Life insurance for diabetics in Texas
Texas has one of the largest diabetic populations in the country, and the Texas life insurance market reflects that. Nearly every national carrier writes in Texas, and a few regional carriers that focus on diabetic underwriting have Texas as a key market. Diabetic applicants in Texas are approved every day.
What Texas diabetic applicants should know
- Carriers evaluate your A1C, medications, duration of diagnosis and complications. The same criteria apply as in every state.
- Fully-underwritten term and whole life, simplified-issue, guaranteed-issue, final expense and hybrid life/LTC products are all available.
- Texas has strong carrier competition, which generally means better rates for borderline cases than some smaller state markets.
Texas-specific notes
- Replacement disclosure. If you already have a life insurance policy and are considering replacing it, Texas Department of Insurance rules require specific disclosures and comparisons. We handle those forms on your behalf.
- Rated carriers. All carriers we recommend are at least A rated by A.M. Best and most are A+ rated. Texas residents can verify any carrier's rating with the Texas Department of Insurance.
- Group vs individual coverage. Many large Texas employers offer group life as a benefit. Group coverage usually does not transfer when you leave the job. An individual policy that you own is portable and locks in your rate.
What a Texas application looks like
A phone conversation first. We talk through your A1C, medications and history. We pick the right carrier for your file. The application and any required tele-interview happen by phone. If a paramedical exam is needed, the carrier sends an examiner to your home at no cost to you. Underwriting typically takes two to six weeks for fully-underwritten policies and a few days to a week for simplified-issue.
Our Texas clients include Type 1 applicants shopping for family term, Type 2 applicants in their 60s shopping final expense, and adult children shopping on behalf of parents. We work with applicants statewide, from Houston and Dallas to small-town Texas.
Common questions
Does Texas have state insurance assistance for diabetics?
The Texas Department of Insurance maintains consumer protections and complaint handling for all policyholders. It does not operate a state-run life insurance program. All diabetic life insurance in Texas is written through private carriers.
Are rates lower in Texas because of the large market?
Base rates are national. Carrier competition in Texas sometimes means more carriers are willing to write a borderline file, which can give you a better rate class, but the headline rates are the same nationwide.
Can I buy coverage in Texas if I live out of state part of the year?
Life insurance policies cover you worldwide once issued. You must apply from your state of legal residence. If you split time between Texas and another state, we help you confirm which state is the right one for the application.