How to Get Life Insurance with Diabetes Without a Medical Exam

Chris Riley

Chris Riley

Chris is the Founder and CEO of USA Rx. Chris has led the USA Rx team to continue to push for further transparency and more savings options in the U.S. prescription marketplace for the Diabetes community. With COVID-19 transforming and normalizing how consumers view and use digital health, Chris led the transformation of the USA Rx brand to a digital health marketplace.

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Last Updated on November 30, 2023

When it comes to the lifelong security of your loved ones, even a slight compromise is not acceptable. A perfect life insurance policy plan is what one must look for. 

Accomplishing a desirable coverage from these traditionally underwritten policies is a catch-22. Adding to the top of it if you suffer from diabetes your worry and trouble to find a decent coverage amount is understandable.  Luckily, life insurance companies have evolved over time, making life insurance coverage easier to find for a person with diabetes. And now, you need not worry about having diabetes without insurance. 

A never-ending list of medical history requirements, vigorous testing and delays add fuel to the flame. But, here is a rescue plan you are looking for, the no exam life insurance for diabetic patients, a win-win situation for the diabetes community.

Overview of No Medical Exam Life Insurance for Diabetics

The no medical exam policy saves you from undergoing any medical tests and procedures like- Blood Sugar Test, EKG, Urine Test or BP Test. So, if you are the person having diabetes without insurance, you still need not perform any medical exam. 

As stated in the traditionally underwritten policies you are required to share your past medical and diabetes history of 5 years or as required with an assessment of the severity of the condition and the information is underwritten.  In addition to having a life insurance underwriter review your health records, you’ll also need to have a blood and urine specimen collected from an examiner.  Your lab results are then shared with the life insurance company. 

After taking weeks for approving and analysing your health profile the offer is made for insurance coverage, contrary to this no exam insurance policy just takes a few days to approve in most cases.


Application Process

Every no exam term life insurance provider has different prerequisites but the general application format is answering a few questions on the electronic form or filling it manually. 

Generally, the questions include:

  • Age of onset
  • Type of diabetes
  • Medications for controlling 
  • Complications if any
  • Frequency of blood sugar testing
  • Medical history of immediate family members
  • Any other medical conditions
  • A1C levels


Apart from this, your database is inspected on their level that includes MIB report, pharmacy prescription background and the APS is checked in some cases. The process is simple and hassle-free.


Policies Available for Different Diabetic Conditions

TYPE-1 Diabetes

People in this spectrum are generally diagnosed before 30 years of age. This condition is incurable, considered riskier and can be placed in the rated health class.  Now this isn’t our decision, or thought process.  But rather how most life no exam term life insurance providers will view an individual with type 1 diabetes.

It’s tricky to acquire a decent coverage unless you have a smart agent who can get your way through it. You can generally secure a larger policy of about $500,000 or smaller for $50,000 as per your financial budget and financial needs.

You can look for both Term Life Insurance and Whole life insurance, but the premium is likely to be high considering the risks but both policies have different requirements.  People with type 1 diabetes will have fewer non medical exam options compared to a person with type 2 diabetes.


This policy includes a review of the following aspects:

  • Medical history is inclined to be reviewed 
  • Age of onset
  • Control and Medication
  • Current medical condition and risks 


TYPE-2 Diabetes

Generally, it is easy to qualify for insurance if you are in this group. This type begins after 30 years of age and is reversible with proper lifestyle choices.

Similar policies are available for this category too since this type of controllable companies is easy on the applicants with various options to choose from. 

There is scope for both Term life insurance policies and Whole life insurance policies that also have great coverage deals.


You must provide the following details:

  • Age of onset
  • Current medical condition and control
  • Minor diabetes complications after 40 years of age, if your condition is controllable your chances of getting an instant approval are in your favour 
  • List of non diabetes medical conditions 


Gestational Diabetes

Women who are pregnant can be diagnosed with this type of diabetes. The likelihoods of permanent and term life insurance policies are positive for this category as companies tend to look largely on physical parameters like height, weight and diet plan for a healthy lifestyle.



People in this category can easily qualify for policies made for non-pre diabetics people as this condition is generally not a concern for insurance companies. 

Policies up to $1 million or higher in coverage is achievable instantly or in short duration unless you possess any other medical conditions.


Quick Overview of Available Life Insurance Plans

No Medical Exam Term Life Insurance

With an easily cancellable policy you can terminate the policy whenever you require.   Term life insurance does not accumulate any cash value, thus a policy holder can feel free to cancel at any time if no longer needing coverage. Available in term lengths of 10, 15, 20, 25 and 30 years this policy is favourable for people suffering from a chronic or critical health condition.  With pre-stated living benefit riders, you can get extra benefits at no extra cost.


Guaranteed Universal Life Insurance Policy

If you require guaranteed premiums with less consideration to the cash value of the policy, this one’s for you! 

You are offered coverage till age 80, 85, 90, 100 or age 121 years of age as you desire for your financial needs. Hence, this policy gets its name term-to-Age 100 policy for ensured lifelong coverage.  For many, this type of permanent life insurance offering is a good fit as it’s less expensive in cost compared to a whole life insurance policy.


Guaranteed Issue Life Insurance

People with serious health issues in the middle to old years or above, guaranteed issue life insurance is ideal for you.   Policies like this will accept a person with any type of medical conditions.  A consumer would only want to elect a policy like this if in poor overall health.

With a 2 year waiting period the policy offers you all premiums additional to refund if a person dies within the first 2 years and if a person dies after 2 years of the policy full amount is refunded to the legatee.


Graded Death Benefit Whole Life Insurance

Similar to the previous policy except being less expensive, the full death benefit amount is paid after 2 years of policy age and in other cases can offer up to 30-40%  of the death benefit in the first year and 60-70% in the second year.


Which Policy to Choose?

It is very well known that appropriate riders and a good agent can help you get the policy customisable as per your needs. Different policies have different benefits and here are some points you should ponder upon before taking the big leap:

  • How much coverage do I need from the insurance policy for covering financial expenses?
  • How long should the policy be to take care of my family?
  • Is the policy convertible as per my needs in future from term to whole life plan?
  • What are the benefits of different riders and which can I choose?
  • Which policy best suits me for my medical condition?


Above questions are best to keep in mind to analyse your needs. People with diabetes can achieve the same riders available for non-diabetic people such as- Accelerated Living Benefits for:

  • Terminal Illness 
  • Critical Illness
  • Chronic Illness
  • Return of Premium Rider
  • Children’s Rider
  • Waiver of Premium 


Final Verdict

If you are diabetic and want to give a secure future to your loved ones, investing in Life Insurance is the best decision you can make.   There is no other financial product that can protect your loved ones like a life insurance policy.

Without being confused or entangled you just need an agent who understands your needs and helps you find the best possible insurance policy for your personal needs.  In the event we can help, please contact us at 888-629-3064.            


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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