Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 4, 2020

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Type 2 Diabetes Life Insurance

If you have type 2 diabetes and are looking for life insurance coverage, you may not realize that you can get very affordable life insurance rates with most major life insurance companies.

Diabetics with type 2 diabetes generally qualify for the standard risk class rather than the substandard ratings often associated with type 1 diabetes.

The difference between a standard risk class and a substandard risk class in terms of premium can result in huge savings for what you will pay for your life insurance coverage.

In order to qualify for the best life insurance coverage for type 2 diabetes, you must have your diabetes well under control.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Getting the Best Price for Life Insurance with Type 2 Diabetes

Getting the best price for type 2 diabetes life insurance coverage begins with an experienced life insurance agent. It is very important that you work with a life insurance agent that understands your health condition and can get you the best prices based on your health condition. Top Quote Life Insurance specializes in working with type 2 diabetes life insurance coverage.

Although most major life insurance companies will consider type 2 diabetes a standard risk class it’s not automatic. It takes an experienced life insurance agent to know which companies will offer the best rates for your unique health risk class.

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2 Main Steps to Getting Type 2 Diabetes Life Insurance Coverage

The first step to getting life insurance coverage with type 2 diabetes is applying with the right life insurance company. Top Quote Life Insurance works with all the major life insurance companies that are favorable to insuring type 2 diabetics.

The second step to getting life insurance coverage with type 2 diabetes will be what your overall health history has been like. Determining how well your diabetes is controlled is an important factor.

Additional Key Factors

A1C levels – The top life insurance rates for type 2 diabetes life insurance coverage are generally given to diabetics with A1C levels below 7.0. A1C levels above 7.0 usually fall in the substandard risk classes.

Age – Life insurance companies are more favorable when the diagnosis was in your later years (50+).

Following doctor’s orders – A good track record of consistently following doctor’s orders is another favorable factor for getting the best rates.

Overall health – A well-documented health history of good blood pressure readings, cholesterol, exercise, cardiac evaluations, stress and EKG’s will aid in the approval of the top risk class for type 2 diabetes life insurance coverage.

Negative Factors

No matter how well controlled your diabetes may be, there are negative factors that can affect your qualifications for the best health class.  If you add any of these three factors:

  • Tobacco Use
  • Heart Attack or Stroke
  • Obesity

If you use tobacco, have had a stroke, heart attack or are overweight, it is most likely you will be classified in a high substandard risk class or possibly declined.  Diabetes alone is not a major concern but add in a negative factor, and it is viewed by underwriting as a greater insurable risk.

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Additional Options

If you have type 2 diabetes and it is not under control or have a negative factor against you, there are additional coverage options such as “no medical exam” or “guaranteed issue” life insurance coverage. No medical exam life insurance coverage will cost more than traditional term life insurance, but it can make for a very good alternative coverage option.

We can help you get Coverage with Type 2 Diabetes

Top Quote Life Insurance wants to make your search for type 2 diabetes life insurance coverage your one and only stop in your search for coverage.

We specialize in type 2 diabetic life insurance coverage and represent all the major life insurance carriers that are favorable to your unique health risk.

Read More About Life Insurance with Diabetes:

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