Can You Get Life Insurance with Diabetes?

Want to find burial insurance for someone with diabetes?  The truth is that diabetics mostly pay the same as non-diabetics. 

There are cases where a diabetic might pay more- it depends on a few things about the diagnosis. Read what they are.

Doctor's Appointment

Want to know what someone with diabetes will pay for burial insurance?

See below for real quotes and how to find the best plan for you.


What Is Final Expense Life Insurance Exactly?

Insurance Agent

Final Expense insurance aka burial or funeral insurance is a whole life insurance policy with a smaller death benefit, and is easier for you to get approved for, than traditional whole life insurance.

The policies pay out the benefit money to your beneficiary typically within 48 hours which makes them ideal for funeral, burial, cremation, and end of life expenses.

The price of the policies are locked-in for life and never increase, the benefit money will always be there as long as the premiums are paid, and you can never be dropped due to health conditions.

They're also 'Simplified Issue' meaning you don't have to undergo a medical or physical exam to be approved for the policy.

How Does Diabetes Affect Getting Burial Insurance?


First off, getting a life insurance policy with diabetes is very possible, however, the type of policy you can get depends on the following factors:

  • A1C Management

  • Age of Diagnosis

  • Smoking Status

  • Amount of Insulin Use

  • Diabetic Complications

A1C Management

The question on most applications for burial insurance is, "Within the last 2 years, have you had uncontrolled diabetes?"  As long as you've controlled your A1C for the last 2 years, you are still eligible for Preferred pricing. *As long as you qualify based on all other questions.

Age of Diagnosis

All life insurance companies have different criteria on the age a person developed diabetes and can still get coverage with them.

Smoking Status

A non-smoking or smoking diabetic that hasn't experienced any diabetic complications can get Preferred pricing, no problem.  However, some companies are touchy when it comes to smokers that also have had diabetic complications and won't insure them.

Amount of Insulin Use

While there are some companies that don't accept insulin usage above 50 units, there are lots of companies that do. 

Diabetic Complications

but there's also diabetic coma and insulin shock.

If you've had diabetic coma or insulin shock, the question on the application will only pertain to the last two (2) years.  

Neuropathy, retinopathy, and nephropathy are typically permanent, so the question will be if you've ever had an occurrence. If you've had one of the conditions, the good news is that you may still qualify for Preferred pricing.


As you can see, when it comes to diabetes there are a lot of factors that will determine the right company for a diabetic.

The best way to navigate through all of these considerations is to use an insurance broker, like AffinityQuotes, that can use their access to multiple carriers to place you with the perfect carrier based on your specific needs and situation.

The Underwriting Difference From Type 1 to Type 2

Image by Mykenzie Johnson

If you're planning on applying for life insurance, and you have diabetes, be prepared to answer several questions about it. Whether you’ve been newly diagnosed, have been fighting against type 1 or type 2 diabetes for a while, know that you have options to get life insurance and possibly not pay more than if you didn't have the condition.

Type 1

Here’s what you need to know about type 1 diabetes and life insurance. As most know, in type 1, the body does not produce insulin. The body breaks down the carbohydrates you eat into blood sugar that it uses for energy. Insulin is a hormone the body needs to get glucose from the bloodstream into your cells.


Insurance companies know that type 1 diabetes can be managed.

The indicators that someone has been successfully managing their condition is having a controlled A1C, maintaining healthy height/weight standards, and not having diabetic complications. If you pass these indicators, then you can still receive Preferred pricing.

Type 2

According to the American Diabetes Association, the most common form of diabetes is Type 2. Type 2 basically means that your body doesn't use insulin properly.  Some people can control their blood sugar levels with healthy eating and exercise while others may need medication or insulin to help manage it.


Like Type 1, insurance companies know that type 2 diabetes can be managed, and they also want to see it's being managed properly. An indicator someone is successfully controlling their Type 2 diabetes is the use of prescribed medications, such as Alogliptin or Metformin, etc. If you're able to show you've been successful at maintaining your blood sugar levels, then you can still received Preferred pricing.

Get Life Insurance As A Diabetic After A Decline

 Young Woman Contemplating

Have you been declined for insurance for having diabetes? The number one reason diabetics are turned down for coverage is because they just simply applied to the wrong carrier. 

The truth is that all insurance carriers have different criteria on what they will and won't accept, and the good news is there are plenty of life insurance carriers that will accept all sorts of conditions including diabetic neuropathy!

A lot of people with diabetes also think that their insurance rates are going to be higher than non-diabetics, and that's simply not true. Life insurance companies just want to see that the diabetes is being managed successfully in order to get the same rates.

The secret to getting life insurance coverage with diabetes is using an agency, like AffinityQuotes, that knows the underwriting standards for multiple insurance carriers.

Best Companies For Affordable Life Insurance For Diabetics


When it comes to higher risk conditions like Diabetes, Affinity Quotes is here to help. And there's no such thing as a singular carrier that offers the best rates for diabetics. It takes a person with knowledge about the underwriting criteria of multiple carriers to find the one that's a perfect fit for you and your conditions.

With that said, these are whole life insurance carries that are more favorable to diabetics than others:

American National Insurance Co.


Royal Neighbors of America

Trinity Life / Family Benefit Life Insurance Co.

How Can AffinityQuotes Assist You?

If you're looking for a life insurance policy, we will help determine if you need a Level, Graded, or Guaranteed Issue policy and then find the BEST insurance carrier for you.

Here’s why we believe that…

We're an independent agency representing many different insurance carriers. We're not obligated to any one carrier which gives us the freedom to shop the best deal for YOU.

AffinityQuotes shops dozens of insurance carriers to find the one that will accept you based on your specific needs.

Call 855-400-7766 to see what a licensed AQ agent can do for you.

We'll happily answer your questions for you at no-cost.