Life Insurance

Life Insurance with Diabetes: You Can Still Get Covered — Here Is How

Diabetes does not disqualify you from life insurance. The type of diabetes, how well it is controlled, and other health factors determine your rate. Here is what to expect.

🇺🇸 Patriot Plans Editorial Team·8 min read·April 20, 2026

Diabetes is one of the most common pre-existing conditions in America — over 37 million Americans have it. The good news is that most people with diabetes can get life insurance. The key is understanding how underwriters evaluate diabetes and working with an independent agent who can shop multiple carriers.

Type 1 vs Type 2 Diabetes

Type 1 diabetes is typically viewed as higher risk by life insurance underwriters because it is more difficult to control and has a longer duration. Type 2 diabetes is more common and often better controlled. Both types can qualify for life insurance, but rates vary significantly.

What Underwriters Look For

Underwriters evaluate: A1C levels (the primary measure of blood sugar control), how long you have had diabetes, whether you have complications (neuropathy, retinopathy, kidney disease), your BMI, and other health factors. Well-controlled diabetes (A1C below 7.0) typically qualifies for better rates.

What Rates to Expect

A 45-year-old with well-controlled Type 2 diabetes might qualify for standard or preferred rates — similar to someone without diabetes. Poorly controlled diabetes or diabetes with complications typically results in substandard rates (higher premiums) or decline.

Guaranteed Issue as a Backup

If you cannot qualify for traditional life insurance due to diabetes complications, guaranteed issue life insurance is available with no health questions. Coverage amounts are limited ($5,000-$25,000) and there is a 2-year waiting period, but it ensures you can get some coverage.

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Frequently Asked Questions

What A1C level do I need to qualify for life insurance?

Most carriers prefer an A1C below 7.0 for standard rates. A1C levels between 7.0 and 8.0 may qualify for substandard rates. A1C above 8.0 may result in decline from some carriers, but an independent agent can find carriers that specialize in diabetic applicants.

Should I disclose my diabetes on a life insurance application?

Yes, always. Failing to disclose a known medical condition is insurance fraud and can result in claim denial. Disclose all health conditions accurately.

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