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Diabetics can get life insurance provided their condition is controlled. If it isn’t and they have other health risks like obesity, heart disease, etc., then they can opt for guaranteed life insurance. Diabetics can even get an instant issue policy with no medical exam if they need life insurance for legal purposes or applying for a business loan in a hurry.

Do I need a medical exam?

NOT necessarily.

However, premiums can run 10 – 50 % higher than standard but if you are in a hurry than it’s worth the difference. You will be asked several questions regarding your type, age of diagnosis, control methods, other health issues, and most recent lab results.

Will I have full benefits?

YES

You can get coverage from anywhere between 10,000 to 2 million. Accidental and non-health-related deaths also pay complete coverage amount benefits.

Coverage limit

  • $10,000 – 250,000 with no medical exam
  • $10,000 to 20,000,000 with medical exam

Is it costly?

NOT if you have a professional to assist.

Diabetics are a health risk and you need to look into 100+ companies offering insurance for diabetics. That is where we come in.

Is it costly?

NOT if you have a professional to assist.

Diabetics are a health risk and you need to look into 100+ companies offering insurance for diabetics. That is where we come in.

Types and Policies

Type 1 diabetes:

  • Underwriting is more complicated but it’s possible to get coverage as long as the condition is well-controlled.
  • Health class will be lower,
  • premiums may be higher or coverage limit may be lower

Type-2 diabetes:

  • Can obtain more affordable rates owing to it being more controllable and lower health risk to insurance companies,
  • Underwriting is rather simple.

Gestational diabetes:

  • A temporary condition so companies are not concerned about it.
  • Getting a good price shouldn’t be a problem as long as there are no signs of continuity.
  • However, if the condition continues and becomes type-2, then it’s difficult to get good rates.

How Can United Life Help?

Diabetics often think they have limited choices due to their condition and end up buying overpriced policies that may not even be a good fit. An experienced professional service like United Life can assist in the following ways.

  • Do the customized research for your needs
  • Find your options
  • Get your best possible price
  • Help you apply so that you don’t get rejected