Life Insurance for Type 1 Diabetics in 2021

Life Insurance for Type 1 Diabetics in 2021
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.

Last Updated on October 18, 2021

Life insurance for Type 1 Diabetes can be challenging to obtain.  Now with this being said, Diabetes Life Solutions is here to help you with the entire application process.  We’ll help you identify the companies that are most competitive given your financial objectives, and your overall health.

We’ll also point out that life insurance for Type 1 Diabetics will be more expensive compared to those that do not have any type of Diabetes, or for those who live with Type 2 Diabetes.

Living in the Covid 19 pandemic era has made one thing clear.  Everything in our lives is changing.  This is also true for the life insurance industry.  Many life insurance companies are changing their underwriting guidelines, and product offerings.

This is impacting many people with Diabetes, especially those living with Type 1.  People with Type 1 Diabetes are going to have fewer life insurance companies to choose from for the foreseeable future.  Certain companies will no longer offer coverage due to the current environment.  We hope this changes in the future, but issues like these are out of our control.

Can a person with Type 1 Diabetes still qualify for life insurance?  Most likely.  But this is ultimately determined by your current and past health history.  Is life insurance for Type 1 Diabetics affordable?  In some situations it very well may be.  

It’s always a good idea to contact us at 888-629-3064, and speak with a licensed agent.  We’d be happy to visit about your life insurance needs, and to discuss what life insurance options you may have available.  We’re comfortable to say that many people may have the opportunity to still qualify for a Type 1Diabetes life insurance policy.

Type 1 Diabetes Overview

Over the last decade or so, there has seemed to be an epidemic occurring in the United states, and other parts of the world. Diabetes is becoming more and more common.

As a result, more and more people are being diagnosed with type 2 diabetes or pre-diabetes. It seems that Type 1 Diabetes doesn’t get talked about as much, outside of the headlines discussing the pricing of insulin.

According to the American Diabetes Association, there are nearly 1.25 million people in the United States alone, who have Type 1 Diabetes.  That’s a lot of people who are living with this chronic illness.  Now let’s view some more alarming statistics from Beyond Type 1:

United States 1

  • Approximately 1.25 million Americans have Type 1 diabetes.
  • By 2050, 5 million people are expected to be diagnosed with Type 1 diabetes.
  • An estimated 40,000 people are diagnosed with Type 1 diabetes each year.
  • 200,000 people under the age of 20 years old have Type 1 diabetes.
  • Between 2011 and 2012, 17,900 children and adolescents under the age of 20 were diagnosed with Type 1 diabetes.
  • There was a 21% increase in people diagnosed with Type 1 diabetes between 2001 and 2009 under the age of 20.
  • By 2050, 600,000 people under the age of 20 are expected to have Type 1 diabetes.
  • Among people under the age of 20, non-Hispanic whites had the highest rates of new diagnosis of Type 1 diabetes.
  • There are $14 billion in Type 1 diabetes-associated healthcare expenditures and lost income each year.
  • Less than a third of people with Type 1 diabetes consistently achieve target blood-glucose control levels.
  • Preliminary data from T1International’s 2018 access and supply survey that says 1 of every 4 US respondents have rationed insulin due to cost.

(Image Source: Gluxus Health)

Let us be clear. There will be a 99% chance that your life insurance policy will be more expensive, or rated as a sub-standard policy, compared to people without Diabetes. Life insurance companies are going to view your health profile as a sub-standard risk. Do not allow yourself to be tricked by unethical agents who intentionally provide you with fake quotes

In fact, if you see a website, or agent who is showing Preferred Plus, Preferred, or Standard Plus rates, you need to know that they are intentionally misleading you. Or if you receive a quote, without providing a very detailed diabetes questionnaire, those quotes will be fake low ball quotes.

Getting life insurance with any form of diabetes can be difficult, but life insurance for Type 1 Diabetics can still be affordable, and easily obtained. You just need to work with Diabetes Life Insurance specialists such as Diabetes Life Solutions.  If you’ve been declined life insurance due to diabetes, just relax.  Chances are you qualify for coverage, but you have been working with the wrong agent in the past. 

Getting Life Insurance for Type 1 Diabetics

People with chronic conditions, specifically Type 1 Diabetes, did not ask for this disease, so it is unfortunate that life insurance companies look at

them in a different manner. Life insurance companies will always view a person with Type 1 diabetes as a higher risk compared to a person with Type 2 Diabetes. However, life insurance companies have made improvements to their underwriting guidelines over time, and rates for people with Type 1 Diabetes are at all time lows.

Fortunately, there are quite a few solutions out there when it comes to finding the best life insurance for type 1 diabetics, it just takes a little more work than it would for the average person. You don’t have to do this alone, or over complicate the matter. Diabetes Life Solutions was founded to help the Diabetes community obtain life insurance coverage. Contact us or even call 888-629-3064 and have an agent help you and your family.

How are Premiums Priced for Type 1 Diabetic Life Insurance

The first and most important thing to understand, is that life insurance for type 1 diabetics is going to be more expensive than life insurance for non-Diabetics. There is simply no getting around this fact – diabetes is a disease that the life insurance underwriters are going to view as a risk and they adjust premiums accordingly. There is no way to hide the Type 1 Diabetes from them either, as you’ll have to provide details to your Diabetes treatment and history on the application.

For most people who have Type 1 Diabetes, your policy will be ‘Table Rated’ or rated Sub Standard. This means that your life insurance policy will be more expensive, compared to a person without Diabetes.

Generally, every table rating applied to a policy, increases the premium by 25%. Majority of people with Type 1 Diabetes will have a policy issued with a table rating of C,D or higher. Everyone’s health profile, and diabetes history is different. For an accurate quote, you’ll need to complete a brief diabetes questionnaire, or contact us.

Life insurance companies are going to base your premium off of four main criteria:

  • Age of Type 1 Diabetes onset
  • Control of your Type 1 Diabetes (A1C and Glucose history)
  • Other Significant Health issues
  • Usage of Tobacco Products

Life insurance companies will also want to know about the following:

  • Any use of Diabetes Related Technology?
  • Do you Exercise Regularly?
  • Are you watching your Diet?

INSIDER’S TIP: Less than 5 percent of all policies applied for by Type 1 diabetics will be STANDARD. Majority of applicants will be Table Rated. Unfortunately, certain websites and agents try and trick the Diabetes community. If an agent emails you a quote using Standard or better ratings, they are intentionally misleading you, to trick you into applying with them.

Also, if an agent quotes you Banner Life or Prudential, and indicates they have the lowest rates possible, 99% this in fact FALSE. While both carriers are excellent life insurance companies, there are generally better priced options. Only agents who are not properly trained in working with the Diabetes community, quote these companies.

Although you have Type 1 Diabetes, we do have a few tips on how you can obtain better life insurance rates, and discounted life insurance premiums.

Take Time to Get Healthy

Life insurance companies will take in account your complete health profile. In addition to reviewing your Type 1 Diabetes history, they’ll also want to know about your lifestyle, and other health issues.

One way to make a good impression on a life insurance underwriter, is showing them you have a ‘healthly’ lifestyle. Meaning being compliant with Dr.’s orders, eating right, and having an exercise program. If you have a Diabetes related complication, this may lead to higher premiums, depending on the severity.

Certain companies will offer ‘healthly’ lifestyle credits if you maintain a proper Height/Weight and exercise regularly. This may lead to a life insurance premium that’s 25% lower than an individual with Type 1 Diabetes who doesn’t.

There are several websites who provide health tips, and lifestyle guidance to the Type 1 Diabetes community. Following a site such as Beyond Type 1, will assist you in learning how to live healthy, with Type 1 Diabetes.

See an Endocrinologist

One way to show an insurance company you are serious about controlling your Type 1 Diabetes is by seeing an endocrinologist. Seeing a specialist, that only works with Diabetes patients tends to help control your A1C, keep you on a strict diet, and overall help you maintain a healthy lifestyle.

Any little thing we can help show an underwriter, in regards to ‘positives’ about your health profile, will help keep your table ratings at a minimum. Certain companies will view an applicant who sees an Endocrinologist quarterly more favorably, compared to a person who may only see their Doctor once a year.

Use Technology

Diabetes and technology seem to go ‘hand and hand’ at the current moment. And certain life insurance companies are taking notice.

Showing certain companies that you are using an insulin pump, or a Controlled Glucose Monitoring device, may lead to discounts on your policy. If you aren’t using these forms of Diabetes, don’t be discouraged. You’ll have another chance to utilize technology for discounts on your Type 1 Diabetes life insurance.

Many of us are using activity trackers such as Apple Health or FitBit devices. But did you know that if you are willing to share your ‘data’ and ‘activity’ with certain companies, you may be in line for a discount? Here at Diabetes Life Solutions, we have partnered with specific life insurance carriers who review this information, as well as your complete health profile, and possibly offer discounted rates on Type 1 Diabetes life insurance. This additional information will give an underwriter more insight into your overall lifestyle.

To some, sharing your data isn’t worth the discounted rates. We understand this. This is simply an option that may be worth discussing.

Maintain a ‘Low A1C’

Generally speaking, the lower your A1C reading is, the better your life insurance rating may be. Life insurance in companies are going to want to see that your A1C reading is not elevated ( above 9.5) and that your Diabetes is not uncontrolled. Having an A1C of 7.3 or lower may yield a 25% lower price compared to an applicant who’s A1C reading is higher.

We also understand that NOT everyone can maintain a LOW A1C reading, for one reason or another. If that’s the case, don’t sweat it. Certain companies will review your entire health history. IF everything looks good, and you still have an elevated A1C, they may be able to make exceptions, and offer healthy lifestyle credits to your policy.

Remember, all Life Insurance Companies Will View You Differently

Rates on life insurance for type 1 diabetics can also vary wildly from company to company. This is because every life insurance provider assesses risk in a different way. While one might see Diabetes to be a huge risk, another may have many customers who are Diabetic and as a result is able to offer lower rates to Diabetics.

There is no “super list” out there that breaks down which companies you should apply with depending on your condition – however, depending on what type of policy you are looking for, we most certainly have some knowledge as to WHAT companies would work best for you!!

At Diabetes Life Solutions we specialize in helping type 1 diabetics get the best insurance rates. We only work with the Diabetes community. This is all we do, every day of the year.

Since we are only working with the Diabetes community, we are familiar with the companies that will treat your condition the most favorably and how to set yourself up for success in getting the best life insurance rates. We will work with you to get the best life insurance for your needs.

Once company may rate you higher due to past medical history, Height / Weight, or current control of your Type 1 Diabetes, while another company may not have any problems with this. Or maybe you have a form of Diabetes complication that would make you uninsuranble with one company, where another one would approve you. That’s why it’s imperative to work with an agent who only works with the Diabetes community. One that’s trained properly, to know all the ins and outs of various life insurance companies.

To begin determining what options you may have, simply reach out to us. Complete the quote request, or call us at 888-629-3064. A quick 5 minute phone call is all it usually takes.

It is also worth noting that there are other forms of life insurance which are available and can even be dead simple for diabetics to obtain. One example of this is what they call burial insurance – a life insurance policy that doesn’t care about your health and pays out a fixed amount in the event of your death. Policies like these are perfect for individuals who only need a small amount of insurance, to address final expenses and funeral costs.

There are many other options like whole life insurance for diabetics, term insurance, and other guaranteed issue plans. If unsure of what type of life insurance you need, just reach out to us. An agent can review your situation, and make suitable recommendations. Most individuals with Type 1 Diabetes can obtain any type of life insurance that’s on the marketplace. Rarely will the diabetes prevent you from qualifying for one type of policy or another.

This is another reason why working with an agent to get life insurance for type 1 diabetes can help you find the right match for your needs. Here at Diabetes Life Solutions, we will only provide REAL and ACCURATE information to you. NO fake quotes will be provided, unlike other online websites.

Common Mistakes to Avoid

Many people who have Diabetes Type 1 make mistakes when trying to obtain quotes, or actual offers of coverage. The number one mistake we see time and time again is getting a quote on a website, without answering ANY health questions.

There are a lot of websites that advertise Preferred or Preferred Plus rates to peol the Type 1 Diabetic community. In reality, these sites are providing fake quotes. 

Also, don’t fall for those TV or Radio ads that say a Male, ae 40, can get a million dollar policy for $13 per month. Those quotes are misleading, as people with Diabetes will NOT qualify for those types of rates. 

Another mistake we see people make is not having a conversation over the phone, or through email to help determine what their best offers may be. Take the time to provide your basic diabetes information to an agent, and let them do their job. The more information you provide, the more accurate quotes will be.

What Life Insurance Companies may be Ideal with Type 1 Diabetes?

Without knowing a person’s complete health history, it will be nearly impossible for any agent to recommend any one specific life insurance company. Again, it’s highly recommended to contact us, and provide the necessary medical information in order to receive a real and accurate life insurance quote.

Here are some sample companies that MAY be the best fit for you:

AIG or American General Life Insurance Company offers Term Life Insurance, Universal Life Insurance products, and Whole life policies to clients with Type 1 Diabetes. They also continue to have strong financial rankings.

AIG Life and Retirement, the division responsible for the company’s life insurance policies, has earned:

  • A – A.M. Best
  • A+ – Fitch
  • A2 – Moody’s
  • A+ – Standard & Poor’s

Banner Life has over a 180 year experience in the life insurance industry. They may consider Term Life, or a form of Universal Life insurance to a person with Type 1 Diabetes. Banner Life is rated A+ on A.M. Best for their superior performance and Financial Strength

Foresters is a company that a lot of people are not familiar with, but probably should be. They were founded in 1874, and other products to the Type 1 Diabetes community. This includes Term Life Insurance, Whole Life Insurance, and Guaranteed Universal Life policies.

Foresters is considered to be a strong and stable company from a financial standpoint. Because of this, it has been given high ratings. For example, A.M. Best has rated Foresters as an A- (Excellent).

John Hancock Life insurance company was initially founded back in 1862. John Hancock was one of the four-person founders. Ove time, John Hancock life insurance company has grown into one of the largest life insurance organizations in the United States. They are currently offering Term Life Insurance, and Universal Life Insurance products to people with Type 1 Diabetes.

Due to its healthy financial position, as well as its positive reputation for paying out to its policyholder claims, John Hancock is very highly rated.

These ratings include the following:

  • A+ from A.M. Best – Superior (the second highest out of a total of 13 ratings)
  • AA- from Fitch Ratings – Very Strong (the fourth highest out of a total of 19 ratings)
  • A1 from Moody’s – Low credit risk (the fifth highest out of a total of 21 ratings)
  • AA- from Standard and Poor’s – Very strong (the 4th highest out of 21 total ratings)

Assurity Life Insurance Company has been in business well over 100 years. They were founded all the way back in 1890. This makes them one of the oldest life insurance companies in America.

According to a recent Gallup Poll, Assurity Life Insurance Company has also been ranked in the 91% of all life insurance companies in the Gallup survey when it comes to employee engagement.

Assurity Life Insurance Company currently offers Term Life Insurance, Whole Life Insurance, Universal Life Insurance, and Accidental Death products to people with Diabetes Type 1. They also hold an A+ rating with A.M. Best.

How Much Does Life Insurance with Type 1 Diabetes Cost?

While life insurance rates will vary from person to person, we do what to illustrate some sample rates. These rates are for Non Tobacco users, who have good control of their Type 1 Diabetes, and no other significant health issues.

Life Insurance Rates for Type 1 Insulin-Dependent Diabetics

Policy Type
Face Value
Male Rate
Female Rate
10 Year Term
20 Year Term
20 Year Term
10 Year Term
20 Year Term
30 Year Term
10 Year Term
20 Year Term
30 Year Term

What is the Application Process with Type 1 Diabetes?

For about 75% of applicants who have Type 1 Diabetes, you’ll need to complete a fully underwritten life insurance policy. This means that you’ll need to complete a basic application, complete a paramedical exam, and also allow underwriters to review your most recent medical records.

A basic insurance application for a person with Type 1 Diabetes would ask for the following:

  • Full Name
  • Date of Birth
  • Address
  • Driver’s License Number
  • Social Security Number
  • Occupation and Employer
  • Annual Income and Net Worth
  • Medical History Questions
  • Name and Address of your Medical Professionals

When applying, you simply would complete an initial application. Complete a blood/urine exam, and then have your agent order your most recent medical records. Once the health records are received, along with your lab results, life insurance underwriters can review your complete health profile. All this information will be used for companies to make an offer.

While applying, you are NOT locked into any term length, or amount of life insurance. Since nobody can determine what final rates you may qualify for, you can make final decisions with the final offers. When applying thru Diabetes Life Solutions, there’s no need to complete multiple exams, or have your doctor office make multiple copies of records. Your agent will handle all of this on your behalf.

Frequently Asked Questions

Q: Why are life insurance rates for people with type 1 diabetes more expensive?
A:  Majority of life insurance companies simply still view a person with type 1 diabetes as high risk to insure. Even though we know that you can live a very healthy life with type 1 diabetes, companies will rate you higher. That’s the unfortunate thing. Carriers fear some of the longer term types of complications that may come from type 1 diabetes, such as retinopathy, neuropathy, or even nephropathy.

Q: Am I limited to any type of policy, or riders for my policy?
A: Surprisingly, no you are not. Companies have evolved for the better over time. You would most certainly be able to choose from Term Life Insurance, and various types of Permanent Life Insurance. People with type 1 diabetes can have policies with the same types of riders as a person without diabetes. Depending on your health profile, you may even qualify for policies with living benefit riders which have become extremely popular over the years.

Q: Do I have to do multiple medical exams, to determine my exact life insurance rates?
A:  Great news! You can generally simply do one paramedical exam, as insurance companies will accept the lab results, and medical history information collected at time of exam. This saves you from having to do multiple tests and scheduling countless appointments.

Q: Do I have to have an A1C of 7.0 or below, to qualify for life insurance?
A:  Sadly, this is yet another myth. We do always recommend a person tries to control their diabetes levels to the best of their abilities. But NO, an A1C of 7.0 is not needed to qualify. In fact, a couple of companies may consider a person with readings as high as 9.5.

Q: I’ve been declined for life insurance due to my type 1 diabetes, will this impact my options for life insurance?
A: No, it won’t. Life insurance underwriters are going to view your health profile at time of applying. Even though you were declined in the past, they are going to look at your health profile with an open mind. As long as you fit their underwriting guidelines, they will offer coverage. You could be declined 100 times in the past, and still be approved, if you medically qualify.

No Medical Exam Policies

Another option for Type 1 Diabetes life insurance coverage is to purchase a no medical exam policy, which could be a great option for some type 1 diabetics. These plans are going to give you the life insurance protection that you need, without being required to take the medical exam.

Truthfully, there are not alot of no medical exam options, for people with Type 1 Diabetes. However if you’d like to discuss what options you have available, simply contact us, and speak with an agent. It will be a little tricky to qualify.

If you qualify for a no medical exam policy, here is how companies will determine your eligibility:

  • Results of a Medical Information Bureau review
  • Prescription drug background check
  • Answers to basic health and Diabetes questions
  • Additional lifestyle information provided by your agent

There are several advantages and disadvantages to these plans that you should be aware of when looking to get life insurance.

Advantages of No Medical Exam Policies

One main advantage of policies like these, is they can be approved in a matter of days. For people who need life insurance for a SBA Loan, or Divorce obligation, these policies may be a good fit. If needing coverage in matter of days, this would be your only option.

Another advantage is certain companies don’t ask about A1C readings, and may have more liberal Height and Weight chart. Often times a no medical exam policy could come back at a lower price, compared to a fully underwritten policy.

If you aren’t too fond of a company going thru your medical records, or reviewing your results from blood work, non medical exam policies would be your best bet.

Disadvantages of No Medical Exam Policies

Just like with every other type of life insurance coverage, there are going to be some disadvantages to type 1 diabetic life insurance plans. The biggest pitfall is that they may be more expensive.

With a traditional plan that requires a medical exam, the insurance company gets an idea of what your health is, which means they can calculate how much risk you are to insure. With no medical exam plans, they don’t get that complete picture, which means they are going to take on more risk with the insurance policy. Companies can only collect so much information, using MIB and prescription background checks.

Another disadvantage is that non medical exam policies are not available to everyone. Depending on your age of Diabetes onset, your options may be rather limited. Simply contact us, to discuss your options.

Calculating Your Type 1 Diabetic Life Insurance Needs

There are dozens of different factors that you’ll need to consider when you’re calculating your life insurance needs before you apply for the best life insurance for type 1 diabetics. It’s vital that you get the right amount of coverage for your loved ones, in case something tragic were to happen to you. Not having enough life insurance can leave you family with additional expenses that they don’t have money to pay for.


The first thing that you should look at is any debts or final expenses that your family would be responsible for if you passed away. If something tragic were to happen, your loved ones would have to pay your mortgage payments, student loans, car payments, and much more.

All of those expenses could easily add up to hundreds of thousands of dollars, which can make an emotional taxing situation a thousand times worse.

Annual Salary

The next factor that you should consider is your annual salary. The secondary goal of your life insurance plan is to replace your salary if something tragic were to happen to you, especially if you’re one of the main income earners in your household.

Having a quality diabetes life insurance plan will give your family members the money that they need to pay for any necessary expenses without sacrificing their standard of living. When you’re looking for a life insurance policy, consider buying seven to ten times your annual income as a minimum.

Comparison of Type 1 and Type 2 Diabetes

Type 1 Diabetes
Type 2 Diabetes
Age At Onset
Any Age (Mostly Young)
Mostly in Adults
Body Habitus
Thin or Normal
Often Obese
Usually Present
Endogenous Insulin
Low or Absent
Normal, Decreased or Increased
Concordance in Identical Twins
Less Prevalent
More prevalent - 90 to 95% of US Diabetics

How To Proceed and Determine Final Rates

Due to having Type 1 Diabetes, you will NOT know what final rates and offers you’ll qualify for, until you actually apply for coverage. You’ll need to speak and communicate with an agent, to begin the application process. To begin, simply complete a quote request on this page.

After speaking with an agent, they’ll be able to recommend a non medical exam policy, or a fully underwritten policy. From there, they can begin the application process with you.

Once final offers are determined, your agent will present them to you. At that point you can decide what insurance company, and amount of life insurance to move forward with. When working with Diabetes Life Solutions, you are not locked into any policy or amount while applying for life insurance.

Diabetes Life Solutions was founded to help the Diabetes community with their life insurance needs. We’ve helped thousands of individuals with Type 1 Diabetes secure life insurance. Use our expertise and services to secure the best policy for your family.

So, just because you have type 1 diabetes doesn’t mean you are uninsurable, it just means you just have to work with the right agency, such as Diabetes Life Solutions.. Don’t let your family’s future go unprotected for any longer, take out a life insurance policy today with Diabetes Life Solutions.

If you have any questions about getting type 1 diabetes life insurance, please contact one of our agents today. We would be happy to answer those questions and ensure that you’re getting the best plan to meet your needs at an affordable rate.

Because you never know what’s going to happen tomorrow, you shouldn’t wait any longer to get the life insurance protection that your family deserves. Not having diabetic life insurance is one of the worst mistakes that you could make.

We know that getting life insurance as a type 1 diabetic and be a stressful and difficult process, but it doesn’t have to be. Our agents are here to make the process as quick and simple as possible.

Our agents have years of experience working with type 1 diabetics and can give you the lowest insurance rates for quality policies. When you work with us, you’re only going to receive honest, and accurate information from us. You won’t get the ‘bait and switch’ tactics other agent employ. Call us at 888-629-3064.

Life insurance is the best safety net that you can buy, don’t wait any longer to get the protection that they deserve. Contact us today to receive your free quote for type 1 diabetic life insurance.

Find out how much life insurance with Diabetes Life Solutions costs

I’ve been working with the Diabetes community for over 17 years now.  Over this time frame I’ve helped out thousands of people secure life insurance coverage with Diabetes.  I’ve been featured in Forbes, Entrepreneur, The Simple Dollar, GoBanking Rates, MSN,, and Yahoo Finance.

My objectives are to provide real and accurate information to all our clients, as well as help you find the best possible life insurance policy.