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Diabetes Life Insurance

We have affordable life insurance available for you if you have a high-risk condition such as diabetes.

How Does Diabetes Affect Life Insurance?

Diabetes will have an impact on your life insurance.

The effect will depend on the type of diabetes, how well you control it, and the insurance company.

As you scan this article, you will discover that numerous life insurance companies will insure people with endocrine disorders like diabetes.

Diabetes Underwriting

Successful diabetes life insurance underwriting depends on your history, including:

  • Type of diabetes
  • Your age when diagnosed & duration of diabetes
  • Diabetic control history
  • Compliance with medical advice
  • Medications and dosages
  • Other health issues (comorbidities)

Type of Diabetes

The type of diabetes you have is a significant factor with life insurance underwriting.

Life insurance for type 1 diabetes tends to be more expensive than for type 2 diabetes.

The reason is due to the progressive nature of diabetes, and the more significant risk type 1 diabetes represents to the insurance company.

The impact of gestational diabetes depends on your recovery after pregnancy.

Age When Diagnosed & Duration of Diabetes

Your age at the time of diagnosis plus the amount of time that has passed since being diagnosed, weigh heavily on life insurance underwriting.

If all other factors are equal, type 1 diabetes rates will be approximately 25 – 50% more expensive than type 2 diabetes life insurance rates.

Diabetic Control History

Better control means better life insurance rates.  

A new program called Aspire rewards well-controlled type 2 diabetes.

Life insurance underwriters look at:

A1c

Your A1c, (aka HbA1c) indicates diabetes control over the previous three months.

It is the single most crucial lab result that underwriters review.

While each company has its guidelines, the following rules apply to A1c.

  • Less Than 7.0 = Optimal Control
  • 7.1 – 8.5 = Average Control
  • 8.6 – 10.0 = Poor Control
  • Greater Than ten = No Control

When your HbA1c is 10 or more, underwriters consider your diabetes out of control.

In most cases, life insurance options will be limited to guaranteed issue life insurance.

Estimated Average Glucose – eAG

The American Diabetes Association has been promoting the estimated Average Glucose – eAG reading.

It provides a similar understanding of long-term control as the HbA1c reading but is less confusing.

The eAG numbers closely resemble blood glucose readings.

Estimated Average Glucose (eAG) is a newer term used by medical professionals to indicate your level of diabetes control.

Easier to understand than HbA1c readings, the American Diabetes Association is pushing medical professionals to use eAG readings.

Fasting Blood Glucose

Fasting blood glucose gives a snapshot of current diabetes control.  

Levels greater than 125 mg/dl indicate diabetes.  

Fasting blood glucose between 110 – 125 mg/dl is considered to be impaired fasting glucose.

Fructosamine

Fructosamine provides underwriters with an indication of blood sugar control over three weeks.  

Less than 1.9 mg/dl is considered good, and less than 1.7 mg/dl is considered excellent.

Fructosamine testing is not as widely used as HbgA1c testing by life insurance companies.

Urine Microalbumin/Creatinine Ratio

The Urine Microalbumin/Creatinine ratio, aka ACR test, may indicate kidney-related problems.  

Life insurance underwriters are looking for a Urine Microalbumin/Creatinine ratio of 0 – 0.010 mg/mg. 

This number should be a zero on lab testing.

Compliance with Medical Advice

Following your doctor’s orders is critical for underwriting success.

Underwriters hate to see medical files where the insured does not take their doctor’s orders seriously.

You will pay much more for life insurance if your records indicate poor control and lack of follow-up with your endocrinologist.

Underwriters want to know:

  • Are you taking your medications as prescribed to you?
  • Do you visit your doctor on a regular basis for follow-ups?

Medications and Dosages

Life insurers want to know what medications and dosages you are taking.

Is your diabetes controlled with these medications?

Have you had to increase the dosage of drugs to maintain control?

Do you take medications for elevated blood pressure or high cholesterol?

If your management has improved over time and you’ve been able to reduce or eliminate medications, let us know, as that may help with underwriting.

Other Health Issues – Comorbidities

Underwriters look at other conditions to determine if the diseases are caused by diabetes or if they create additional underwriting concerns.

Heart health issues are a primary underwriting concern.

When heart issues and diabetes are present, life insurance underwriting becomes more complicated.

It typically leads to more expensive life insurance rates.

Kidney health problems are of great concern to underwriters.

Suppose you have a history of lab results with protein in the urine. In that case, underwriters will be looking more closely for potential kidney health issues.

Retinopathy & Neuropathy – Severe problems either will increase life insurance rates or cause a decline.

Insulin Shock/Diabetic Coma – If you have experienced insulin shock or a diabetic coma, the availability of life insurance depends on when it happened.

What caused the insulin shock/diabetic coma, and how much time has passed since this occurred?

Diabetes Underwriting Questions

Life insurance underwriters will want to know the following about your medical history:

  • Do you have type 1, type 2, or gestational diabetes?
  • How old were you when diagnosed?
  • What kind of treatment do you receive to control diabetes?
  • What is your history of control?  HbA1c, Fasting Blood Glucose, Protein, Microalbumin/Creatinine.
  • What are your average blood pressure and cholesterol readings?
  • Do you follow your doctor’s orders?
  • Do you visit your doctor regularly?
  • Have you had any diabetes-related complications?
  • Do you have any other health problems?
  • What are your diet and exercise habits?
Life Insurance for Diabetics Articles

One Minute Underwriting Video – New Video

29 Million Reasons to Learn about Diabetes Life Underwriting – the number one news source for insurance agents asked me to write about diabetes.

Diabetes FAQs

Some of the most common questions we receive are listed below for your review.

Can people with diabetes get life insurance?

Yes!  You can get life insurance with diabetes if you choose the right life insurance company.

Affordable life insurance for diabetics is available whether you have type 1, 2, gestational, or pre-diabetes.

I was just diagnosed with diabetes. Am I able to buy life insurance today?

Yes and No.  The most competitive companies will make you wait for 3-6 months after diagnosis to evaluate your control.

Sometimes, the only type of life insurance available will be a guaranteed issue policy now.  

Rates may improve even more once you have demonstrated diabetic control for 12-24 months.

I was declined due to my A1c test. What do I do now?

The first thing to do is to request a copy of the lab results from the life insurance company.  

Once available, you will need to visit your physician for a complete evaluation.

If it turns out that you have diabetes, it will take some time for your doctor to gain control and begin medications.

We usually recommend starting working with you about three months after diagnosis.

If one company offers me a rated policy, will all companies provide the same rate class?

No!  

Each life insurance company has its own set of guidelines, and some companies do a better job underwriting than other companies.

Let us know what company you applied to, and we’ll let you know if other more favorable options exist for you.

How Often Can I Re-Shop for a better life insurance deal?

You may shop for life insurance coverage as often as you like. 

Many of our clients come to us after working with another agent.

You may feel that the existing life insurance you have may not be the best price available; you may be right.

There is no obligation or pressure with our life insurance service.  

We’ll tell you during our conversation if we think it’s possible to do better than what you currently have.

What else can I do to improve my chances?

Improving your health, taking medications, and following doctor’s orders are the best things that you can do.  

If you are not currently exercising, begin a routine under your doctor’s supervision.

Weight loss and improved fitness will help with underwriting.

If you smoke, quit. 

Smoking and diabetes are massive concerns.

Both contribute to the hardening of your arteries, increasing the risk of heart attacks and strokes.

Guaranteed Issue Life Insurance

Sometimes traditional life insurance is not available due to health problems or maybe due to the policy need being small.  

In those cases, a guaranteed whole life insurance policy for diabetics may be the best option.

Compare the opportunities we offer to companies like Colonial Penn or AARP life insurance policies.  

It often makes sense to first shop for a traditional life insurance policy first.

We can then switch to guaranteed issue life insurance policies if no other options exist.

No Medical Exam Life Insurance Options for Diabetics

No medical exam life insurance products are available.

It may be worth considering if you do not want to give a blood and urine sample.

Keep in mind that no exam life insurance policies still involve underwriting.

To qualify for life insurance with no exam, you’ll need medical records showing a history of compliance and control.

Top 5 Life Insurance Tips for Diabetics

Our top 5 life insurance tips for people with diabetes will help you save money on your life insurance. 

Some companies specialize in diabetes life insurance underwriting.

They will offer you better rates than companies that do not understand diabetes.

Diabetic Underwriting Tip # 1 – Control

The single most important factor from an underwriting point of view is your diabetic control. 

The better your control, the more favorable the underwriting outcome.

Underwriters look at your HbA1c history, estimated average glucose, and other lab results.

 Diabetic Underwriting Tip # 2 – Compliance

Following your endocrinologist’s orders is critical.  Do you visit your physician for regularly scheduled checkups? 

Do you take your medication as prescribed?

Have you made improvements to your diet and exercise programs since being diagnosed?

Diabetic Underwriting Tip # 3 – Complete Medical History

We need to know about your entire diabetic history. 

Remember that we work for you and want to help you find the best rate based on your diabetic history.

We need to know about your history of diabetic control, any complications you may have had, and improvements to your health.

If you have other medical issues now or in the past, let us know so we may help you.

Diabetic Underwriting Tip # 4 – Common Sense

In the world of life insurance underwriting, consumers who understand the severe nature of their diabetes make better candidates for life insurance companies.

Your underwriting outcome will improve when your records show you understand your condition and take positive steps to control your diabetes.

Diabetic Underwriting Tip # 5 – Underwriting Expertise

Work with an expert who understands life insurance underwriting for people with diabetes. 

Each company has its own set of underwriting guidelines. 

Some companies are better with type 2 diabetes, while others are better with type 1 diabetes.

The life insurance agent helping you should know what questions to ask you about your diabetic history.

Whether it’s non-medical life insurance for people with diabetes or fully underwritten life insurance for diabetics, we’ll show you the best life insurance options available.

Please take a few minutes to complete your quote request today. 

Thank you.

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Meet the Author - Michael Horbal

That’s me to the left. I’m the founder and owner of RiskQuoter. I hate the fact that many people pay too much for life insurance because they end up with the wrong life insurance company, agent or both.

That’s why I started RiskQuoter.

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There’s never any pressure or obligation with my life insurance service. Get the information you need to make an informed decision for yourself.

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