Life Insurance by Health
What is the best life insurance for diabetics?
Diabetics can get life insurance, but premiums depend on how well the diabetes is controlled. Type 2 diabetics with good A1C levels (under 7.0) can often qualify for standard rates. Type 1 diabetics typically pay higher premiums. An independent agent can shop multiple carriers to find the best rates for diabetics.
Key Points
- Type 2 diabetics with good A1C: may qualify for standard rates
- Type 1 diabetics: typically pay higher premiums
- A1C level, age of diagnosis, and complications affect rates
- An independent agent can shop multiple carriers for the best diabetic rates
- Guaranteed issue life insurance: available if declined by other carriers