Skip to content

Life Insurance Underwriting Solutions for Diabetics

Competitive Life Insurance for Diabetics

Type 1 Diabetics diagnosed as very young children can now often qualify for life insurance at pricing just above standard rates.

Mature Type 2 diabetics with good control increasingly qualify for standard – sometimes preferred – life insurance rates.

Have you had difficulty qualifying a diabetic applicant for life insurance?  Let’s take another look!

Let's connect to strategize on behalf of your diabetic clients!

Attractive young woman uses a computer to develop effective prospecting messages

Meet Jennifer

Jennifer, F, 52, dentist, needs $2M 30 year level term life insurance Jennifer, F, 52, dentist, needs $2M 30 year level term life insurance
Type 1 diabetic diagnosed at age 2 - 50 years ago! Type 1 diabetic diagnosed at age 2 - 50 years ago!
A1c readings have been around 6.5 in recent years A1c readings have been around 6.5 in recent years
Good build, exercises regularly, two diabetic checkups per year Good build, exercises regularly, two diabetic checkups per year
Offer from highly rated brand name life insurer: Table 2 (50% above standard rates) Offer from highly rated brand name life insurer: Table 2 (50% above standard rates)

Meet John

Hunter, M, 28, needs $1M 25 year level term insurance Hunter, M, 28, needs $1M 25 year level term insurance
Type 1 diabetic diagnosed at age 11 Type 1 diabetic diagnosed at age 11
A1c readings around 7 A1c readings around 7
Good build, no complications Good build, no complications
Life insurance offer from top rated carrier: Table 4 Life insurance offer from top rated carrier: Table 4
Happy couple outdoor
Smiling woman portrait

Meet Kayla

Kayla, F, 23, needs $1M permanent life insurance Kayla, F, 23, needs $1M permanent life insurance
Diagnosed with Type 1 diabetes at age 12surance Diagnosed with Type 1 diabetes at age 12surance
Recent A1cs in high 7s to 8.1 Recent A1cs in high 7s to 8.1
Build 5'8 Build 5'8" 163lb, stable
Highly rated brand name insurer offered Table 4 Highly rated brand name insurer offered Table 4

Meet Bob

Bob, M, 65, looking for $3M permanent insurance Bob, M, 65, looking for $3M permanent insurance
Diagnosed with Type 2 diabetes 5 years ago Diagnosed with Type 2 diabetes 5 years ago
Controls his diabetes with exercise, diet, and metformin Controls his diabetes with exercise, diet, and metformin
A1c readings have been just under 7, consistently A1c readings have been just under 7, consistently
Takes meds to control blood pressure, cholesterol, and acid reflux Takes meds to control blood pressure, cholesterol, and acid reflux
Top rated insurer offed preferred non-tobacco premiums Top rated insurer offed preferred non-tobacco premiums
Portrait of a handsome CEO smiling

You & Your Clients Can Benefit – Starting Today!

Several highly rated brand name life insurers have developed specialized expertise in underwriting applicants with diabetes. Unfortunately, there is no one best insurer for all applicants.  Carrier selection is key!

The smartest way to underwrite diabetic applicants requires the gathering of a few key variables in advance of a formal application.  Our underwriters will use that information to negotiate best possible underwriting assessment from our industry’s leading insurers that want to place coverage on diabetics and offer aggressive pricing.

When you are working with diabetic clients who need life insurance, let survey the market, identify our industry’s top options, and then make it super easy for you to place coverage with minimal effort on your part.  Begin to experience The CPS Advantage today!

Let's connect to strategize on behalf of your diabetic clients!

CPI Companies - Logo

CA Corp. Insurance License: 0E02059

Contact us

 Mailing & Overnight Address

CPS Advantage
6444 E. Spring Street #287
Long Beach, CA 90815

Follow us