Can Diabetics Get Affordable Life Insurance in 2025?

Living with diabetes presents unique health challenges, but it doesn’t mean you can’t secure affordable life insurance in 2025. Advances in underwriting and a wider range of policy options have made it easier for diabetics to find coverage tailored to their health needs and budget.

This article explains how diabetics can obtain affordable life insurance, what factors affect pricing, and which companies offer the best options this year.

Understanding Diabetes and Life Insurance Underwriting

Life insurance companies evaluate applicants based on the type of diabetes (Type 1 or Type 2), how well it’s controlled, and any related complications. Key underwriting factors include:

• Blood sugar control (HbA1c levels)

• Duration of diabetes diagnosis

• Medication regimen (insulin or oral medications)

• Presence of complications (e.g., neuropathy, kidney issues)

• Overall health, including blood pressure and cholesterol

Good management and stable health significantly improve your chances of getting affordable rates.

Types of Life Insurance Available for Diabetics

1. Term Life Insurance

• Most affordable option

• Coverage for a set period (10, 20, 30 years)

• Best for income replacement and debt coverage

• Requires medical underwriting but some companies offer simplified issue for well-controlled diabetics

2. Simplified Issue Life Insurance

• No medical exam, limited health questions

• Faster approval process

• Premiums higher than fully underwritten policies but still affordable for many diabetics

3. Guaranteed Issue Life Insurance

• No health questions or medical exams

• Guaranteed acceptance regardless of health

• Limited coverage amounts (typically $10,000 to $25,000)

• Usually has a waiting period before full benefits apply

How to Secure Affordable Life Insurance as a Diabetic

• Maintain excellent blood sugar control: Regular doctor visits, medication adherence, and lifestyle improvements help lower premiums.

• Prepare medical records: Providing detailed health information can speed up underwriting and improve offers.

• Apply with specialized insurers: Some companies have better underwriting for diabetics and offer competitive rates.

• Consider term life policies: They often provide the best value for coverage needs.

• Work with an independent agent: They can shop multiple insurers and find plans tailored to your condition.

Top Life Insurance Companies Offering Affordable Rates for Diabetics in 2025

What to Expect in Terms of Cost

Premiums vary based on age, diabetes type, control, and policy amount. For example, a healthy 30-year-old with well-managed Type 2 diabetes might pay about 2 to 3 times the rate of a non-diabetic peer for a $250,000 term life policy.

Final Thoughts

Diabetics can absolutely get affordable life insurance in 2025, especially if their condition is well-managed. By understanding your options, maintaining good health, and working with knowledgeable agents or insurers, you can secure coverage that fits your needs and budget.

Don’t delay—start researching today to lock in better rates while you’re young and healthy.

Frequently Asked Questions

Q1: Can I get life insurance if I’m insulin-dependent?
Yes, but premiums may be higher depending on your overall health and management.

Q2: Will my diabetes affect the coverage amount I can get?
Some policies may limit coverage or increase premiums, but many offer substantial coverage for well-managed diabetes.

Q3: Are there any special programs for diabetics?
Some insurers offer wellness incentives for maintaining good health, which can lower premiums.