Can You Get Life Insurance For Diabetes?

A close-up of a blood glucose meter for diabetes.

Life insurance stands as a vital financial instrument, offering both tranquility and financial stability to your family in the unfortunate event of your demise. However, for individuals with pre-existing conditions such as diabetes, the process of obtaining life insurance may seem like a daunting task. 

In this comprehensive guide, we will explore the ins and outs of securing life insurance with diabetes, covering eligibility criteria, available options, and the steps you can take to ensure you find the right coverage.

Diabetes and Life Insurance Eligibility

For individuals grappling with diabetes, a pressing question often revolves around their eligibility for life insurance. Traditionally deemed a high-risk condition due to potential long-term complications, diabetes has undergone a perceptible shift in the insurance landscape. Many insurance companies now acknowledge the imperative to cater to individuals with diabetes.

A hand is writing the word 'diabetes' on a whiteboard.

When assessing eligibility for life insurance with diabetes, insurers scrutinize various factors, encompassing the type of diabetes, control of blood sugar, and the presence of complications:

  • Type of Diabetes: The eligibility of individuals is influenced by whether they have Type 1 or Type 2 diabetes. Type 1, an autoimmune condition typically emerging in childhood, and Type 2, often linked to lifestyle factors and developing later in life, both play a role in shaping insurance considerations.
  • Control of Blood Sugar: Insurers gauge eligibility based on how effectively individuals manage their diabetes. Those adept at controlling blood sugar levels through a combination of medication, lifestyle adjustments, and regular monitoring are often perceived more favorably in the eyes of insurance providers.
  • Complications: The existence of diabetes-related complications, such as cardiovascular issues or kidney disease, assumes significance in determining eligibility and influencing the cost of insurance premiums.

As the insurance industry evolves, there is a noticeable shift toward accommodating the diverse needs of individuals managing diabetes. This change underscores the importance of proactive diabetes management, emphasizing the significance of controlling blood sugar levels and addressing potential complications. Consequently, individuals with diabetes can enhance their eligibility for life insurance by staying vigilant about their health and engaging in comprehensive communication with insurers. This evolving landscape not only reflects a more inclusive approach to insurance but also empowers those

Universal Life Insurance VS. Permanent Life insurance

Life insurance for individuals with diabetes extends beyond traditional policies to include options like permanent life insurance, which encompasses universal life insurance. These policies provide coverage for the entirety of one’s life and offer a savings component alongside the death benefit.

Permanent life insurance, such as universal life insurance, is an attractive option for those with diabetes seeking long-term coverage. It differs from term life insurance, which offers coverage for a specified period, as permanent policies remain in force as long as premiums are paid, offering stability and lifelong protection.

For individuals with diabetes, universal life insurance can be advantageous due to its flexibility. This policy allows policyholders to adjust their premium payments and death benefits within certain limits, which can be particularly beneficial when dealing with a condition like diabetes that might involve varying healthcare needs over time.

Moreover, the cash value accumulation feature in universal life insurance can be advantageous for individuals with diabetes. This feature enables policyholders to accumulate savings over time on a tax-deferred basis, providing an additional financial cushion. These accumulated funds could be utilized for various purposes, including covering medical expenses or supplementing income during retirement.

When considering permanent life insurance, especially universal life insurance, individuals with diabetes should consult with an independent insurance agent or financial advisor who specializes in catering to their specific needs. These professionals can provide insights into the available options, assist in navigating the complexities of such policies, and help individuals make informed decisions that align with their long-term financial and healthcare goals.

Getting Life Insurance with a Pre-existing Condition

Obtaining life insurance while managing diabetes might require extra effort, but it remains an attainable objective. To enhance your chances of obtaining coverage, consider the following crucial steps:

  • Understand Your Diabetes: Provide comprehensive details about your diabetes, encompassing its type, date of diagnosis, and your current treatment plan. Transparency is key, as it enables insurers to make a thorough assessment of your situation.
  • Prioritize Blood Sugar Control: Effective management of blood sugar is pivotal to demonstrating your insurability. Consistently visiting your healthcare provider and following their advice on medication, diet, and exercise demonstrate your dedication to sustaining excellent health.
  • Gather Medical Records: Insurance companies often require medical records to evaluate your health status. Make certain that you maintain comprehensive records detailing your management of diabetes, encompassing pertinent test outcomes. This documentation serves as tangible evidence of your proactive approach to health and can positively influence insurers’ perceptions.
  • Work with an Independent Agent: Collaborating with an independent insurance agent can significantly simplify the process. These agents possess access to a range of insurance providers and can assist you in finding options tailored to your specific needs and health condition. 

By diligently following these steps, individuals with diabetes can navigate the intricacies of obtaining life insurance more effectively. This proactive approach not only strengthens your case with insurers but also underscores your commitment to managing your health responsibly. Remember, with the right information and guidance, the path to securing life insurance for diabetes becomes more manageable and accessible.

Diabetic Life Insurance Options

  • Various choices exist for individuals with diabetes who are in search of life insurance.
  • Guaranteed Issue Life Insurance: This type of policy is designed for individuals who may have difficulty obtaining traditional life insurance due to pre-existing conditions. Guaranteed-issue policies generally do not require a medical exam, but premiums may be higher.
  • Term Life Insurance offers coverage for a defined period, which could span 10, 20, or 30 years. Term life insurance may be a viable option if you are in relatively good health and can secure coverage at a reasonable premium.
  • Whole Life Insurance: Whole life insurance provides coverage for your entire life and includes a cash value component that can grow over time. While premiums may be higher than term life insurance, this option offers a lifelong solution.
  • Critical Illness Insurance: This type of insurance provides a lump sum payment in the event of a critical illness, including diabetes-related complications. While it may not replace traditional life insurance, it can offer additional financial protection.


Securing life insurance with diabetes requires careful consideration, proactive management of your health, and collaboration with knowledgeable insurance professionals. As awareness grows about the diverse needs of individuals with diabetes, more insurance options become available. 

By understanding your condition, maintaining good blood sugar control, and exploring various insurance options, you can find a policy that provides the protection and peace of mind you and your loved ones deserve. 

Remember, the key is to be proactive and persistent in your pursuit of life insurance coverage, as the right policy may be just around the corner.

Take the first step towards securing your future. Explore life insurance options tailored for individuals with diabetes. Connect with our experts to find the right coverage for you.