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Quick Tip: Choose "Regular" health class and view rates on the next screen. Look for "Sagicor" if you want "No Exam" life insurance. This is only if you're a well controlled Type 2 diabetic diagnosed over age 40. Otherwise, please read the entire article to secure the best life insurance rates for those with diabetes.

BIG Opportunity for Diabetics: There's a company offering $10,000 – $100,000 of coverage guaranteed level premiums to age 100 with no exam and INSTANT APPROVAL. "A" Rated carrier and limited distribution (you won't find this quoted elsewhere). All diabetics are approved unless you've been declined for coverage in the past or have any other serious health complications. We can also help you with other insurance needs too such as seeking quotes for high risk life insurance or life insurance for your parents. Call us and ask for rates.

With that said, we know the journey of securing cheap life insurance for diabetics can be frustrating. We'll make it easy if you give us a few minutes of your time. There's an increasing amount of life insurance companies looking more favorably at diabetes, including the carriers that offer no medical exam life insurance policies.

We represent over 60 of the nation's top rated life insurance companies and know how each one views life insurance for diabetics (both type 1 and type 2). In this article, we'll show you how to secure the best life insurance rates with a medical exam. Then we'll show you some options that don't require a medical exam.

Before we discuss the different options available for the best life insurance for diabetics, we should answer a question many customers have, "what exactly does the medical exam consist of?" The medical exam for an insurance policy is simple. The insurance company will have a nurse or paramedic come to your house to perform a few basic medical tests like draw blood and take a urine sample and ask questions to fill out a medication questionnaire.

Life Insurance For Diabetics – With A Medical Exam

In order to secure the best life insurance rates available, you'll have to take a medical exam to qualify and the life insurance company will review the medical records from your physician. (If you want to bypass the medical exam and pay a little more for the convenience, please skip to the next section of this article) It's our job as your life insurance agent to find the most competitive life insurance policy on the market. To successfully do this, we'll need you to provide us with the following:

  • Type 1 or type 2 diabetes?
  • Hemoglobin A1C levels?
  • Age diagnosed?
  • Medications and dosage?
  • Any diabetic complications like neuropathy or kidney issues?
  • Height/weight?
  • Family history?
  • Any other health issues (including cholesterol, high blood pressure or other diseases)?

With this information, we can shop the market and find the lowest rate available for YOUR unique diabetes situation. You have to understand that each life insurance company will look at your diabetes factors differently and it's up to us to find the business that will give you the best rates. The best life insurance rates will be given to those with well-controlled diabetes who were diagnosed later in life. If your diagnosis was recent, life insurance underwriting will typically require 2 or 3 follow up visits to demonstrate control. The more expensive life insurance rates will be given to uncontrolled diabetics. Also to those who don't take their treatment seriously, like smokers and overweight people who don't try to control with diet and exercise. With that said, our agency has seen the following trend:

  • Preferred rates for controlled type 2 diabetics onset over age 60 and controlled with diet and exercise. (we currently know of only one company doing this)
  • Standard rates for controlled diabetics onset after age 50 (if this is you, run an instant quote on our website at Standard rates)
  • A substandard rating will be given to those onset under age 50 or those that aren't under control.
  • As a general rule of thumb, type 1 diabetics will start at a "table 4" substandard rating. If you're not sure what that means, please give us a call and we'll walk you through it.

This might all seem a little confusing. The best advice we can give you is to contact our office and let us provide you with the information you need to make an informed decision.

Finding The Lowest Rates With A Medical Exam

Many diabetics think that life insurance would be too expensive for them to afford. This isn't true. There are a few ways to secure lower rates, even for someone with diabetes.

The best way to receive lower rates for life insurance, especially for type 2 diabetics is to effectively manage your diabetes through a healthy diet and exercise. Controlling your diabetes, lowering your A1C, reaching a healthy body weight and taking less medication can drastically lower your monthly payments. If you don't know what a "healthy body weight is," look at a body mass index chart. These charts have underweight, healthy, and obese, weights for your height. Inside of the healthy range should be your goal for getting better life insurance rates. If you are overweight, you can still get life insurance for overweight people.

Aside from lowering your blood sugar levels, a healthy diet, and regular exercise will improve your overall health and reduce your risk of other health complications like heart attacks, kidney problems, strokes, and much more. Just like with non-diabetics, having a having lower cholesterol and lower blood pressure will mean lower rates.

You should also make sure that you don't have any other high-risk factors that can make your rates skyrocket. Using chewing tobacco or smoking cigarettes is one of the most common risk factors that can cost you thousands of dollars every year in monthly premiums. If you're looking to save money on your diabetic life insurance policy, it's time to quit the tobacco usage. Not to mention that you'll save money by not having to buy cigarettes.

Another simple way that you can save money is by laying off the gas pedal. Many applicants don’t realize it, but your driving record is going to play a role in how much you pay every month for your life insurance. If you have several speeding tickets in the last six months to a year, it’s going to cause your premiums to go through the roof. If you want to save money on your life insurance coverage, it’s time to cure your lead foot and take a little longer to get to work every morning. Not only will it save you money on your premiums, but you will also save money by not having to pay those speeding tickets.

Life Insurance For Diabetics - Without A Medical Exam

If you call any other of the “call center” life insurance agencies, they will all tell you that the only way to get life insurance with no medical exam with diabetes would be to buy a “graded death benefit” policy which is expensive and has a 2 year waiting period. They are 100% wrong.

Truth is, they don’t offer the companies that will take your risk with no medical exam…but WE DO!

There are several life insurance companies writing life insurance for both Type 1 and Type 2 diabetics with no exam required. Both term and whole life.

Lets break it down by life insurance for Type 2 diabetics and then Type 1 diabetics.

Type 2 Diabetics And No Medical Exam Life Insurance

Life insurance with no medical exam is going to be more expensive than any insurance policy that does require a health physical. But if your type 2 diabetes is advanced, you are in poor health or don't think you can qualify for a traditional policy, then a no exam policy will work perfectly for you. Even with a no exam life insurance policy, you can still find an affordable policy that won't break your bank account. Fortunately, there are several different options for you to choose from.


sagicor life insurance for type 2 diabetics

Best For: Type 2 Diabetics

Highlights: Electronic Application, Quick Decisions

americo life insurance for type 2 diabetics

Best For: Type 2 Diabetics

Sagicor will offer 10, 15 and 20 year term life insurance polices for Type 2 diabetics all the way up to $399,000 of coverage if you’re between the ages of 18-65. You have to be diagnosed over age 40 and you can't be using any injectable insulin. Metformin and other oral pills are ok. You can’t have any diabetic complications and your a1c levels need to be under control. You'll qualify for their "rated" rates.

The great thing about Sagicor is they have an electronic application and in most situations, we'll get an immediate decision. If not, we'll know within 24 hours. Sagicor hands down has the best no medical exam life insurance for diabetics if you can qualify.

Americo Life Insurance has a diabetic life insurance questionnaire you’ll have to fill out with their term application. It will take around two weeks to get a decision, but we’re seeing diabetics secure life insurance with them easily.

For a no medical exam life insurance quote with Americo, factoring in your diabetes, please fill out our quote request form or call us.


Also available for Type 2 diabetes are small whole life policies for up to $50,000 of coverage. Coverage is guaranteed level for the rest of your life with no medical exam required. As long as there are no other underlying health issues, you’ll qualify just fine. There are several carriers on the market to choose from. We’ll find you the best priced policy.

Type 1 Diabetics and No Medical Exam Life Insurance

We are going to be honest with you, life insurance for type 1 diabetics is going to be a little trickier than with type 2 diabetics. Because there is still no cure for type 1 diabetics, look at the condition unfavorable, meaning that you're typically going to face higher rates. But don't be scared, even with type 1 diabetes, we can still find the perfect life insurance plan for you.


american national life insurance for type 1 diabetics

Best For: Type 1 Diabetics

Highlights: Up to $250,000 of Coverage

united home life insurance for type 1 diabetics

Best For: Type 1 Diabetics

Highlights: No Underwriter Review

Our United Home Review

There are 2 companies that are offering no exam life insurance for diabetics: ANICO and United Home Life.

With ANICO (American National), you can secure up to $250,000 of coverage with no medical exam on a 10, 15, 20 or 30 year term. HOWEVER, they will review your medical records and the process will take 4-6 weeks on average. They have an e-signature application so there's no paperwork involved as well.

If you want something quicker and without an underwriter reviewing and requesting your medical records, you can get a 20 year TERM life insurance policy with United Home Life as long as you don’t have any other major health issues. You have to be between the ages of 20-60 and can get up to $50,000 on a 20 year term.

For diabetic life insurance quotes with United Home Life or ANICO, please complete our quote request form or call us and we’ll be happy to give those to you.


Whole life insurance is also available with no medical exam for up to $50,000 of coverage. As long as there are no other major health issues, we'll find you "first-day" coverage. Other agents offer coverage with a 2-year waiting period, so we want to clarify there is no waiting period for this policy. Meaning coverage that starts as soon as you make your first premium payment. You will have coverage for as long as you pay the monthly premiums on the plan. The life insurance companies that are writing these policies are all "A" rated companies or better and aren't offered by the majority of life insurance agencies out there.

Graded death benefit:

Earlier I mentioned that most diabetics think they are only eligible for a graded death benefit policy while in most cases this isn't true, you should still understand these policies.

These policies work just like other policies except for the waiting period before the policy becomes effective. Most graded death policies have a two-year period after you purchase the plan before it's actually is effective. Meaning that if you were to die in the first two years after you buy the policy, your family would not receive the face value of the policy. Some companies will refund any premiums that have been paid on the policy, but that is usually the only money you or your family would receive from the policy. Not to mention that these policies are usually more expensive.

Bottom Line

Searching for life insurance is never an easy task, even for someone without diabetes, but for someone with diabetes, it's extra difficult. Instead of having to call dozens of insurance companies, let us do the work for you. We can save you hours on the phone and tons of frustrations of having to repeat the same questions with every company. Make the life insurance search easier by letting us do it for you.

Our agency can offer any life insurance company on the market. This puts us in a position to come across these great opportunities for the growing population of diabetics. Just remember, you don't have to take a medical exam to qualify for life insurance with diabetes IF your diabetes is under control. Don't let anyone tell you otherwise. If you're diabetic and interested in receiving no medical exam life insurance quotes, please call us or fill out our quote request form and we'll call you to go over your options.

We know that buying life insurance is not a fun experience. It can be long and complicated. Nobody wants to think about his or her own death, but not planning for the inevitable is one of the worst things that you can do for your loved ones. If something tragic were to happen to you, your family would be left with a massive amount of debt and other final expenses. That’s where your life insurance coverage comes in, it will give them the money that they need. Losing a loved one is never going to be easy, but being responsible for hundreds of thousands of debt is going to make the situation that much worse.

If you have any questions about getting life insurance coverage without a medical exam, please contact one of our agents today. We would be happy to answer those questions and ensure that you’re getting the best life insurance possible.

Even if you’ve ever been denied life insurance coverage because of your diabetes diagnosis or you’ve been told that you’ll have to pay a fortune for life insurance coverage, don’t believe it. There are several affordable life insurance options that you can choose between. Don’t wait any longer to get the insurance protection that your family deserves.

About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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richard kohler

looking for affordable term life for diabetics thank you

March 15, 2013 at 11:51 am


October 8, 2014 at 8:48 pm
    Jeff Root

    Hi Evelyn – I responded via email with your options.

    October 9, 2014 at 6:37 pm

Hi, im si lost in this journey. My mother born in 52 was diagnosed when I was maybe 11 im 32 now. She has glaucoma as well as some other issues. Resently she was moved to a nursing home for rehabilitation after a motir vehicle accident, where she was struck as a pedestrian leaving her with a broken ankle, sadly on the 22nd of Oct. My father passed away, only then did I learn he had NOTHING at all. The cost for the cremation is still due. I could not even afford a service only an identification of body. I absolutely can not have this happen again.I very unfamiliar with death and to be honest never experienced it before. Id like to purchase or take out the best insurance for my mother, that I can afford. I have siblings but I want to make sure my child who is now 17 can attend a respectable service whe n the time comes as she was there his entire life, I just want the security of knowing no matterwhat It will be ok

October 27, 2014 at 4:47 pm
    Jeff Root

    Very sorry to hear about your father. We can absolutely help you insure your mother (within your budget). Just give us a call at 888-430-7668. Thanks for reaching out.

    October 27, 2014 at 10:11 pm
Tim Galloway

Mr. Rootin, I just recently made 56 years of age, I am a diabetic on lantus pin an metformin , glipizide i was diagnosed when I was 52 I eat properly I exercise and I have a wife and too kids, I look good body wise for 56 would love to purchase life insurance so my wife does not have to worry about expenses upon my death. I know it will cost me pretty penny but I’m willing to pay, looking for 250,000 to 350,000 worth of coverage can you please help me.

Sincere Thanks

November 9, 2014 at 9:52 pm
Jeff Root

Hi Tim,

We’ve sent you an email. Please give us a call and we’ll provide you with the best options for your situation. Thanks for reaching out.

November 10, 2014 at 9:53 am

Husband 65 controlled diabetic for 10 yes has high blood pressure. And high.colerstal under control. But. Weight is . 290 takes met forming cm he by life ins

August 7, 2015 at 7:38 pm
    Jeff Root

    He is 100% insurable – even with no exam. Please give us a call and we’ll give you all his options. 888-430-7668

    November 16, 2015 at 1:44 pm

Can you help me with life insurance for type 2 diabetic, dx eight years ago A1C 7 controlled

October 3, 2015 at 1:49 pm
    Jeff Root

    Absolutely. Will need some more information. Please call us at 888-430-7668.

    November 16, 2015 at 12:13 pm
angie madison

Hello Mr. Root, I Would need help to fine the right life insurance for my husband he diabetic.

October 8, 2015 at 7:58 pm
    Jeff Root

    Hi Angie,

    Give us a call at 888-430-7668. We’d be happy to help you find the right policy.

    November 16, 2015 at 12:11 pm

Hello, I am looking for term life insurance for my 78 year old father who is type 2 diabetic. Could he possibly qualify for a $150,000 – $200,000 policy?

July 3, 2016 at 4:28 am
    Jeff Root

    Sergio, yes she can if her diabetes is under control. It will require a medical exam though. Give us a call and we’ll go over her options – 888-430-7668

    July 5, 2016 at 11:08 am

I’m 34 y.o female. During routine check up my A1C was 6.3%. No medications, 3 months later I lost 30lbs, and lowered my A1C 5.8%. Doctor did NOT diagnose me as diabetic, instead “hyperglycemia unspecified”-pre-diabetic. What is my class? Should I apply as non diabetic? Should I do blood work? Please advise.

April 26, 2017 at 10:15 am
    Jeff Root

    Many life insurance companies will factor in your weight loss and add half your weight back. Depending on your weight and your medical exam results, you’d likely qualify for Standard rates. In your case, I would get a no medical exam policy in force first, then apply with a fully underwritten company to get a lower rate and if you don’t get that lower rate, you at least have the no exam coverage. If you do get the lower rate, cancel the no exam policy (you can cancel at any time).

    June 21, 2017 at 10:51 pm

I’m type 2 diabetic, and also I have chronic osteo arthritis on both knees. I’ve been using a scooter chair for the past 7 years. No other medical issues. Will I qualify for a $50,00 whole life or $50,00 30 term life?

November 5, 2017 at 6:35 am
    Jeff Root

    Hi Teresa, Yes, we have some whole life policies that will approve you. We’ll reach out.

    November 7, 2017 at 10:17 am
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