"Life is not over because you have diabetes. Make the most of what you have, be grateful." —Dale Evans
At Trusted Quote, we take life insurance for diabetics very seriously. Why? Because three of our very own are living with diabetes. Meet Heather, Steve, and Mike. We hope their stories inspire you...and show you that with good control, life insurance is just a click away.
Nearly 26 million people in America have diabetes, and nearly 79 million more are at risk for developing this disease. Dale Evans, featured in our quote at the top of the page, is best known for writing the song "Happy Trails" as well as starring in 28 movies with her husband Roy Rogers, was one of the many affected by this disease. She persevered, starring in more than 40 movies, 4 TV shows, and writing 26 books during her long life.
For those struggling to manage their diabetes, every day is a challenge. It might seem like an uphill battle to try and get life insurance while you've got your hands full just staying healthy, but we're here to help. If your diabetes is under control, you can get life insurance.
Steady blood glucose readings will help you qualify for life insurance.
They're going to take a lot of different factors into consideration. It's their job to figure out how big a risk you would be insure. If you're otherwise healthy and managing your diabetes, you're less of a risk to them, and you're more likely to be offered coverage. Others who have less control may be labeled high risk, or not offered coverage until they get their diabetes under control.
Here are the kinds of things the insurers look for:
We've helped hundreds of clients with diabetes get life insurance. Not all brokers are willing to do the work to help someone with diabetes go through the application process. We are.
Life insurance providers don't all do their underwriting in the same way. It's possible you could be accepted by one provider, but denied by another. It's important to work with someone who has a lot of experience with impaired risk applications and knows which insurers are likely to accept your application. This saves you time, money, and gets you insured much more quickly. It's all about experience—and at Trusted Quote, that's exactly what we offer.
No matter who you turn to when you're looking for high risk insurance, ask your agent:
If they can't answer your questions, it's a good idea to find another agent or broker.
We have an in-house underwriter who gets realistic quotes for our clients. He knows the ins and outs of coverage for diabetics, including the specific A1c numbers insurers want to see...and the ones they don't.
In some cases, we can even get diabetics approved at a "standard" health rating. The three key components of obtaining this rating are:
Regular exercise is a part of keeping your weight under control.
Obviously, this isn't the outcome you're looking for...but it also isn't the end of the world. There are still two options at that point:
If you’re ready to apply for life insurance for diabetics, click the orange button below.