Life Insurance Solutions for Diabetics
ultra Competitive Life Insurance offers for your diabetic applicants
Underwriting for diabetic clients has evolved—dramatically. While some carriers still default to declines or heavy ratings, others are rewriting the playbook with surprisingly competitive offers. One top-tier insurer now considers Type 1 diabetics diagnosed as early as age 1. That’s not a typo—it’s a turning point. Let’s explore what’s possible, get your clients covered, and you paid.
What’s New in Diabetic Underwriting
- Type 1 diabetics diagnosed as early as age 1 now qualify for life insurance at a top-rated brand name life insurer.
- Type 2 diabetics diagnosed as adults increasingly qualify for standard – sometimes preferred – life insurance premiums.
- Have you had difficulty qualifying your diabetic applicant for life insurance? Let’s take another look!
Meet Jennifer, F, 52, Type 1 Diabetic, Diagnosed at Age 2
- Needs $2M 30-year level term life insurance
- A1c readings have been around 6.5 in recent years
- Good build, exercises 5x per week, with diabetic checkups twice per year.
- Best offer: Table 2
Meet John, M, 38, Type 1 Diabetic, Diagnosed at Age 11
- Needs $1M 25-year level term life insurance
- A1c readings in the recent past have hovered around 7
- Good build, no complications from the diabetes
- Best offer: Table 4
Meet Kayla, F, 23, Type 1 Diabetic, Diagnosed at Age 12
- Needs $1M permanent life insurance
- Less than ideal diabetic control, with A1c readings in the high 7s to 8.1
- Build 5’8″ 163lb, stable
- Best offer: Table 4
Meet Bob, M, 65, Type 2 Diabetic, Diagnosed at Age 60
- Needs $3M permanent life insurance
- Controls his diabetes with diet, exercise, and metformin
- A1c readings have been it he high 6s
- Bob also takes meds to control blood pressure, cholesterol, and acid reflux
- Best offer: Preferred
Let’s Get Your Clients Covered and You Paid!
We don’t guess—we negotiate. Our underwriters gather key data points before formal applications. They then shop the market, engage carrier medical directors, and deliver our industry’s best offers. You get the win, your client gets coverage, and everyone moves forward.
