Life Insurance Rates 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 November 30, 2023

People who have Diabetes, whether that be Type 1 Diabetes or Type 2 Diabetes, often feel like they are at their wit’s end as they are shopping around for life insurance. While life insurance is not the cheeriest of topics, and not something that the average person wants to discuss at the dinner table, it is certainly something that is extremely important to have in place to protect your family in case something happens to you.

Don’t Get Discouraged

Of course, having diabetes can complicate things since insurance companies are notorious for jacking up their rates for atypical medical conditions, no matter how small. Since Diabetes can be quite serious for most people who have it, it is no wonder people with Diabetes get discouraged when shopping around for life insurance.

We can help you find the best life insurance rates for diabetics.

The main reason that is causing them distress, are the high life insurance rates for Diabetics. On one hand, you are trying to do something to protect your family financially in the future, only to find out that this sort of protection comes at a premium.

To Insure or Not To Insure

It puts lots of Diabetics in a very tough position – do they suck it up and get an expensive life insurance plan or just power through without it and hope that nothing happens to them until they have been able to put enough money away for their family?

In our opinion, the answer is neither. There are options out there for getting good life insurance rates for Diabetics, one just has to look around for the opportunities. Surprisingly, one of the cheapest ways to obtain life insurance with Diabetes is to not go at it alone but to use the help of an agent.

We know most people tend to view an agent as a bad word and think it automatically means higher rates for them, but this is one instance where it is not the case.

Experienced Agents Can Provide Cheaper Rates

The reason being, when you work with an agent, they will conduct an interview with you to get a better handle on your condition. They will ask you questions about your condition and also advise you on the best ways to answer.

These agents will NOT help you to lie about your condition, but they can help you to answer in a way that is truthful but does not raise any of the red flags that most insurance companies are on the lookout for when they are going through their underwriting process.  In other words, we help you get the best rates on life insurance for diabetics.

We also work with you to find the plan that best matches up with your needs.  So whether a no exam life insurance for diabetics policy or some other plan works best for you needs you will know that you have seen all options and are making the best decision.

Furthermore, when you work with an agent, they have access to all of the top life insurance agencies in your area. Since every life insurance company has a different way of assessing risk, they can shop your information around to only the ones which they know are able to offer lower rates to people with your particular condition.

This alone is especially useful, as if you were to try and contact all of those companies on your own, individually, it could easily eat up a month of your life, that you could be spending doing something more enjoyable. Just remember, if you are Diabetic, it shouldn’t ever disqualify you from obtaining life insurance.

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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