Cheapest Life Insurance for Diabetics

Chris Stocker

Chris Stocker

Owner and author of The Life of a Diabetic. He's been writing about Diabetes related topics for over 10 years, and has been featured in HealthLine, Diatribe, Diabetes Advocates and JDRF.

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Last Updated on June 5, 2023

Are you a Type 1 Diabetic or Type 2 Diabetic that has been shopping around for life insurance? If so, you are probably already quite sick of talking about life insurance aren’t you? Most Diabetics go through a similar process when shopping around for life insurance.

They start by calling for a life insurance company and conducting a short phone interview, and then receive a quote for their life insurance plan. The quote they receive is so high, they think the first company must just be trying to pull a fast one on them, so they contact another.

Then that next company comes back with a similar quote, sometimes even higher. Same for the third, fourth and fifth company they contact. At that point, most Diabetics simply give up and start to believe they are simply un-insurable. We can help you find the cheapest life insurance for diabetics.

This truly makes us sad, not just because we are in the life insurance industry and we know better, but because it means that lots of families will go uninsured. We always say that we are in the people business first and the insurance business second – we really mean it when we say that we care more about you getting your family insured much more than we care about the fact of whether you use our help or not.

There are more options available to you than you may realize, such as no exam life insurance for diabetics, we will help you get the coverage you deserve.

Finding Cheap Life Insurance For Diabetics

We would love to offer you all some advice on how to obtain the cheapest life insurance for diabetics. Even though finding cheap life insurance for Diabetics has been advertised as , there are a few ways to go about getting yourself a deal.

The easiest way to get the cheapest life insurance for Diabetics is to work with a respectable life insurance agent. That isn’t a joke, although we definitely understand your concern about doing anything with an agent – not using an experience agent usually means you will end up paying more in the end.

In the life insurance industry however, this is not the case, and this goes double if you have a condition like diabetes which is causing your quotes to be too expensive.

At Diabetic Life Insurance Solutions we have been through this process with hundreds of people in the past, while this is your first time going through the process.

Your agent will conduct an interview with you which is similar to the interview conducted by the insurance underwriters. The difference is, the agent will guide you with your answers, so you still answer things truthfully but you don’t say the types of things that cause the underwriters ears to perk up in the same direction as your quote.

This allows us to match you with the best life insurance policy for diabetes that we can possibly find to fit your needs.

Another benefit of working with an agent, is that they can help you understand all the different quotes once they come back. If you were to receive 30 detailed quotes to go through, it could easily become overwhelming, but with the help of your agent, they can bring you to an understanding of everything that is being said in the quotes.

This is a huge help in you being able to get the best life insurance rates for diabetics and make an informed decision about your life insurance policy, because let’s face it, it’s a big decision!


Matt Schmidt is a nationally licensed diabetes insurance expert. Over this time frame he's helped out over 10,000 clients secure life insurance coverage with Diabetes. He's frequently authors content to Forbes, Entrepreneur, The Simple Dollar, GoBanking Rates, MSN,, and Yahoo Finance and many more.

Matt Schmidt is also the Co-Founder of Diabetes Life Solutions and Licensed Insurance agent. He’s been working with the Diabetes community for over 18 years to find consumers the best life insurance policies.  Since 2011, he has been a qualified non-member of MDRT, the most prestigious life insurance trade organization in the USA

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