One way to try to reduce your life insurance premiums would be to consider Term life insurance, because it is usually lower in cost than whole life insurance.
Also, choosing to pay premiums on an annual basis instead of monthly may save you some money.
Definitely try to purchase life insurance before your next birthday, so the rates are lower.
Also, compare rates and plans from several insurers online in order to find those with the lowest rates and highest financial strength rating from AM Best Company.
You can visit
Diabetes Term Life Insurance to learn more about your options and compare plans.