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Life Insurance Question: Diabetic and Overweight

Everyday I speak with people in unique situations looking for life insurance. By sharing their questions and my responses perhaps I can help others looking for the same information.

Today I spoke to someone with the following question:

“I missed my life insurance payment with state farm and my $100k policy lapsed I have diabetes type 2 and need to replace that policy looking for $100k policy again. “

Here are the questions I asked:

  • How old are you?
  • What is the treatment for the diabetes (insulin or oral medication or both)?
  • What is your height/weight?
  • Any other health conditions?

The responses were the following:

45 year old male, 6’1 350 pounds, A1c of 7.6, oral medication only, also has sleep apnea (controlled with a CPAP).

Getting approved for life insurance as a diabetic is possible as long as the diabetes is being treated and under control. However with a “build” (which is what life insurance underwriters call height & weight) of 6’1 350 pounds combined with diabetes, this person would be declined for a regular life insurance policy.

The alternative is to consider a graded benefit life insurance policy – also called a simplified issue policy. These type of policies have only a few health questions you have to answer to qualify for coverage. The policy is called “graded” because the death benefit is graded – it increases a bit for the first few years of the policy until it reaches the amount you buy – for example if you buy a $100,000 graded policy, the $100,000 won’t be fully in effect until after 3 years (or two years depending on the company). In the first, second, and third year, coverage increases each year until it reaches $100,000. In this case the 45 year old can get a 10 year term policy for about $200 per month. Whole life is also an option, but term will be significantly cheaper.

Each one of the issues here by themselves would qualify for a regular policy. Someone 6’1 350 might be able to get approved for a policy, barring no health issues. A Diabetic or someone with sleep apnea can get approved as well, the issue here was multiple conditions combined, which would cause a decline for a regular policy and requires us to look at a high risk life insurance policy, or graded benefit policy.

If you would like a quote for coverage fill out our quote form below and we can discuss your specific situation.

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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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