_edited.jpg)
Life Insurance for Diabetics
Having diabetes does not automatically mean you'll pay high life insurance rates. If your diabetes is well controlled—especially with an A1C under 7—you may qualify for significantly better pricing than you expect. LifeStein compares rates from multiple top-rated life insurance companies to help you find the best available option.
Jump Ahead
Lowest Available Life Insurance Rates for Diabetics (2026 Pricing Data)
The rates below represent the lowest available monthly premiums identified in the life insurance market for applicants with well-controlled diabetes, including an A1C under 7, healthy height and weight, no significant diabetic complications, and consistent medical follow-up. Actual eligibility and pricing depend on your full health profile and underwriting approval.
The life insurance rates available to diabetic applicants can vary dramatically from one company to another. While some insurers apply aggressive underwriting to diabetes, others offer significantly more favorable pricing for applicants who maintain good control of their condition.
​
The rates shown above reflect the lowest available premiums found in the marketplace for diabetic applicants meeting favorable underwriting criteria, including an A1C under 7, healthy build, stable treatment history, and no major diabetes-related complications. Factors such as age, coverage amount, term length, medications, insulin use, blood pressure, cholesterol, nicotine use, and overall health can all impact eligibility and pricing.
​
LifeStein compares rates from multiple top-rated life insurance companies to help diabetic applicants identify the carrier most likely to offer the best available underwriting outcome and the lowest available premium for their situation.
​
Rates shown are based on favorable diabetic underwriting scenarios and are for illustrative purposes only. Actual premiums are subject to underwriting approval and may vary by carrier, health history, prescription history, laboratory results, lifestyle factors, and state of residence.
How your A1C affects life insurance rates
A1C is the single number underwriters focus on most. It reflects your average blood sugar over the past 2–3 months and serves as a proxy for how well your diabetes is being managed.
​
An A1C under 7.0 signals good control and is generally the threshold at which the most competitive rates become available. As A1C rises, the pricing tends to increase — and coverage can become harder to secure at some carriers.
​
The good news: different carriers draw these lines in different places. A carrier that won't budge at an 8.2 A1C might be perfectly fine at another. LifeStein knows which companies are more lenient and can match your profile accordingly.
Which life insurance company is best for diabetics?
The honest answer: it depends. There is no single "best" company for every diabetic applicant. Each carrier uses its own underwriting guidelines, and what's favorable at one company might disqualify you at another.
​
Some carriers are more lenient on A1C. Others weigh BMI more heavily. Some are flexible on insulin use; others are not. The key is matching your specific profile to the carrier most likely to view it favorably.
​
That's what LifeStein does. As an independent brokerage, we have no loyalty to any single insurer — only to finding you the best available offer.
Frequently Asked Questions About Life Insurance for Diabetics
Can diabetics get life insurance?
Yes. Most people with diabetes can qualify for life insurance. Approval and pricing depend on factors such as your A1C, age at diagnosis, medications, height and weight, overall health, and whether you have developed any diabetes-related complications.
​
What is the best A1C for life insurance?
Generally, an A1C under 7 is considered favorable by life insurance companies. Applicants with an A1C below 7 often receive significantly better offers than applicants with poorly controlled diabetes.
​
Can I get life insurance if I have Type 2 diabetes?
Yes. Many people with Type 2 diabetes qualify for term life insurance and permanent life insurance. Well-controlled Type 2 diabetes typically receives more favorable underwriting than uncontrolled diabetes.
​
Can I get life insurance if I have Type 1 diabetes?
Yes. Many carriers offer life insurance to people with Type 1 diabetes. Underwriting is usually more stringent than for Type 2 diabetes, but competitive coverage may still be available depending on your health history and diabetic control.
​
Does insulin use affect life insurance rates?
It can. Some companies view insulin use more conservatively than others. However, insulin use alone does not automatically mean you will be declined or receive poor rates. Many insulin-dependent diabetics successfully obtain coverage.
​
How much does life insurance cost for diabetics?
The cost depends on your age, A1C, medications, health history, coverage amount, and term length. Applicants with an A1C under 7, healthy height and weight, and no major complications typically qualify for the most competitive rates available.
​
Can diabetics qualify for term life insurance?
Yes. Term life insurance is one of the most popular options for diabetic applicants because it provides substantial coverage at an affordable monthly premium. Most carriers offer 10, 15, 20, 25, and 30-year term options.
​
Can diabetics qualify for whole life insurance?
Yes. Whole life insurance and other permanent life insurance products are available for many diabetic applicants. Approval and pricing depend on the severity of diabetes and overall health.
​
What complications affect life insurance approval for diabetics?
Life insurance companies pay close attention to complications such as kidney disease, diabetic neuropathy, diabetic retinopathy, heart disease, stroke history, and uncontrolled blood pressure. These conditions may increase premiums or reduce available options.
​
Does my weight affect diabetic life insurance rates?
Yes. Height and weight are important underwriting factors. Diabetic applicants who maintain a healthy weight often receive more favorable offers than those who are significantly overweight.
​
What life insurance companies are best for diabetics?
There is no single best company for every diabetic applicant. Some carriers are more favorable toward certain diabetic profiles than others. The best company depends on factors such as your A1C, medications, age, weight, and health history.
​
Can diabetics get a no-medical-exam life insurance policy?
Sometimes. Certain carriers offer no-exam life insurance options for diabetic applicants. Eligibility depends on age, coverage amount, prescription history, and overall health profile.
​
Does smoking affect life insurance rates for diabetics?
Yes. Smoking or nicotine use can significantly increase life insurance premiums for diabetic applicants. Diabetics who do not use tobacco or nicotine products generally receive substantially better pricing.
​
Should I use a life insurance broker if I have diabetes?
In most cases, yes. Diabetes underwriting varies widely from one company to another. An independent brokerage like LifeStein can compare multiple carriers and help identify the company most likely to offer the best underwriting outcome for your specific situation.
​
Can I get life insurance if my A1C is over 7?
Yes. Many people with A1C levels above 7 still qualify for life insurance. While rates may be higher than for applicants with lower A1C levels, coverage is often still available through multiple carriers.
​
Can I improve my life insurance rates by lowering my A1C?
Potentially. Improving your A1C, maintaining a healthy weight, controlling blood pressure and cholesterol, and following your doctor's treatment plan can improve how life insurance companies view your risk profile. In many cases, better diabetic control leads to better underwriting outcomes.
Pricing Summary: $1 Million 20-Year Term Life Insurance for Diabetics
The rates below show the lowest available monthly premiums for a $1 million 20-year term life insurance policy for diabetic applicants with favorable underwriting characteristics, including well-controlled Type 2 diabetes, an A1C under 7, healthy height and weight, and no major diabetic complications.
​
Age 35
A 35-year-old male diabetic can expect to pay approximately $69.13 per month for a $1 million 20-year term life insurance policy. A 35-year-old female diabetic can expect to pay approximately $54.07 per month.
​
Age 36
A 36-year-old male diabetic can expect to pay approximately $73.94 per month. A 36-year-old female diabetic can expect to pay approximately $57.44 per month.
​
Age 37
A 37-year-old male diabetic can expect to pay approximately $78.98 per month. A 37-year-old female diabetic can expect to pay approximately $61.31 per month.
​
Age 38
A 38-year-old male diabetic can expect to pay approximately $85.12 per month. A 38-year-old female diabetic can expect to pay approximately $66.14 per month.
​
Age 39
A 39-year-old male diabetic can expect to pay approximately $91.34 per month. A 39-year-old female diabetic can expect to pay approximately $71.17 per month.
​
Age 40
A 40-year-old male diabetic can expect to pay approximately $98.01 per month. A 40-year-old female diabetic can expect to pay approximately $76.89 per month.
​
Age 41
A 41-year-old male diabetic can expect to pay approximately $105.01 per month. A 41-year-old female diabetic can expect to pay approximately $83.25 per month.
​
Age 42
A 42-year-old male diabetic can expect to pay approximately $116.16 per month. A 42-year-old female diabetic can expect to pay approximately $90.04 per month.
​
Age 43
A 43-year-old male diabetic can expect to pay approximately $128.03 per month. A 43-year-old female diabetic can expect to pay approximately $99.30 per month.
​
Age 44
A 44-year-old male diabetic can expect to pay approximately $140.46 per month. A 44-year-old female diabetic can expect to pay approximately $108.95 per month.
​
Age 45
A 45-year-old male diabetic can expect to pay approximately $154.63 per month. A 45-year-old female diabetic can expect to pay approximately $119.98 per month.
​
Age 46
A 46-year-old male diabetic can expect to pay approximately $167.42 per month. A 46-year-old female diabetic can expect to pay approximately $128.41 per month.
​
Age 47
A 47-year-old male diabetic can expect to pay approximately $182.33 per month. A 47-year-old female diabetic can expect to pay approximately $138.52 per month.
​
Age 48
A 48-year-old male diabetic can expect to pay approximately $200.74 per month. A 48-year-old female diabetic can expect to pay approximately $151.00 per month.
​
Age 49
A 49-year-old male diabetic can expect to pay approximately $220.03 per month. A 49-year-old female diabetic can expect to pay approximately $164.09 per month.
​
Age 50
A 50-year-old male diabetic can expect to pay approximately $242.51 per month. A 50-year-old female diabetic can expect to pay approximately $179.13 per month.
​
Age 51
A 51-year-old male diabetic can expect to pay approximately $266.01 per month. A 51-year-old female diabetic can expect to pay approximately $193.91 per month.
​
Age 52
A 52-year-old male diabetic can expect to pay approximately $296.66 per month. A 52-year-old female diabetic can expect to pay approximately $211.38 per month.
​
Age 53
A 53-year-old male diabetic can expect to pay approximately $326.38 per month. A 53-year-old female diabetic can expect to pay approximately $232.94 per month.
​
Age 54
A 54-year-old male diabetic can expect to pay approximately $370.13 per month. A 54-year-old female diabetic can expect to pay approximately $255.53 per month.
​
Age 55
A 55-year-old male diabetic can expect to pay approximately $413.01 per month. A 55-year-old female diabetic can expect to pay approximately $282.00 per month.
​
Age 56
A 56-year-old male diabetic can expect to pay approximately $452.38 per month. A 56-year-old female diabetic can expect to pay approximately $308.10 per month.
​
Age 57
A 57-year-old male diabetic can expect to pay approximately $497.88 per month. A 57-year-old female diabetic can expect to pay approximately $335.07 per month.
​
Age 58
A 58-year-old male diabetic can expect to pay approximately $559.13 per month. A 58-year-old female diabetic can expect to pay approximately $373.52 per month.
​
Age 59
A 59-year-old male diabetic can expect to pay approximately $616.01 per month. A 59-year-old female diabetic can expect to pay approximately $419.30 per month.
​
Age 60
A 60-year-old male diabetic can expect to pay approximately $698.58 per month. A 60-year-old female diabetic can expect to pay approximately $468.76 per month.
​
Age 61
A 61-year-old male diabetic can expect to pay approximately $789.06 per month. A 61-year-old female diabetic can expect to pay approximately $525.13 per month.
​
Age 62
A 62-year-old male diabetic can expect to pay approximately $898.65 per month. A 62-year-old female diabetic can expect to pay approximately $593.30 per month.
​
Age 63
A 63-year-old male diabetic can expect to pay approximately $1,034.04 per month. A 63-year-old female diabetic can expect to pay approximately $677.51 per month.
​
Age 64
A 64-year-old male diabetic can expect to pay approximately $1,175.87 per month. A 64-year-old female diabetic can expect to pay approximately $765.74 per month.
​
Age 65
A 65-year-old male diabetic can expect to pay approximately $1,343.48 per month. A 65-year-old female diabetic can expect to pay approximately $869.99 per month.