life insurance for people with diabetes
Diabetes is one of the most common conditions affecting life insurance applicants. Well-controlled Type 2 diabetes is often insurable at standard or slightly higher rates. Type 1 diabetes is more chal...
life insurance for people with diabetes
Diabetes is one of the most common conditions affecting life insurance applicants. Well-controlled Type 2 diabetes is often insurable at standard or slightly higher rates. Type 1 diabetes is more challenging but still insurable from many carriers. The key factors: A1C level, years since diagnosis, complications, and medications.
What You Need to Know
- Well-controlled Type 2 diabetes (A1C under 7.5) often qualifies for standard rates
- Type 1 diabetes is insurable but typically at higher rates
- Years since diagnosis matters — longer history of control is better
- No complications (neuropathy, retinopathy, nephropathy) improves outcomes
- An independent agent specializing in impaired risk finds the best carrier for your specific A1C and history
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.