How much does life insurance cost for a diabetic?
Life insurance for diabetic applicants generally costs more than for non-diabetics, but less than most people assume. The gap is usually one or two rate classes, not a complete reset. Rates depend on five things: age, gender, policy type and amount, your A1C and complication history, and whether you use tobacco.
Example ranges (estimates only)
The ranges below are illustrative. Specific quotes depend on the carrier, your file and the policy you choose. We can usually tell you within a few minutes which range to expect once we know your A1C and medications.
Age 45, Type 2 diabetic, A1C under 7, no complications, non-tobacco, $500,000 20-year term. Roughly $55 to $110 per month, depending on carrier and build.
Age 55, Type 2 diabetic, A1C 7.5, metformin only, non-tobacco, $250,000 20-year term. Roughly $90 to $180 per month.
Age 60, Type 1 diabetic, A1C 7, insulin pump, non-tobacco, $100,000 15-year term. Roughly $130 to $240 per month.
Age 65, Type 2 diabetic, A1C 8, insulin, no complications, non-tobacco, $25,000 final expense whole life. Roughly $85 to $160 per month.
Age 70, Type 2 diabetic, A1C 8.5, insulin, non-tobacco, $20,000 guaranteed-issue final expense. Roughly $100 to $180 per month.
These are estimates based on current carrier filings. Your actual quote depends on your specific file.
What drives the number up
- Higher A1C or recent complications.
- Insulin use (especially long-term insulin on Type 2).
- Tobacco use (adds about 50% to 100% to most premiums).
- Elevated BMI, blood pressure or cholesterol.
- Any cardiovascular, kidney or cancer history.
What drives the number down
- Lower A1C, especially a trending improvement.
- Pump plus CGM for Type 1 (reads as active management).
- GLP-1 use for Type 2 with documented A1C drop.
- Weight loss, lower BMI.
- Non-tobacco, lower blood pressure, lower cholesterol.
- Shopping across the right 70+ carriers instead of applying to one.
What never changes the cost
Our commission is paid by the carrier, not by you. The premium you pay is the same whether you buy through us or directly from the carrier. The difference is that we shop 70+ A+ rated carriers for you instead of one.
Common questions
Why do diabetics pay more?
Carriers price based on actuarial mortality risk. Diabetes carries a measurable mortality risk that varies with A1C, duration, and complications. A well-controlled diabetic in their 40s pays close to non-diabetic rates with a good carrier. Poorly controlled or long-duration cases pay more.
Can my rate drop after I buy the policy?
Term and whole life policy rates are fixed at issue. You can apply for a new policy later at a better rate class if your health has improved, but you cannot re-rate an existing policy. For hybrid and some other products, periodic re-underwriting can be requested.
Does the quote I get online match what I will actually pay?
Usually not for diabetic applicants. Online quote tools assume non-diabetic rates. Our quotes are based on carrier underwriting manuals for diabetic applicants and reflect your actual expected rate class.