Yes, both Type 1 and Type 2 diabetics can get life insurance. Type 2 diabetics with well-controlled A1C levels (under 7.5) often qualify for standard rates. Final expense policies accept most diabetics regardless of control level.
Diabetes is one of the most common health conditions we help clients navigate. Here is what to expect:
We work with carriers who specialize in diabetic applicants. Get a free quote to see your options.
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Yes, many carriers offer no-exam life insurance including simplified issue (health questions only) and guaranteed issue (no health questions). Coverage up to $500,000 is available without an exam from top-rated carriers. Read more
Guaranteed issue life insurance is a policy that accepts everyone regardless of health. There are no medical exams and no health questions. The trade-off is a 2-3 year graded benefit period and higher premiums. Coverage ranges from $5,000 to $25,000. Read more
Final expense insurance is a type of whole life insurance designed to cover end-of-life costs such as funeral expenses, medical bills, and outstanding debts. Policies typically range from $5,000 to $50,000 and do not require a medical exam. Read more
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