No Exam Life Insurance For Diabetics in 2023

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

Life insurance is one of the most important investments that you’ll ever make for your loved ones. It’s one of the best ways to ensure that your family is taken care of, regardless of what happens to you. However you may be searching for or need no exam life insurance for diabetes because you were denied coverage. We understand that trying to find the perfect life insurance policy can be a long and difficult process, especially if you’re a diabetic.

no exam life insurance for diabetics
No Exam Life Insurance for Diabetics

Oftentimes, finding life insurance for those who have certain types of health issues is not easy. In fact, depending on the severity of the condition, being declined for coverage can be common with traditionally underwritten policies.

Yet, if you have diabetes and you’ve been turned down for coverage in the past, it doesn’t mean that you still can’t obtain the life insurance protection that you need.

Can I get life insurance if I have diabetes? Many people have this question and there is no age bar to it. From young childer to extremely old people, everyone is eligible to get life insurance.

Getting life insurance leaves a major impact on people who are dealing with diabetics. Both diabetics type 1 and diabetics type 2 insurance policies are limited at certain companies. Usually, type 1 diabetics are considered more dangerous than type 2 diabetics, but in the long run, both can turn out to be complicated or expensive to maintain your medical expenses.  The requirement of a medical exam used to be mandatory for availing of life insurance. However, some individuals failed to appear for the medical exam due to a plethora of medicinal issues. But no longer with the no exam life insurance policy.

While life insurance policies that require you to submit to a medical exam may rule you out for coverage, you could find a solution through a no exam life insurance with diabetes policy to help you obtain coverage for diabetes life insurance.

No exam life insurance for diabetics has a major benefit to people suffering from the disease. People who had do not have any policy of life insurance coverage were forced to carry the expenses of their treatment. No exam life insurance policy has opened many doors for such people, especially the ones with poor financial backgrounds.

In fact, a no exam life insurance policy can be a great way for diabetics who have been denied coverage from other sources to obtain the protection that they need, and the peace of mind that their loved ones deserve.

How No Exam Diabetic Life Insurance Works

Just as the name implies, a no medical exam life insurance for diabetics policy will not require an applicant to undergo a medical examination in order to qualify for coverage.

This means that there will be no need to submit a blood and urine sample, or to meet at all with a paramedical professional as a part of the overall application process.

Choosing no exam life insurance holds more importance than you can think of. In case you apply for basic insurance first, while you do not suffer from diabetes complications, your insurance might cover not cover the high-risk benefits. But while you apply for a no exam life insurance without diabetes complications the insurer would still consider you a higher risk due to your having diabetes but your risk would be evaluated based on your medical records.

Although no exam life insurance will not ask for any medical exam, it will still ask to show previous medical records from your doctors to proceed further with the process. The insurer may also ask to fill out a diabetic questionnaire. So while you do not need to go under any exam your insurer will still be able to identify your diabetic conditions to decide which coverage will suit you the best.

Because there is no need to wait for medical exam results, the approval process with this type of coverage can often be much faster than with traditional life insurance, too. Unlike regular policies that can sometimes take weeks to approve, a no medical exam life insurance for diabetes plan could only take a few days – or less – to be approved by the insurance company.

This means that coverage will be locked in right away in most instances.

In addition to providing a way for diabetics and others with health issues that may preclude them from obtaining traditionally underwritten life insurance, no medical exam coverage can also offer those who participate in dangerous hobbies a way to purchase life insurance, as well as those who have a phobia of needles and would prefer not to undergo providing a blood sample.

What Questions You May Be Asked

Depending on the type of plan you apply for, a no medical exam life insurance for type 1 diabetics policy may still require you to answer a medical questionnaire. Therefore, in certain cases it is likely that there will be some questions that are asked regarding your diabetic chronic disease. Some of these questions may include the following:

  • When were you initially diagnosed with diabetes?
  • What type of diabetes do you have (Type 1 or Type 2)?
  • What are your average glucose / blood sugar readings?
  • What, if any, medications have you been prescribed for your condition?
  • Do you possess any additional health or risk factors?

You may also be required to fill out an application for coverage. Here, you will need to provide information such as your age, gender, marital status, smoking status and / or tobacco usage, alcohol usage, occupation and income (if applicable), overall health and medical history, and family health history.

The benefits that are paid on a no medical exam policy may differ, too, so it is important to have a good understanding of how these work. For example, with some policies, the insured must have been covered under the policy for at least a certain amount of time – such as two years – in order for the full death benefit to be paid out.

Otherwise, should the insured pass away within this initial time period, the policy beneficiary will only receive a refund of the policy’s premiums.

When you apply for a no exam life insurance policy you must answer all the questions properly. Any mismatch of the information can cause rejection or cancellation of your application or in case you pass away, your family may be denied to claim your insurance.

Who Can Apply For Life Diabetes Insurance?

As diabetes has become a more prominent health condition in the United States, the best insurance companies for diabetes have learned to rate diabetics more effectively. This means that the policies that do not require a physical exam are much more lenient than they were just a few years ago. You can get approved for a policy if you are:

How Much Does A Policy Cost?

While it may not be as difficult to qualify for a no medical exam life insurance policy for diabetics, there is a trade off in that these policies will be more costly than a traditionally underwritten policy.

The biggest reason for this is because the life insurance company is taking on a much greater risk in that the applicants for no medical exam policies are typically in poorer health.

With this in mind, it is oftentimes a good idea to ensure that you will not qualify for a traditional life insurance policy first, and to consider the no medical exam plan as a policy of last resort.

Life insurance costs can be affected by diabetic conditions. It is better to contact the insurer and understand different types of insurance coverage and costs before making any decision. It is advisable to think deep and take every risk possibility into consideration. In addition, people with diabetes must switch to suitable lifestyle changes in order to expand their insurance options and lower rates.

What Types Of Policies Are Available?

The options for no medical exam diabetes life insurance policies available to diabetics are pretty extensive. Both term life and permanent policies can be purchased with no examination. These policies can be for a face value of $5,000 to $400,000 dollars.

There are also riders available for living benefits, which pay out if you have a critical illness with life expectancy of less than 12 months, and for return of premium, meaning you receive all your premium payment back if you were to not pass away within the term of the policy.

To determine which of these options are available to you, it is necessary to go through a pre-qualification with one of our agents. Once we have the information we need, we can give you exact details of all your life insurance options.

How Much Life Insurance Do You Need?

It’s important that you calculate your life insurance needs before you apply for any coverage. Not having enough life insurance could leave your family with more debts than they have the money to cover. There are several different factors that are going to go into calculating your life insurance needs.

The first thing that you should look at is any debts or final expenses that your loved ones would be responsible for if you were to pass away. The primary goal of your life insurance is to give your family the money that they need to pay off any bills that you would leave behind.

Make sure to add up your mortgage, funeral costs, car payments, and any other unpaid expenses. It can quickly add up to thousands and thousands of dollars, which can make an already difficult situation a thousand times worse.

The next thing that you should consider is your annual salary. The secondary purpose of your life insurance is to replace your paycheck if something tragic were to happen to you. If you’re one of the primary income earners in your household, your family would struggle financially if you were to pass away unexpectedly.

Certainly, there is a limit to life insurance without an exam. You need to check with your insurer to find out about the coverage expense that you can get based on your medical conditions. Also, it depends on the type of policy that you purchase. Different companies have different policies and coverage, contact a few and check which one you qualify for, and which suits you the best.

With a proper life insurance policy in place, they have the money that they need to pay for necessary expenses without having to sacrifice their standard of living.

Where To Find No Exam Life Insurance For Diabetics

When searching for no exam life insurance for diabetes, we can help. We work with many of the top-rated no exam life insurance with diabetes based companies in the nation, and we can help you find the policy that will work best for you and your specific needs.

Prior to purchasing any type of life insurance, it is important to compare coverage and premium costs, and we can assist you in doing so – all directly from your computer. Just as in shopping for anything else, it is important to ensure that you are purchasing the right product for you.

With that in mind, use the form on this page to get the process started.

Should you have any questions regarding how no exam life insurance for type 1 diabetics works, how to obtain additional premium information, or even about life insurance in general, please feel free to contact us directly via phone. We can help you clear all your doubts regarding no exam life insurance for type 2 diabetics. 

Our experts can help to answer any question or concern that you may have related to no medical exam life insurance for type 2 diabetics. You can call us toll-free at 800-470-4122.

Buying life insurance can make a big difference to those whom you love, so you want to make sure you’re prepared for the unexpected. In doing so, we are here to help.

You never know what’s going to happen tomorrow, which means that you shouldn’t wait another day to get an insurance policy for your family members.

Not having life insurance for diabetics is one of the worst things that you can do for your loved ones. Contact us today to get the process underway.


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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