Does Diabetes Affect Life Insurance?

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   Peggy Mace

   Most of the U.S.

   Diabetes does affect life insurance rates, but how much diabetes affects life insurance depends on the level of diabetic control. More than whether you are type 1 or type 2, whether you use oral med or use insulin, whether you were diagnosed at age 10 or diagnosed at age 50, your A1C number matters. If it is over 10, the amount of life insurance you can get will be limited and the price will be very high. If under 8, a person with diabetes can get affordable rates, even though higher than someone who has no health issues whatsoever.

   Answered on August 11, 2013

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