Are you diabetic and looking for life insurance? Find out why getting coverage may be more affordable than you think.


Living in today’s Covid 19 environment, diabetic life insurance can still be obtained. People with diabetes have never had so many life insurance options to choose from. Some life insurance providers still have Covid 19 restrictions, many companies do not. Unfortunately, you can routinely see other websites advertise companies that do not currently offer life insurance to a person with diabetes. As the life insurance industry continues to evolve, you will get the premier source of information on all things immigrant, diabetes, and life insurance.

Many people with diabetes find obtaining a life insurance policy challenging and, in some cases, impossible. This myth is one of the reasons so many people with diabetes choose not to apply for life insurance coverage. Simply put, this is not true. Almost everyone living with diabetes can qualify for some type of life insurance coverage.

Diabetes life insurance can be confusing and frustrating if you work with the wrong agency or agent. Many websites or agents can provide you with false or misleading quotes. You will not have that experience when you work with us. You will only receive honest and accurate information from us at all times.

Not all life insurance companies view diabetics the same way. Securing the finest diabetes life insurance rates use to come down to selecting the right agency or agent to work with. There are experts who will “negotiate” your health profile to subscribers, and assist you search the best diabetes life insurance company relied on your whole health profile.

If you have type 2 diabetes, generally a rating from Standard to Standard Plus will be the BEST rating possible. In some situations, you can get a preferred rating. If you are a person with type 1 diabetes, you would very rarely qualify for a standard rating. Ninety percent of the time your coverage offer will be below standard. Which means that you will have additional fees linked to your policy.

How to Get Life Insurance with Diabetes

The first step in obtaining a diabetes life insurance policy is completing a request for a quote. Or call at the contact number. To receive true and accurate information, an agent will need to know more about your diabetes and your general health history.

Life insurance for diabetes – what insurers need to know?

While life insurance for people with diabetes may be a bit more difficult to obtain, it is not impossible to get approved. You will want to be prepared to share the details of your general health history with your life insurance agent.

Type 2 diabetes is also more sensitive to diet and exercise than type 1 diabetes. In addition, this type of diabetes is also more sensitive to oral medication and insulin. Therefore, there are a number of questions that life insurance insurers will ask you regarding your treatment.

Life insurance underwriters will want to know about your general health and diabetes history. This information will let them know if you are eligible for coverage and, if eligible, what rating they would offer you. All life insurance companies will see a person with diabetes with a different health profile. A life insurance company may rate you higher due to your diabetes condition, where someone else would accept you without any additional rating. To determine which companies will be the most competitive, you will need to work with an independent life insurance agent to help you navigate the market for diabetic life insurance.

Comments are closed.