Life insurance diabetes

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Life insurance for individuals with diabetes can be a complex and challenging process. Diabetes is a chronic condition that affects the body’s ability to regulate blood sugar levels, and it can have significant implications for life insurance coverage. In this article, we will explore the various factors that come into play when applying for life insurance with diabetes, including the impact of the condition on premiums and the options available for individuals seeking coverage.

Impact of Diabetes on Life Insurance

Medical Underwriting: When applying for life insurance with diabetes, insurers typically conduct a process called medical underwriting. This involves assessing an individual’s health risks and determining the appropriate premium rates. For individuals with diabetes, insurers will consider factors such as the type of diabetes (Type 1 or Type 2), the age of diagnosis, current treatment methods, and overall health management.

Premium Rates: The premium rates for life insurance policies can be higher for individuals with diabetes compared to those without the condition. This is because diabetes is considered a chronic health condition that may increase the risk of complications and mortality. Insurers take into account factors such as the individual’s age, overall health, and diabetes management when calculating premiums. It is important to note that each insurance company may have different underwriting guidelines, so it is advisable to shop around and compare quotes from multiple insurers.

Control of Diabetes: Insurers will also consider how well an individual is managing their diabetes when assessing their eligibility for life insurance. Factors such as regular check-ups, medication adherence, and maintaining a healthy lifestyle can positively impact the underwriting process. Individuals who demonstrate good control of their diabetes may be eligible for better premium rates.

Options for Life Insurance with Diabetes

Traditional Life Insurance: Individuals with diabetes can still obtain traditional life insurance policies, although the premiums may be higher compared to those without the condition. It is important to disclose all relevant information about your diabetes during the application process to ensure accurate underwriting.

Guaranteed Issue Life Insurance: For individuals who may have difficulty obtaining traditional life insurance due to their diabetes, guaranteed issue life insurance can be an alternative option. These policies do not require medical underwriting and are typically available to individuals between certain age limits. However, guaranteed issue policies often have lower coverage amounts and higher premiums.

Accidental Death and Dismemberment Insurance: Another option for individuals with diabetes is accidental death and dismemberment (AD&D) insurance. AD&D policies provide coverage in the event of accidental death or severe injury resulting in dismemberment. These policies may be easier to obtain for individuals with diabetes, but they do not provide the same comprehensive coverage as traditional life insurance policies.


Obtaining life insurance with diabetes can be a more complex process compared to individuals without the condition. Insurers consider various factors such as the type of diabetes, overall health, and diabetes management when underwriting policies. Premium rates may be higher for individuals with diabetes, but options such as traditional life insurance, guaranteed issue life insurance, and accidental death and dismemberment insurance are available. It is important to disclose all relevant information and shop around for the best coverage and premium rates.


1. American Diabetes Association:
2. Centers for Disease Control and Prevention:
3. Mayo Clinic: