Life Insurance for Individuals with Controlled Diabetes
- Philippe Deray
- Nov 17
- 2 min read
Diabetes, particularly Type 2 diabetes, is a prevalent condition that can impact life expectancy and health outcomes. With proper management, individuals with diabetes can still qualify for life insurance, though the path may require careful planning and documentation.
Understanding Controlled Diabetes
Controlled diabetes means that blood sugar levels are kept within target ranges through medication, lifestyle management, diet, and monitoring. For Type 2 diabetes, oral medications, insulin, and dietary adjustments are commonly used to maintain glucose control. Some individuals with Type 1 diabetes may also achieve good management with insulin and careful monitoring, though underwriting can be more stringent for Type 1.
Underwriting Considerations
Life insurers evaluate diabetes by looking at the type, duration, complications, and recent lab results. Key factors include:
Hemoglobin A1c levels (a measure of long-term blood sugar control)
Fasting glucose levels
Medication adherence and dosage
Presence or absence of diabetes-related complications (kidney disease, neuropathy, retinopathy)
Insurers typically require medical records and may request additional testing to assess risk. Those with well-controlled Type 2 diabetes may qualify for preferred or standard rates, but Type 1 applicants often face stricter underwriting.
Strategies for Improving Insurability
Applicants with controlled diabetes can improve their prospects by demonstrating consistent management and overall health:
Maintain target HbA1c levels (generally below 7% for many carriers)
Attend regular checkups and screenings
Maintain a healthy weight and exercise regularly
Avoid tobacco use and excessive alcohol consumption
Keep thorough medical records for review during the underwriting process
Important Note: No Guarantee of Approval
Even with excellent control, life insurance approval is not guaranteed. Each insurer evaluates risk differently, and premiums may vary based on the degree of control and the presence of complications. Applicants should explore multiple carriers to find the most favorable options.
Conclusion
Controlled diabetes does not prevent individuals from obtaining life insurance, but preparation and transparency are crucial. By actively managing health, keeping detailed medical records, and working with knowledgeable insurance professionals, applicants can improve their chances of securing coverage and reasonable premiums.
Life Insurance Disclaimer
Disclaimer: This article is for informational purposes only and is not legal, financial, or insurance advice. Life insurance needs and products vary by individual, state, and insurer. Policies may involve fees, costs, and limitations. Some policies include a cash value component that can grow over time, and certain strategies may allow for accumulation beyond basic protection. Results are not guaranteed and may vary by policy, insurer, and state. Consult a licensed insurance professional before making any life insurance decisions.
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