Life Insurance For Type 1 and Type 2 Diabetics [Know The Difference]

diabetes life insurance for type 1 and type 2

Quick Tip: if you are a type 1 or type 2 diabetic and want the most affordable rates, fill out the form on the side and rates will be displayed immediately.

Life Insurance for Diabetics Type 2

Best Life Insurance Type 2 Diabetics!

Can I get life insurance if I have diabetes? 

Living with Diabetes, most people understand the importance to obtain life insurance. But if you have been diagnosed with diabetes getting coverage to protect your family is crucial.

In fact, Diabetics are more prone to risk factors related to this health condition over the long term.

Over a million people yearly are diagnosed with diabetes. It is imperative not only to understand how to obtain the best policy but also understand your diabetes and how to live a healthy life.  

Diabetes Type 2

Type 1 and Type 2 Diabetes and Life Insurance

So getting life insurance protects your family from financial burden in the event of your death. Without it, they would be left to pay for any of your debts, and for any of your final expenses.

Above all, a life insurance policy will cover these costs. Furthermore, a term life insurance policy will also replace your income, and provide your family with a lot of financial assistance.

However, life insurance is not so easy to get for some people. Those diagnosed with diabetes can have trouble getting affordable life insurance coverage, or trouble even getting accepted at all. The earlier the diagnosis the higher the rate will be.

However, if diagnosed over 66 years old, then even life insurance for 75 and over can be a standard rating.

Also, this is because the life insurance carrier is concerned with the potentially life-threatening health risks associated with diabetes. For example, you are at a high risk of stroke, heart attack, and blindness.

The good news is,  Getting affordable life insurance with diabetes is beginning to get more comfortable for life insurance underwriters as long as the consumers A1C levels are at well-managed levels. There are far more diabetic life insurance options than there used to be, with varying prices for diabetes life solutions.

Type 1 Vs. Type 2 Diabetes

Applying for life insurance as a Diabetic can be affordable. However, overall health and which kind of diabetes you have will have an impact on your high-risk life insurance. Let’s go over the general difference between type 1 and type 2 diabetes:

  •  Life insurance for diabetics Type 1 is looked at differently than type 2. Those diagnosed with type 1 diabetes do not produce insulin correctly. Usually, type 1 diabetics diagnosed happen at a young age. Only about 5% of people with diabetes have type 1 diabetes. There is no cure, but type 1 diabetes can manage with treatments like insulin therapy. One of the problems with getting life insurance for a type 1 diabetic is that companies often aren’t sure how this relatively rare condition should affect premiums for diabetes life insurance.
  • Life Insurance for diabetics Type 2… This is by far the most common type of diabetes. People with type 2 diabetes suffer from insulin resistance. Further, this causes the pancreas to create extra insulin to make up for it. Blood glucose builds up in the blood instead of reaching the body’s cells. Eventually, this can damage people’s eyes, heart, nerves, and kidneys. For instance, Blood glucose levels with diet and exercise are primary factors in controlling diabetes. Insulin injections and medication may be necessary. Type 2 diabetes tends to get worse over time. However, life insurance companies understand type 2 diabetes is more and more, and it is entirely possible to get affordable rates on your life insurance.

What Is Type 1 Diabetes Caused By

Type 1 diabetes usually appears before age 35, but elderly adults may also create it. This kind of diabetes originates at a breakdown of the immune system (an autoimmune disorder).

Your body is not able to create the insulin that’s desperately needed by cells. With the exclusion of those initial weeks or even months following addiction (remission stage), there’s an absolute insulin deficiency.

  • 10 percent of diabetics
  • Diagnosed until Age 35
  • The sudden severe onset of this disorder
  • Complete insulin deficiency because of degradation of the beta cells
  • Brought on by an autoimmune disorder
  • How treated: supply of insulin with an insulin pencil or insulin pump

Treatment entails insulin therapy, a very important hormone substitution treatment that has to be performed through the individual’s life.

What Is The Leading Cause of Type 2 Diabetes

Type 2 diabetes seems at mid to late maturity. Nevertheless, obese adolescents and young adults will also be developing this kind of diabetes with increased regularity. Blood glucose consequently transported in small quantities from blood to cells.

Type two diabetes rarely contributes to severe metabolic lapses but can often lead to severe secondary ailments.

Along with genetic factors, extra weight, erroneous diet, and too little physical activity play an essential part in the development of Type 2 diabetes.

The danger of developing Type 2 diabetes grows with a factor of 5 to 10 if these variables are found.

  • 90 percent of cases of diabetes
  • Often diagnosed with mid to late adulthood
  • Slow, insidious evolution of the disorder
  • Often goes unnoticed
  • First diminished sensitivity to insulin, and afterward also faulty insulin production.
  • Brought on by excessive fat, lack of physical activity, hereditary variables
  • Remedy: weight reduction, increase in physical activity, drugs to reduce blood glucose, insulin.
  • Often participates in the relationship with higher blood pressure.  
  • Fat metabolism disorders along with surplus weight.

The suggested treatment for all those affected will be first and foremost a change of diet to eliminate weight and also an increase in physical activity.

In the first phases of Type 2 diabetes, the following steps could possibly be all that’s needed to accomplish a normal blood glucose level.

But if sufficient glucose levels aren’t attained, therapy with drugs to reduce blood glucose (oral antidiabetics) or insulin is necessary.

Affordable Life Insurance For Diabetics and High-Risk Individuals

It’s extremely feasible to find life insurance for people with diabetes. Particularly if your managing diabetes well.

Furthermore,  you might usually acquire cheap prices should you respond well to therapy and lead a wholesome way of life. Even if this isn’t the situation, there are still ways to obtain the coverage you want.

Life Insurance For Insulin Dependent Diabetics


Normally, diagnoses for type 1 diabetes happens in the young years of someone’s life. Whereas, diagnoses of type 2 diabetes occurs later in life after age 40. However, these are not hard-and-fast rules.

Individuals who have type 1 diabetes don’t produce insulin, also consequently glucose accumulates in the bloodstream rather than going into the tissues, where it is necessary for energy. The identical frightening complications of diabetes seem in form 2 too.

The distinction is that individuals with type 2 diabetes nevertheless produce insulin; so their own bodies simply are sensitive to it, and that’s exactly what causes those complications.

Blood tests used to diagnose type 1 and type 2 diabetes contain fasting blood glucose, a receptor A1C evaluation, and a sugar tolerance evaluation. The glucose tolerance test measures blood glucose following a carbonated beverage is provided.

By way of instance, if you’ve either type of diabetes, then you’ve got double the probability of heart attack or cardiovascular disease when compared with someone with no disease.

Other ailments include eye problems, liver disease, foot ailments, skin ailments, stroke, elevated blood pressure, cognitive loss, along with elevated cholesterol.


Individuals with type 1 diabetes do not produce insulin, and consequently, sugar accumulates in the blood instead of going into the cells, where it’s necessary for energy.

In type 1 diabetes, high blood sugar causes symptoms like hunger, and exhaustion and can lead to devastating consequences, such as damage to the nerves, blood vessels, and internal organs. 

The same scary complications of diabetes look in type 2 as well. The difference is that individuals with type 2 diabetes still produce insulin; so their own bodies simply become less sensitive to it, which is what causes the complications.


Marijuana is now legal for clinical use in 28 American states and the District of Columbia. You will find increasing signs to support the claims which the Cannabis plant provides several possible medicinal properties for a broad number of ailments and diseases.

Though we are aware that marijuana can assist in treating nervous disorders, little research can be found on its other therapeutic properties due to the law against using the herb for medicinal usage.

Due to the regulations as well as the stigma against bud, the remarks are all biased. Nevertheless, the ancient research appears promising involving the connection between the metabolic processes of their human body remains in a comparatively new research period.

Of the numerous research done on several different health issues, among the latest asserts is that marijuana might help prevent diabetes help cure diabetes and cure specific ailments as a consequence of diabetes.


When applying for diabetics life insurance policies, be prepared to answer several questions about your diabetes. Remember, no matter the health condition be honest with the information you provide, the higher chance you’ll be accepted by an insurance company.

This is because life insurance companies are hesitant to cover people that do not adequately or accurately answer the application questions. We’ll list a few example questions that they may ask:

  • When were you diagnosed?
  • Do you take any medications to manage your diabetes?
  • Which type of diabetes do you have?
  • Have you been recently hospitalized for your diabetic condition?
  • What were your last blood sugar levels?

On top of this, they’ll need to ask you general questions about you, like they would for any applicant. These may include…

  • Height + weight?
  • Do you use any form of tobacco? (smokers can expect to pay 2 to 3 times more for their life insurance than nonsmokers)
  • What is your occupation?
  • Are you married?
  • Do you have children?

If you find you still can’t get approved, you can consider no medical exam life insurance.

Cheap Life insurance for diabeteics
Affordable Life Insurance for Diabetics


Yes, it can. When you apply for life insurance during your pregnancy, your premium will be a bit higher. Underwriters will also take into consideration you have an increased chance for type 2 diabetes later in life. 

Call upon your independent agent and have them guide you.  Most likely you will be offered a standard rate. Your agent will help you make the best choice.


In fact, there are several things you can do to lower the rates on your life insurance. For one, you should try to improve your general health as much as you can before applying.

This includes eating healthier, exercising, and quitting unhealthy habits, such as smoking. What age you also have an impact on whether or not you can get cheap life insurance.


Diabetes occurs when your system has difficulty using sugar, a hormone that helps convert sugar in the food that you eat into energy. Whenever there isn’t enough insulin in the human body, sugar accumulates in the blood and can cause you to get sick.

Individuals with type 1 and type 2 confront this issue, but the way they came there’s very distinct. When you have type 1, then you do not make any insulin in any way. Nobody knows precisely what causes it, however, genetics probably plays a position.

Individuals with type 2 create insulin, however, they do not make enough or else they have trouble using what they create effectively.

Important risk factors for type two include obesity (particularly in the event that you lose excess fat around your gut) and being more sedentary. Using a family history increases your risk too.


High blood glucose is harmful, however, it is indeed low blood glucose (hypoglycemia): This might lead to fatigue, nausea, perspiration, and shakiness. In acute instances, it can force you to pass out and may even be life-threatening.

Should you develop symptoms of overeating, you have to take actions to rapidly increase your blood glucose. That may indicate drinking a glass of juice ingesting a couple of hard candy, or reaching for a glucose-containing pill or gel.

American Diabetes Association is a great reference for diabetes education.


First, PinnacleQuote is here to help.

Second, Speak with one of our agents, and they’ll be able to answer any and all of your questions.

Third, We will hold your hand throughout the entire process and make it so simplistic. That is our promise to YOU! 

We will set you up with the best life insurance companies and find the most reasonably-priced policies for you.

In Fact, PinnacleQuote is licensed in all 50 states.  We shop for the best carrier!!! Finally, Working with us will save you a tremendous amount of time, energy, and money. Click the button below!


I am Danny Ray. Founder and Owner of PinnacleQuote.  My office is based in Jacksonville, Florida.  Not only am I an independent life insurance agent.

I am also a father and a Fiance’. Just like you, I have a family too.  I put my clients in the products that fit their family’s needs. I will shop for you for the same products I have in place for my family. 

My purpose is to help you achieve your goals in life insurance.  To make sure what you envision for your family’s future is kept intact long after you are gone.

Foresters Life Insurance with Danny Ray
Danny Ray ~Owner/Agent of PinnacleQuote Life Insurance Specialists

The art of life insurance is my passion ~ Danny Ray

If you have any questions regarding diabetes care, good health, and life insurance,  please feel free to contact us at PinnacleQuote (855) 380-3300.

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