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Life Insurance with Type 1 Diabetes

Over 25 million children and adults in the U.S have diabetes, and about 2 million new cases of diabetes are diagnosed each year. If you are looking to get approved for life insurance with type 1 diabetes, this blog post will cover what you need to know. I’ll cover what factors life insurance companies consider in deciding whether or not to approve and how they price life insurance with type 1 diabetes. I’ll also cover some companies that we have had success with as far as getting type 1 diabetics approved. You can request a quote using the form right below this paragraph or keep reading for more on life insurance with type 1 diabetes.

Life Insurance with Type 1 Diabetes – Factors Life Insurance Companies Consider

 There are a few important factors you should be aware of when trying to get life insurance with type 1 diabetes.

 Age of Diagnosis: It is easier to get approved for coverage if you were diagnosed with Type 1 diabetes after age 40. If you were diagnosed prior to age 40 you may need to explore other options for coverage, such as a Graded Death Benefit Life Insurance – which I’ll discuss later in this blog post.

A1c: Your A1c percentage may vary based on your age and other conditions, however ideally if your type 1 diabetes is well controlled, you should Life Insurance with type 1 diabeteshave an A1c of less than 7%, which means an average glucose of 154 mg/dL.

Insulin Units: The use of insulin units can affect your ability to get approved, as well as rates. The guidelines I’m about to write about aren’t written in stone, because insulin units vary based on a person’s build (height/weight). However, here are some general guidelines.

25 Units a day or less of insulin is ideal and would help you get the best pricing possible. You can most likely get approved even if taking up to 50 units of insulin per day, however pricing will increase with an increased amount of insulin needed.

Options for Coverage

If you were diagnosed after age 40, your type 1 diabetes is well controlled, and you are following your doctor’s recommendations, as well as not having other complications from diabetes, like loss of vision, kidney disease, nervous system disease or amputations you should be able to get approved for coverage with a few high quality life insurance companies at a table rating of between 4-8.

I’ve had success with both MetLife and American General for type 1 diabetics.

Life Insurance for Type 1 Diabetics – Examples of Pricing

Let’s look at some examples of pricing: Let’s take a 55 year old female applying for $250,000 of 15 year term at a Table 4 Rating:

American General $128.16 Monthly

MetLife: $152.91 Monthly

Alternative Options for Coverage

If you are taking more than 50 Units of Insulin per day, or your A1c levels are high than there is a company that would approve you for up to $50,000 of coverage without a medical exam. If you were looking for coverage around $100,000 – $150,000  you could get approved for a Graded Death Benefit Policy.

Graded Death Benefit policies have a 2 or 3 year initial period in which the death benefit is equal to all premiums paid, plus interest. After the initial period, 100% of the death benefit would be in place. Also note that even during the initial 2 or 3 year period, if death occurs as a result of an accident, then the full death benefit would be paid.

If you would like a quote for life insurance with type 1 diabetes, fill out the form below and we will contact you.

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Liran Hirschkorn

Liran Hirschkorn is the founder of His mission is to help individuals across the country in finding the best rates on life insurance as well as helping individuals with high risk life insurance.

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