Will Diabetes Affect My Life Insurance Policy?

Shawn Plummer

CEO, The Annuity Expert

Understanding the Underwriting Process with Diabetes

When applying for life insurance, having diabetes will indeed impact the underwriting process. Underwriters assess your overall health, including the management and control of your diabetes, to determine your insurance rates.

Factors Influencing Life Insurance Rates for Diabetics

  1. Control of Diabetes: Well-managed diabetes, evidenced by stable blood sugar levels and adherence to treatment, can lead to more favorable rates.
  2. Type of Diabetes: Type 1 and Type 2 diabetes are evaluated differently. Generally, Type 2, often associated with better control, may result in better rates.
  3. Associated Health Issues: Complications such as cardiovascular disease or kidney problems can increase premiums.
  4. Lifestyle Factors: A healthy lifestyle, including regular exercise and a balanced diet, can positively influence rates.

Strategies for Securing Better Rates

  • Regular Monitoring: Consistent monitoring and management of blood sugar levels.
  • Medical Documentation: Provide comprehensive medical records showing effective diabetes management.
  • Healthy Lifestyle Choices: Maintain a healthy weight, exercise regularly, and follow a balanced diet.

Examples of Rate Outcomes

  • Standard Rates: Achievable for diabetics with good control and no significant complications.
  • Preferred Rates: Possible in rare cases with exceptional diabetes management and overall health.

Life Insurance Rates for Diabetics

Diabetes Control LevelPossible ComplicationsLifestyle FactorsExpected Rate Outcome
Well-ControlledMinimal to NoneHealthyStandard to Preferred
Moderately ControlledModerateModerately HealthyStandard to Slightly Higher
Poorly ControlledSevereUnhealthyHigh to Declined Coverage


While diabetes does affect the life insurance underwriting process, with good management and a healthy lifestyle, it is possible to obtain Standard or even better rates. Effective control of diabetes is key to securing favorable insurance terms.

Contact us today for a free quote.

Get a Free Life Insurance Quote

Get help from a licensed financial professional. This service is free of charge.

Contact Us

Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

Scroll to Top