The Best Life Insurance Companies
If You Have Diabetes

Our clients routinely ask us which companies offer the best rates for diabetes.  Are good rates still available?

Indeed, we have helped thousands of high-income clients get the best rates – you have come to the right place.  Having diabetes does not mean you have to pay a fortune. 

Let us assist you in finding the best rates from A+ Superior companies that offer great rates for diabetics.

We specialize in high income earners, therefore let us be your guide.

diabetes and life insurance

Top 5 Questions Life Insurance Companies ask if you have Diabetes

  • Type of Diabetes
  • What is your height/weight
  • What is your Hemoglobin A1c Level
  • Current Medications
  • Any complications from your diabetes

Type of Diabetes

The type of diabetes plays a large role in how the insurance company underwrites the application.  Generally Type I diabetes can expect to pay a higher premium than Type II diabetes. 


Diabetes can be controlled with diet alone.  Next, oral medications are used as standard first line treatment.


People with diabetes get nervous when insulin is discussed but truly you just want to be on the best regimen to control your glucose numbers.  Above all, Diabetes is a numbers game!  Insurance companies look at how your numbers look, not just if you have to use insulin.  They focus more on BMI, hemoglobin A1c, blood pressure etc.


Don’t let taking insulin keep you from shopping companies to find the best rates- they are available!

diabetes and life insurance

Height and Weight

diabetes and weight for life insurance

Undoubtably insurance companies will ask your height and weight in order to calculate your BMI or in other words your Body Mass Index.

A normal BMI is 18-29

If you fall outside this “normal” level your policy may be not qualify for the best rates, however other criteria is also taken into consideration.  Often other factors such as your hemoglobin A1c play a large role.

Hemoglobin A1c

Hemoglobin A1c is a blood test that your physician will check often yearly or bi-yearly to help determine your glucose levels over a 90 day period.  

Even though you may keep great records of your daily glucose levels this test is also a great tool.  In fact this helps determine if you are on the right medications or diet.

Ideally you want a Hemoglobin level below  or < 7% if you have diabetes. This indicates you have good control of your glucose levels. 

Pre-diabetes typically fall 5.7-6.4%

Levels of 6.5% or higher indicates diabetes

labs for life insurance

Typical Diabetic Medications

Insurance companies ask about the medications you are on.  Often times if you take oral medications only your rates will be different then if you also take insulin.

Some typical medications used:




Avandaryl/ Glimepiride-rosiglitazone

Insulins such as;

Humulin and Novolin

Novolog, Flexpen, Fiasp





And many others..

Any complications from your diabetes?

Diabetes can affect other organ systems and so companies often ask if your diabetes has affected you in any way

For example;

Visual issues or glaucoma – high glucose levels can affect your vision over time.

Any amputations from vascular disease or non healing wounds – high glucose levels make it harder for your body to heal.

Overall, companies want to make sure that you are having routine medical testing for your diabetes to make sure you are under tight control, to avoid any complications long term. 

A+ rated companies that offer great rates for diabetics

diabetes and the best life insurance companies

Here is a list of the top insurance companies we go to first to get the best quotes:


Protective Life

Lincoln National Life


Pacific Life

Transamerica Life

and many others.


In conclusion...

As you can see, diabetes is so common, affecting over 100 million Americans.

We have many amazing treatment options to stay healthy.

Life insurance companies cover diabetes all the time and you can still get great rates with A+ rated companies.

How do we know?

We’ve helped 1000’s of clients get the coverage they need at great rates- everyday.

Let us help you – professional service for you, our busy clients.

We help make it easy!

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