How to Get Term Life Insurance With Diabetes

How to get term life insurance with diabetes starts by finding a good provider with low rates. Term life insurance coverage for a diabetic can be found with rates as low as $11/mo if you are carefully managing your symptoms. Get a free customized rate right now using our free rate tool below and get a head start that can save you money on your life insurance coverage and secure your family for the future.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • It’s possible to get term life insurance for people with diabetes, although it may be more costly
  • Proper maintenance of diabetes can help you get approved for an affordable life insurance policy
  • Some companies offer better rates than others on life insurance coverage for diabetics

Thousands of people will apply for term life insurance quotes with diabetes this year. And for those people, the outcomes of their applications will vary widely.

Term insurance for people with diabetes can be costly but there are ways to improve your chances of being approved for the best rating class with the lowest premium possible.

How? You first need to understand how life insurance companies handle term life insurance with diabetes. What do they look for? How can you prepare? What is the likely outcome?

In order to truly understand your life insurance options whether you are shopping for term life insurance for diabetics or whether you are just shopping for insurance that will secure your family’s future, get affordable term life insurance rates with diabetes by comparing quotes from our free rate generator.  Get connected with a top affordable life insurance company and low term life insurance rates with diabetes right now.

The Impact of Diabetes on Your Term Life Insurance Policy

When you apply for a term life insurance policy, you will have to take a medical exam. During this exam, you will be asked questions about your family history, medical history, lifestyle, and smoking and alcohol usage. The person administering the exam will measure your height, weight, pulse, blood sugar levels, and blood pressure.

Before you worry about rate classes and qualifying for various rates,  take a look at the table below to get a sense of how much you might pay for quality term life insurance.

Average Monthly Life Insurance Rates by Age
AgeAverage Monthly Rates for a Male, $100,000 PolicyAverage Monthly Rates for a Female, $100,000 PolicyAverage Monthly Rates for a Male, $250,000 PolicyAverage Monthly Rates for a Female, $250,000 PolicyAverage Monthly Rates for a Male, $500,000 PolicyAverage Monthly Rates for a Female, $500,000 Policy
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It’s important to note how much cheaper insurance rates are at younger ages.  If you have a family history of people with diabetes, securing a rate earlier can make it easier to qualify and help you lock in low rates.

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What do life insurance companies look for?

Life insurance companies are concerned that people with diabetes are taking the proper precautions to keep it under control. A medical history of regular physician checkups is important to the company.

The life insurance company you apply with will be looking specifically at:

  • When you were diagnosed
  • What your type of diabetes is
  • Age at diagnosis
  • Course of disease
  • Response to treatment
  • What steps you have taken since your diagnosis
  • The degree of control as illustrated by medical records, height/weight, and, lab test results
  • What type of treatment
  • Any other medical conditions present
  • Whether you are a tobacco user

The table below provides some loose guidance on which rate class you might qualify for with particular medical conditions.

Life Insurance Rating Classes for Specific Medical Conditions
Medical ConditionsPreferred PlusPreferredStandard PlusStandard
Crohn's DiseaseNoNoPossibleYes
Heart DiseaseNoNoNoYes
Hepatitis A & BNoPossibleYesYes
Hepatitis CNoNoNoYes
Kidney/Liver DiseaseNoNoNoYes
Lung DiseaseNoNoYesYes
Multiple SclerosisNoNoNoPossible
Rheumatoid ArthritisNoNoNoNo
Sleep ApneaNoNoPossibleYes
Type I DiabetesNoNoNoNo
Type II DiabetesNoNoPossibleYes
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Of course, each application goes through a complete underwriting process and outcomes can vary from individual to individual.

How to Prepare for Your Term Life Insurance Application When You Have Diabetes

No matter the type of diabetes you have, there are important measures you can take to prepare yourself before applying for term life insurance. Doing so will help your chances of getting approved for the best rating class possible. Use the following tips to put yourself in the best position to win:

  • Have all doctors’ name/address/phone available.
  • Make sure your doctor(s) has copies of all records regarding the cancer treatment, pathology reports, and follow-up reports.
  • Have a list of all medications and their dosages available.
  • Do not skip any follow-up visits with your doctor.

Life insurance for diabetics in the U.S. might be more difficult to come by depending on the severity of the disease, but it is definitely possible to if you work hard to manage your symptoms with diet, exercise, and close management with your doctor.

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Is diabetes covered under insurance?

If you have been diagnosed with diabetes you probably have a few specific questions. The most urgent is, which health insurance is best for your type of diabetes? Diabetes care can be expensive, but the good news is that most states mandate that diabetes care supplies be covered by insurance.

After that, you might want to figure out who are the best life insurance companies for type 2 diabetes. Since diabetes is so prevalent in the U.S., most companies will compete for customers with diabetes, but you will need to do your homework.

We’ve helped thousands of people apply for term life insurance, and many of those people had diabetes. Here are a few things we’ve learned:

  • Premiums are lower for those who diet and exercise or keep their diabetes under control with medication.
  • It’s also important to consider which of the health insurance for diabetics is best. You want to ensure that you have preventative care options that can prevent diabetes or at least manage milder symptoms with diet and exercise.
  • Premiums are higher for those who do not follow up with a doctor regularly.
  • We recommend getting a policy in force first at a premium rate you can afford. You can then focus on improving the rating class through better control or lab results.

Finally, know what type of plan you need for your lifestyle. If you are looking to just secure a low-cost plan, you can stick to finding term life insurance quotes and providers and use our free quote tool to get started.

If you are looking to build cash value and are willing to pay more for whole life insurance in order to build value for your family in the plan, you can look at whole life insurance for diabetics.

In fact, you may have a child with type juvenile diabetes and may want to investigate and options that provide whole life insurance for type 1 diabetes.

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Term Insurance for a Diabetic Person: Real Examples From Real Customers

Good Outcome

Don applied for Prudential Life insurance term life plan when he was 56 years old.

  • Diagnosed at age 50
  • A1C level 6
  • Condition kept stable through diet
  • Positive results from follow-up appointments with doctor
  • No other medical conditions
  • Outcome: Approved at a Standard rating class
  • Premium: $509.00 annually

Not So Good Outcome

Sara applied for term life insurance when she was 45 years old.

  • Diagnosed at age 42
  • A1C level 7
  • Condition kept stable with medication
  • Positive results from follow-up appointments with doctor
  • No other medical conditions
  • Outcome: Approved at a Table 4 rating class
  • Premium:$1,303.00 annually

Poor Outcome

Jerry applied for term life insurance when he was 38 years old.

  • Diagnosed at age 34
  • A1C level 10
  • No treatment as Jerry did not believe he had diabetes
  • Has not seen her doctor in over two years
  • No other medical conditions
  • Outcome: Denied life insurance because of diabetes

You can see Don had the best outcome, due to a low A1c level that was caught early and treated. Being over age forty and having regular follow-up appointments with his doctor also helped. 

Sara’s diabetes is more severe and, although she had no other medical conditions and good follow up appointments, her disease being slightly less under control gave her a slightly worse prognosis.

Finally, Jerry was the youngest of the group when he was diagnosed. However, his lack of routine follow-ups resulted in his application being declined.

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What is Diabetes?

Diabetes mellitus is the clinical term for diabetes. It is a group of metabolic diseases that occurs when the pancreas does not produce sufficient insulin or the cells of the body to not respond properly to the insulin produced. This results in high blood sugar in the affected individual.

There are three main types of diabetes:

Type 1 – Insulin-Dependent Diabetes Mellitus (IDDM) or Juvenile-Onset Diabetes

  • The pancreas is not capable of producing insulin.
  • The body’s immune system destroys the pancreas’ beta cells, which are needed to make insulin.
  • Insulin must be injected into the body by a pump or manual injection.

Type 2 – Non-Insulin-Dependent Diabetes Mellitus (NIDDM) or Adult-Onset Diabetes

  • This is caused by a resistance to insulin in which the body’s cells fail to use insulin properly.
  • As a result, the pancreas gradually loses its ability to make insulin.
  • This is the most common form of diabetes. 90-95 % of all adult diabetes cases are type 2.

Gestational – Glucose intolerance during pregnancy

  • This is usually temporary and resolves after the pregnancy ends.
  • The high glucose levels during pregnancy may cause the actual development of permanent type 2 diabetes.

Diabetes Statistics

As of 2012, the following numbers show the significance of diabetes:

  • An estimated 29.1 million Americans have been diagnosed with diabetes.
  • 1.4 million Americans are diagnosed with diabetes every year.
  • Another 57 million have prediabetes, which means they are at risk of developing the condition.
  • It is estimated that 65 percent of those with diabetes will die of a heart attack or stroke.

In fact, diabetes is so pervasive, the American Diabetes Association has set up a community to help people raise awareness on how to prevent or fight diabetes. The American Diabetes Association provides fundraising tools to help support people with the disease.

American Diabetes Association life insurance donations are a great way for people to help. For people who aren’t ready to make a charitable donation now, naming the American Diabetes Association as a beneficiary to a charitable trust or insurance policy can be a great way to help the cause after you’re gone.

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The Bottom Line: How can I get life insurance with diabetes?

The good news about applying for term life insurance when you have diabetes is — yes, you can qualify for coverage. The bad news is the approval, and rating class can be very unpredictable and subjective.

However, if you follow the advice we’ve provided and, more importantly, compare companies to find the best term life insurance company for diabetics, you can have a positive outcome.

But remember, waiting to secure good life insurance can cost you whether you are trying to buy term life insurance with diabetes or not. Get a free customized rate right now using our free rate tool and get a head start that can save you money and secure your family for the future.


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