Diabetics and Life Insurance: What You Need to Know?


There are a lot of people in the US who are suffering from diabetes these days. Besides, this condition occurs when your blood sugar level becomes abnormally high. This condition can make your immune system very weak. Besides, if this condition is left untreated it can damage your kidneys, nerves, eyes, and other organs. Diabetes is of different types. Take a quick look below to know what they are!

  • Type-I Diabetes
  • Type-II Diabetes
  • Gestational Diabetes
  • Prediabetes

What are the symptoms of diabetes?

Some of the symptoms of diabetes include extreme fatigue, blurry vision, increased hunger, sudden weight loss, and frequent urination. People with diabetes should be extremely careful, otherwise, it could lead to various other problems.

Are diabetics eligible for a life insurance policy?

If you are diabetic (Type-I and Type-II), you can buy a life insurance policy. And, this policy offers both protection and financial assistance throughout your treatment. Diabetic individuals who are insulin-dependent can easily obtain life insurance. Diabetics who have their blood sugar levels under control, but diagnosed with conditions like high blood pressure or obesity may not be eligible for life insurance.

In fact, it all depends on the risk levels. Individuals with diabetes who do not keep their blood sugar under control, may not be eligible for life insurance. When it comes to the premium, it generally depends on the severity of your condition and other factors. If your request is rejected by any of the insurance providers, you don’t have to worry about it because there are so many insurance providers out there, who might help you by providing life insurance.

For many type 2 diabetes life insurance applicants, you may not even receive higher rates.  Many type 2 diabetics receive the same insurance ratings as those who do not have diabetes.  In addition, there are several no exam life insurance for diabetics options.

Every insurance provider will have its own set of rules when it comes to providing life insurance. Hence, never lose your hope.  Life insurance for diabetics can be easily obtained, and rates are affordable.

What questions to expect from your insurer?

Mentioned below are some of the questions that your insurer may ask you. Take a look at them!

At what age you are diagnosed with this condition?

Most of the insurance providers will ask you this question because age plays a very important role in this case. Diabetes might cause more damage in the people who were diagnosed with it when they are young. As the risk, in this case, will be high, most of the insurance companies might charge high premium rates. On the other hand, if you are diagnosed with diabetes post-40s or 50s then you might get insurance at a lower or affordable rate.

How much is your A1c level?

Most of the insurance companies consider 7.5 and below as healthy A1c levels. This means they may get life insurance. Even the patients with 8.5 A1c levels can apply for life insurance, but not all insurance companies accept it.

What are your fasting blood sugar levels?

In general, the ideal blood sugar level in an individual is considered as 140. However, most of the insurers may accept blood sugar levels up to 180 for providing life insurance. If your blood sugar level is more than this then the chances can be less for you to get life insurance. However, it is better to check with different insurance companies once. 

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