Guide
Diabetes doesn't close every door.
Having diabetes does not disqualify you from life insurance. Your rates depend on how well your diabetes is controlled, what type you have, and whether you have complications. Many diabetics qualify for standard rates.
What Insurers Look At
The factors that determine your rate.
A1C Level
Your A1C is the single most important factor. Under 7.0% is considered well-controlled. Above 8.5% makes traditional coverage difficult.
Type 1 vs Type 2
Type 2 diabetes generally receives better rates than Type 1. Type 2 diagnosed after age 40 with no complications has the most options.
Time Controlled
Insurers want to see 6-12 months of stable A1C readings. A longer track record of good control leads to better rates.
Complications
Neuropathy, retinopathy, or kidney issues increase rates. No complications is the key factor for standard rates.
A1C and Your Rate
What to expect based on your A1C.
| A1C Level | Typical Outcome |
|---|---|
| Under 6.5% | Standard or Preferred rates possible (Type 2, no complications) |
| 6.5% - 7.0% | Standard rates at most carriers |
| 7.0% - 7.5% | Standard or mild table rating (25-50% above standard) |
| 7.5% - 8.5% | Table ratings (50-100% above standard) |
| Above 8.5% | Higher table ratings or decline from traditional coverage |
Table ratings add approximately 25% to your premium per level. A Table 2 rating means paying about 50% more than standard rates. Learn more about term life insurance or no-exam options.
Type 2 Diabetes
Type 2 diabetics have more coverage options. Well-controlled Type 2 diagnosed after age 40 with no complications can qualify for Standard or even Preferred rates at some carriers.
Diet and exercise only, or oral medications like metformin, are viewed favorably. Insulin does not disqualify you but may result in higher ratings.
Type 1 Diabetes
Type 1 is viewed as higher risk due to earlier onset and lifelong insulin dependence. Most Type 1 diabetics receive table-rated offers rather than Standard rates.
Coverage is available, but expect to pay more. The key factors are still A1C control and absence of complications.
Your Options
Coverage options for diabetics.
The best option depends on your control level and whether you can pass traditional underwriting. Well-controlled diabetics should start with fully underwritten policies for the best rates.
Policy types available
- ✓ Term life: Best rates for well-controlled diabetics
- ✓ Whole life: Permanent coverage, same underwriting as term
- ✓ Simplified issue: No exam, health questions only, up to $500K
- ✓ Guaranteed issue: No questions, accepts everyone, $5K-$25K typical limits
Why Carrier Choice Matters
Different insurance companies underwrite diabetes differently. One carrier's decline can be another's Standard rate.
Drew Napolin, CLU works with multiple carriers and can run informal inquiries to find which ones are most likely to offer favorable rates for your specific situation. This avoids unnecessary declines on your record.
Find out what you qualify for.
Most well-managed diabetics qualify for standard rates. Let's find yours.