Can I get life insurance with diabetes?

The two biggest factors are your A1C level and whether diabetes is well controlled. Lower A1C readings generally mean better rates, and many carriers want to see a few years of consistent readings rather than a recent diagnosis.

Insurers also consider your age at diagnosis, whether you use insulin, and any complications such as kidney, nerve, or eye problems. Uncomplicated, well-managed diabetes is far easier to insure than diabetes with advanced complications.

Term life is available and usually the most affordable route for someone with well-controlled diabetes. Whole life and no-exam policies also exist, though no-exam coverage often comes with lower face amounts or higher rates because the insurer skips lab work.

You may need a slightly higher premium than a healthy applicant, but denial is rarely the only outcome. Carriers vary a lot, so comparing multiple companies is important.

Keep your A1C in a good range, follow your care plan, and be consistent with appointments and medication. Working with an independent agent who knows which carriers are diabetes-friendly can save you from wasted applications.