The short answer
People with diabetes can absolutely get life insurance, and many qualify for standard traditional policies rather than the limited plans they fear. Insurers look at how well your diabetes is controlled — your A1c, how long you have had it, your medications, and any complications — and price accordingly. Well-controlled Type 2 diabetes in particular can earn competitive rates, while less-controlled cases or Type 1 may pay more but still have solid options.
So a diabetes diagnosis changes your pricing and where you shop, not your ability to get covered.
How insurers rate diabetes
Underwriters weigh your A1c level, age at diagnosis, treatment, and whether you have complications like neuropathy or kidney issues. Good control, a healthy weight, and no complications point toward better rates. Because carriers differ widely in how they treat diabetes, the same applicant can get very different offers, so shopping several insurers matters more than usual. Our guide to no-exam vs. underwritten coverage explains why an exam that documents good control can help.
The practical takeaway is that documented good control is your strongest lever on price.
How to shop for the best offer
Get quotes from multiple carriers, because diabetes-friendly insurers exist and can beat a general quote substantially. Be ready to show recent A1c readings and your treatment history, and consider working with an independent agent who knows which carriers rate diabetes favorably. If control has improved since a past application, it may be worth re-shopping. Our life insurance overview covers the broader options.
The takeaway: diabetes is very insurable — control your numbers, document them, and shop carriers that rate diabetes well.
Frequently Asked Questions
Can diabetics get life insurance?
Yes. Many people with diabetes qualify for standard policies. Insurers price based on control — A1c, duration, medications, and complications — so well-managed diabetes can earn competitive rates.
How does A1c affect life insurance rates?
A lower, well-controlled A1c signals good management and points toward better rates, while a high or poorly controlled A1c raises the premium. Documented control is your strongest lever.
How do I get the best life insurance rate with diabetes?
Shop several carriers, since they rate diabetes very differently, show recent A1c and treatment history, and consider an independent agent who knows diabetes-friendly insurers.
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