

$198

$225

Female 70

$498

$655

$763

$871

American General Life insurance company offers some of the most affordable rates to type 1 or 2 diabetics at any age.  Like Banner Life, they also have an unusual table rating structure makes them one of the lowest cost companies on rated cases...i.e. table 2, table 3, table 4, etc.

American General allows you to convert to ANY of their longer duration permanent products BUT only in the first 8 years on 10 yer term OR the first 10 years on any 15 year or longer term duration that they offer...so if you may need or want longer coverage later, American General may not be the best option for you.

John Hancock Rates for Diabetics 

John Hancock is NOW currently offering term life insurance at amounts as low as $250,000 and they will not offer 20 year term above age 65, but they will offer as low as $50,000 on Universal Life insurance coverage for which you can choose your level premium period.  

$250,000- 20 Year Term

Age

Best

2nd Best

3rd Best

4th Best

Male 40

$35

$48

$58

$69

Male 50

$72

$107

$132

$158

Male 60

$190

$288

$358

$429

Male 65

$330

$451

$562

$637





Female 40

$27

$38

$46

$54

Female 50

$55

$84

$103

$123

Female 60

$128

$189

$235

$281

Female 65

$217

$308

$384

$460

John Hancock Aspire Vitality for Diabetics

John Hancock Vitality is now offering a program called Aspire, specifically for type 1 and type 2 diabetics.

Aspire and the vitality program is intended to help diabetics to better manage their disease and which can help reduce their life insurance premiums by up to 25%!

The rates shown directly above DO NOT include the Vitality discount and John Hancock is most competitive for type 2 diabetics over the age of 60.  

Because John Hancock was competitive for diabetics before offering Aspire with Vitality, they'll be even a bigger player now!

This is GREAT news and this program will certainly result in other diabetic friendly companies to have to improve their rates and/or products for diabetics.  

John Hancock also offers conversion or automatic extension option to ANY of their permanent products for a limited time frame from first 4 to 10 years and then to a select (higher priced) product for the rest of the level premium term period up until a max of age 70.

Principal Life Rates for Diabetics 

$250,000- 20 Year Term

Age

Best

2nd Best

3rd Best

4th Best

Male 40

$33

$46

$53

$59

Male 50

$64

$75

$109

$127

Male 60

$127

$169

$200

$297

Male 70

$639

$788

$849

$849





Female 40

$27

$37

$42

$47

Female 50

$47

$56

$80

$93

Female 60

$89

$118

$142

$210

Female 70

$499

$603

$639

$639

Principal Life and Principal National Life insurance company are now only offering business life insurance to business owners, their families and key employees. 

Principal offers great rates to type 2 diabetics diagnosed over the age of about 30 to 40.  They also underwrite a little differently than the other diabetic friendly companies with a more robust crediting system for better offers by exception.  

Principal also allows you to convert to ANY of their longer duration permanent products on their slightly higher costing  "conversion extension" term product, for the full level premium term period up to a max of age 70.  

Prudential Rates for Diabetics 

$250,000- 20 Year Term

Age

Best

2nd Best

3rd Best

4th Best

Male 40

$69

$79

$92

$111

Male 50

$73

$94

$123

$143

Male 60

$194

$252

$333

$389

Male 70

$672

$739

$939

$1058





Female 40

$60

$68

$79

$96

Female 50

$60

$88

$114

$132

Female 60

$141

$187

$246

$287

Female 70

$529

$536

$680

$768

Prudential can offer great rates to type 1 or type 2 diabetics diagnosed at any age.  Where they tend to stand out is for type 1's with complications or for diabetics seeking life insurance with other health issues like heart disease, tobacco users, extremely overweight, etc.

Prudential can be very competitive for overweight type 2 diabetics who are age 60 or older.

Prudential allows you to convert to ANY of their longer duration permanent products for the full level premium term period up to a max of age 65, but for no less than the first 5 policy years.   

No Exam Diabetic Life Insurance

There are plenty of companies that offer life insurance without a medical exam for people with diabetes. 

These no exam companies will require you to answer health questions, but no exam is required.

Keep in mind that this probably won't be the most affordable option because along with having diabetes, you are electing not to take an exam, so you can definitely expect rates to be higher.

No-Exam Diabetic Life Insurance Companies 

Following is a list of the many life insurance companies that DO NOT require an exam or a blood test and that offer guaranteed level rates and death benefits.

We’ll shop with all of them to get you best offer if you don’t want to have a blood test or exam, just don't expect to get instant life insurance:

  • American National
  • American Continental
  • American Memorial
  • Assurity Life
  • Fidelity Life
  • Lafayette Life
  • Royal Neighbors of America
  • SBLI
  • United Home Life
  • Banner Life
  • Americo
  • American Amicable Life
  • Equitable Life
  • Foresters
  • Pacific Life (age 50- 69 only)
  • Sagicor Life
  • Transamerica
  • United of Omaha

The best no exam life insurance companies for diabetics will request medical records from your doctor prior to making you an offer.

We have had some really excellent offers for many type 1 and type 2 diabetics that purchased life insurance and didn’t want to have an exam.

No-Exam Vs Exam Required Diabetic Life Insurance Rates

Below are some best case scenario monthly "No Exam" compared to "Exam Required" rates at various ages for $250,000 of 20 year term. Also showing how much money you could save each year by having the exam.

Sample No Exam Vs Exam Required Diabetic Rates - Men


Age



No Exam


Exam Required



Annual Savings



35



$45



$28


$204


40



$47


$31


$192


45



$76


$48


$336


50



$78


$62


$192


55



$128


$93


$420


60



$219


$162


$684


65



$585


$291


 $3,528

Sample No-Exam Vs Exam Required Diabetic Rates- Women


Age



No Exam


Exam Required


Annual Savings



35



$37 


$24


$156


40



$41


$26


$180


45



$59


$37


$264


50



$78


$46


$384


55



$88


$66


$264


60



$147


$111


$432


65



$344


 $210


$1,608


Preferred Diabetic Life Insurance Age 60+

There are currently 4 out of the thousands of insurance companies available in the U.S. right now that may offer a preferred life insurance rate to you if you're age 60 or older.

To get a Preferred rate as a diabetic, you must be over age 60 or 70 at the time you apply for life insurance.

Diagnosis really needs to have been made over the previous 5 to 10 years.

A1C must be 7.0 or less, with no past or present diabetic complications and overall health must check out as good otherwise (i.e. good cholesterol levels, BP, kidney functions, good height/weight, etc.).  

Check out these best case $250,000- 10, 15, 20 year and lifetime guaranteed level monthly rates below for type 2 diabetic males and females ages 60 to 75:

Age

10 Year

15 Year

20 Year

Lifetime

Male 60

$74

$99

$155

$354

Male 65

$128

$178

$272

$477

Male 70

$217

$321

$500

$651

Male 75

$410

$706

$865

$917





Female 60

$55

$79

$113

$299

Female 65

$91

$119

$207

$401

Female 70

$128

$191

$388

$534

Female 75

$272

$476

$696

$762

My personal belief, after shopping so many cases, is that even the companies that claim to possibly offer preferred will usually find some reason to not offer preferred...and which is why we always get multiple real offers and then put the pressure on when negotiating.

7 Diabetic Life Insurance Case Studies

Case 1 - 49 Y/O Male - Table 4 Approval

Customer was diagnosed with type 1 diabetes at 18 months old, but he was in great health otherwise and had excellent control with A1C in high 5’s and low 6’s.

Many companies decline people with a health history of diabetes diagnosed prior to the age of 5 or 10. 

Customer had original table 5 as best offer on table, which was still great offer, but I was able to negotiate to get him down to table 4.

I was shocked that the insurance company agreed to offer Table 4.

The customer told me he had applied for an insurance plan every year for past several years, but never accepted a policy because he thought they were way overpriced.

However, he was impressed with the Table 4 approval and accepted it. 

Case 2 - 52 Y/O Male - Table 2 Approval

A customer in CA who was 52 and a type 1 diabetic, diagnosed at age 25 with decent health and recent A1C's in high 6’s and low 7’s. 

He had two original offers both table 3, but I was able to get one offer reduced to table 2 which he gladly accepted.  

Case 3 - 37 Y/O Female - Table 7 Approval 

Customer was diagnosed with type 1 diabetes at age 1, most recent A1C was 5.9. 

She uses 25 to 30 units of novolog insulin daily through an insulin pump and she was 5′ 4″ at 130 pounds, exercises regularly and was in great health.

She told me she was declined by New York Life one year prior and she was told by other agents that she would not be able to qualify for any life insurance.

On the day she decided to apply, she mentioned that she does have a “very slight bit of retinopathy, but it tends to fade in and out per my eye doctor.”

There was no mention of this when I previously asked her if she had any diabetic type of complications.

I had her apply to the 2 most probable companies that would possibly approve her and one declined her due to juvenile onset diabetes with history of retinopathy, and the other offered a Table 7 rating.

Case 4 - 61 Y/O Female - Standard Plus Approval 

Customer was a type 2 diabetic and diagnosed at age 50 and her recent A1C’s were in the 6’s and overall she was in decent health.

I was able to get her a Standard Plus (Regular Plus) offer on term life insurance. 

Case 5 - 26 Y/O Male - Table 10 Approval 

I Received a call from an Advisor who could not get his client insured on his own after having him apply to several different insurance companies. 

His prospect was a 26 year old male type 1 diabetic, diagnosed 3 years prior, his most recent A1C was 8.4, he already had mild neuropathy and he also had autoimmune polyglandular syndrome.

He had to have $3,000,000 of insurance for a buy-sell agreement.

Since he was young and already had neuropathy, with not such great blood sugar control and with the autoimmune polyglandular syndrome, this case was going to be a really tough one. 

We shopped his case to underwriters at every life insurance company and we were able to get him a Table 10 offer which was quickly accepted and placed in force. 

Case 6 - 37 Y/O Male - Table 6 Approval 

Customer was diagnosed with type 1 diabetes at age 9, recent A1C's were in low to mid 6's.

His height/weight and overall health was excellent and he was interested in a total of $4,000,000 of term insurance.

We had him apply to the 2 companies that would be most likely to approve him for coverage.

Being diagnosed with diabetes under the age of 10 and/or having it longer than 25 years can be a concern in life insurance underwriting.

One of the companies we had him apply to required him to have an EKG as part of his insurance exam, but the other did not.

The company that required the EKG declined him due to what they considered an abnormal EKG which they felt showed a "Brugada syndrome pattern".

The company that did not require an EKG approved him at Table 6 rate, which was an excellent offer based on his diabetes history.

Case 7 - 43 Y/O Male - Standard Approval

Male 43 diagnosed with type 2 diabetes about 18 months ago, A1C low 6's, good height/weight and overall good health otherwise.

Quoted him Table 2 term life insurance quote as this is normal best case based on his age, but had him apply for Standard rates with the two most probable best companies for him.

They both approved him at table 2 rates, but I was able to get one of the companies to reduce their offer to the lower Standard rate class.

Hopefully you can see that each case is different and that we will get you the most accurate quote and then fight to get you the best rate to protect your loved ones or your business. 

How To Get Best Life Insurance As A Diabetic

If you have diabetes, the only way to apply and get the best life insurance rate and value is through an experienced agent.

Over the past 50+ years, we have created a unique process that we follow in order to make sure that you can get the best life insurance rates for diabetic.

We will take you through the following steps:

We Shop Anonymously

All shopping on our end is done anonymously; we don’t provide any of your personal information to any life insurance company, underwriter or other entity until you formally decide to apply and sign and submit the actual application.

We can help you regardless of your particular diabetes situation and we can help you whether you want term life, universal life, whole life or other permanent life or cash value type of insurance.

If you have already applied for life insurance with any life insurance company and you are not convinced that you got the best offer or if you were declined, we'd be happy to re-shop your case

Then Narrow Down The Companies

We will narrow down the best diabetes life insurance companies for you based on your particular history. 

We have shopped thousands of diabetes life insurance cases to hundreds of different insurance companies and we know the specific insurance companies that are best for every diabetic.

We also regularly make inquiries to underwriters at all of the insurance companies we deal with to get offers on cases that may be a little tougher to quote, before submitting applications.

We Submit Dual Life Insurance Applications

We have the easiest 5 to 10 minute application process in the insurance industry.

You complete the app at best time for you and you don't even need to speak to us unless you want too.

We have our diabetic clients apply to more than one company right off the bat for two reasons: 

More Negotiating Room

It gives us negotiating room between the two companies which results in lower rates for you.

So, if Company A makes a better offer than Company B, we go back to the underwriter at Company B and try to negotiate a better underwriting decision than Company A gave.

This has worked in our clients favor so many times because we always end up with the best rate for everyone that buys life insurance through us.

Hopefully you understand why it's in your best interest to get more than one real offer and to apply to more than one company at the same time.

Better Offers

There’s a database called the MIB which all insurance companies use to see your life insurance application history over the past 7 years.

When we submit dual applications, underwriters at each of the companies won’t usually see MIB codes for the concurrent apps.

That information is not usually available until after the underwriting has been completed and an offer has been made. 

We Negotiate For The Best Offer

We’ve determined over the years that better offers get made when one insurance company isn't being swayed by the underwriting outcome of another company. 

It is no more difficult for you to submit two applications instead of one using our system and you would only need to complete one exam, at no cost to you. 

Everything we do is in your best interest and we do it because we are 100% certain that it will result in you getting the absolute best life insurance policy offer possible.

The best part about all of this is that our service is free and you will not be obligated to pay anything by applying.

Take Action

Before you apply for life insurance for diabetics anywhere, you need to contact us first or click here to get an accurate quote. 

If you decide to apply, all you need to do is complete our simple electronic application on your time (takes 5 to 10  minutes) and then we'll do the rest!

Since 1969 we have been helping type 1 and type 2 diabetics to get the best life insurance rate and value possible from the most competitive insurance companies in America.

Whether you have juvenile onset diabetes or adult onset diabetes, with great control, average control or poor control, we have a solution for you.

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