Type 1, Type 2, insulin-dependent — even after a prior decline, coverage options exist. We match your numbers to the carriers most likely to approve you at the best rate.
Yes — most people with diabetes can get life insurance. Your rate depends mainly on your A1C, whether it's Type 1 or Type 2, your age at diagnosis, your medications, and whether you have any related complications. Well-managed diabetes can qualify for surprisingly competitive rates with the right carrier.
When a carrier reviews a diabetic applicant, these are the factors that move the needle most:
Here's a general guide to how carriers tend to classify diabetic applicants. Your actual offer depends on full underwriting.
| Your profile | Likely underwriting class | What it means |
|---|---|---|
| Type 2, well-controlled, A1C under 7, no complications | Standard to Standard Plus | Fully underwritten term or permanent coverage at competitive rates |
| Type 2 on insulin, A1C 7–8, managed | Table rating (mild) | Approved with a moderate rate increase; still affordable |
| Type 1, well-controlled | Table rating | Insurable with diabetes-friendly carriers who specialize in Type 1 |
| Higher A1C or complications present | Higher table / graded or guaranteed issue | Options still exist, including no-exam coverage that can't decline you |
Illustrative examples only — not a quote or an offer of coverage. Actual classes and rates are determined by each carrier's full underwriting.
The most affordable way to cover income replacement or a mortgage. Well-controlled diabetics frequently qualify.
Permanent coverage with cash value — useful when you want lifelong protection regardless of future health changes.
If your diabetes is advanced or you've been declined, no-exam coverage that can't turn you down ensures your family still has protection in place.
A decline from one carrier doesn't mean you're uninsurable — it usually means that company's diabetes guidelines were stricter than others. We routinely place applicants who were turned down elsewhere. Let's review your case →
A 49-year-old in Fresno with an A1C of 6.9 had been declined by a captive agent. We took his case to a diabetes-friendly carrier and secured a Standard 20-year term policy. Individual result; your outcome depends on full underwriting.
For fully underwritten policies, often yes — a simple exam or lab review. If you'd rather not, we can point you to no-exam options, though the best rates usually come with a quick exam.
Yes. Insulin use is a rate factor with many carriers, not an automatic decline. Type 1 and insulin-dependent Type 2 applicants are regularly approved with carriers that specialize in diabetes.
It can raise the rate, but the size of the increase varies widely by carrier — which is exactly why the right match matters. Well-controlled diabetes often qualifies for standard rates.
There isn't one universal "best" — it depends on your type, A1C, medications, and complications. We compare how multiple A+ rated, diabetes-friendly carriers would view your profile and recommend the strongest fit.
Tell us your type and A1C and we'll match you to the carriers most likely to approve you — no exam required for many options.
