Term Life Insurance for Diabetics

Term life insurance for diabetics can be found from a good, reputable life insurance company, but the policy and premiums will depend on several factors. Life insurance companies want to know the applicant's age at diagnosis, the specific type of diabetes, glucose levels and other control factors, and any complications that occur. It’s important to compare quotes for term life insurance for diabetics from several companies to get the best rate possible. Start now with our free tool below.

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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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Approximately 8.3% of the U.S. population has some form of diabetes, making the disease one of the most prevalent health concerns in the country. The good news is that people with diabetes can get term life insurance from a good, reputable life insurance company. The approval, rating class, and premium cost will depend on several factors.

What Factors Life Insurance Companies Consider

Life insurance companies want to see applicants that have their diabetes under control and have a history of regular visits to their doctor. Other factors the company will consider are:

  • Your age at diagnosis
  • The specific type of diabetes (Type 1, Type 2, Gestational, etc.)
  • How long you’ve had diabetes
  • Control factors such as glucose levels, A1C levels, etc.
  • Any complications that exist
  • Any other medical condition you may have

Applying for Term Life Insurance with Diabetes

Our new article, How to Get Term Life Insurance When You Have Diabetes, provides in more detail how life insurance companies evaluate applicants with diabetes. Also, you’ll find incredibly valuable information about:

  • The main types of diabetes
  • Current diabetes statistics
  • How to prepare for your term life insurance application
  • Lessons we’ve learned from helping other diabetics apply for term life insurance
  • Examples from real customers showing the outcomes of their applications

If you are diabetic, we’d like to hear about your experience applying for term life insurance. If you are just now beginning the process, we recommend you discuss your unique situation with your life insurance agent. Let him or her help you find the best term life insurance company for you!

Sources:  American Diabetes Association, Wikipedia

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