Life Insurance Options for People with Type 1 Diabetes

Yes, someone with type 1 diabetes can obtain life insurance, though premiums and policy options are influenced by how well the condition is managed, the individual's overall health, and the insurer's underwriting guidelines.

How Diabetes Affects Underwriting

Insurers assess risk by reviewing medical records, recent A1C levels, any diabetes‑related complications, and the presence of other health conditions. Well‑controlled diabetes with recent A1C readings below 7 % typically places applicants in a lower‑risk category, resulting in more affordable rates. Conversely, a history of complications such as kidney disease, heart disease, or frequent hypoglycemic episodes can lead to higher premiums or limited coverage options.

Types of Policies Available

People with type 1 diabetes can choose from term, whole, and universal life policies. Term life is often the most affordable and is favored when the primary goal is income replacement for a set period. Whole and universal policies provide lifelong coverage and cash value accumulation, but they generally cost more, especially for higher‑risk applicants.

Factors That Influence Premiums

• Age at application – younger applicants usually receive better rates.
• Duration of diabetes – longer diagnosis may raise perceived risk.
• Control of blood sugar – recent A1C results are a key metric.
• Complications – presence of neuropathy, retinopathy, or cardiovascular disease can increase costs.
• Lifestyle – non‑smoking status, BMI, and exercise habits affect underwriting.

Tips for Securing Better Rates

Maintain consistent medical care and keep A1C levels within target ranges. Gather recent lab reports and a summary of any complications (or lack thereof) before applying. Consider working with an insurance broker who specializes in high‑risk or medically‑underwritten policies, as they can match you with carriers that offer competitive terms for diabetics.

When Coverage Might Be Denied

Denial is rare if the applicant demonstrates stable management, but insurers may reject applications if there are uncontrolled blood sugars, recent hospitalizations for diabetic emergencies, or multiple serious complications. In such cases, applying for a graded or simplified issue policy—though with lower face amounts—can still provide some protection.