disability insurance for people with diabetes
Diabetes can affect disability insurance underwriting. Well-controlled Type 2 diabetes is often insurable with a standard or slightly modified policy. Type 1 diabetes may face more significant underwr...
disability insurance for people with diabetes
Diabetes can affect disability insurance underwriting. Well-controlled Type 2 diabetes is often insurable with a standard or slightly modified policy. Type 1 diabetes may face more significant underwriting challenges. The key factors: A1C level, complications, and years of control.
What You Need to Know
- Well-controlled Type 2 diabetes (A1C under 8) is often insurable
- Type 1 diabetes may face higher rates or exclusion riders
- No complications (neuropathy, retinopathy) significantly improves outcomes
- An independent agent specializing in impaired risk knows which carriers are most favorable
- Group disability through an employer may have guaranteed issue regardless of health
The Patriot Plans Difference
Patriot Plans is 100% independent. We work for you — not the insurance companies. When you have a health condition, finding the right carrier is critical. Different carriers have very different underwriting guidelines for the same condition. An independent agent who knows the market can often find coverage that a direct-to-carrier application would miss. We've helped 400,000+ families find the right coverage — including thousands with pre-existing conditions.
Ready to Find the Right Coverage?
Patriot Plans is 100% independent. We compare plans from vetted carriers and find the one most likely to offer you the best rate for your specific situation.