Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 4, 2020

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Did you know that getting type 1 diabetes life insurance coverage is possible? Many times, type 1 diabetics who are looking for affordable life insurance coverage believe that it is next to impossible.

When dealing with a life insurance agency such as Top Quote Life Insurance, we know which life insurance companies are favorable to insuring type 1 diabetics.

Not all life insurance companies will cover life insurance for type 1 diabetics, and some may offer coverage but at a costly rate. This makes for a long search process for anyone with type 1 diabetes looking for a reasonable life insurance policy on their own.

Although people with type 1 diabetes will most likely be considered at a substandard rate, a few life insurance companies exist who have very good rates for anyone looking for life insurance coverage with type 1 diabetes.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

How we get you the Best Rate for Type 1 Diabetes Life Insurance Coverage

When seeking life insurance coverage with diabetes type 1, we will need some information that will help us find you the best rate for life insurance coverage.

It is highly unlikely that we will be able to provide you with an instant quote. It will require us to do some research in order to provide you with the best rates for diabetic life insurance coverage.

In order for us to begin our search, we will need you to help us with the following question about your health: 

  •   How long since you were first diagnosed?
  •   What are your past and current A1C levels?
  •   What type of insulin?
  •   How many units of insulin per day?
  •   Do you take any other types of medication?
  •   Have there been any other complications associated with diabetes?
  •   What is your current height and weight?
  •   Do you have any other health issues?

The majority of life insurance companies will underwrite type 1 diabetes. By providing us with the answers to these questions we will be able to pinpoint the life insurance company that will provide you with the best rate for your unique situation.

Top Quote Life Insurance specializes in finding the best possible life insurance coverage for type 1 diabetes life insurance quotes. We make the life insurance process easier for type 1 diabetics in their search for life insurance coverage.

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Getting Affordable Type 1 Diabetes Life Insurance Rates

Affordable rates are available if your diabetes is well under control. Underwriters will look at the following main factors during the underwriting process to consider if your type 1 diabetes is well under control and if you qualify for the best possible rating:

How long since you were first diagnosed: If it has been over 10 years the chances of complications associated with your diabetes are at a higher risk. This does not mean you will be declined or receive a bad rating but is a negative factor considered among others during underwriting.

What are your past and current A1C levels: The main factor when underwriting type 1 diabetes will be what your current A1C level is. Controlled A1C levels of 7.5 or lower are ideal for favorable underwriting. A1C levels of 8.0 or higher can lead to a substandard rating.

What are your glucose levels: A glucose level of 100-120 is ideal for getting the very best rates.

Current type of treatment: Underwriters will be looking to make sure you have kept up with all doctor-recommended meds and follow appointments. A good track record of consistently following doctor orders is another favorable factor for getting the best rates.

What is your current height and weight: Underwriters will look to see if the diabetes is associated with obesity. If you are fit and have diabetes, you may be able to get better rates. If you have a big build, you may fall in the substandard ratings.

Tobacco use: Another factor in determining if you qualify for the best rates will be if you use any type of tobacco products (cigarettes, e-cigs, or smokeless). Smoker rates combined with diabetes often lead to very high premiums or a decline in coverage.

Additional diabetes-related complications: If you have had foot, eye, skin, circulatory, or nerve complication, traditional life insurance coverage may not be an option.

Although you may not qualify for a traditional life insurance policy there are still life insurance options such as a guaranteed issue life insurance policy.

Getting you the best life insurance rates for type 1 diabetes is very possible under well-controlled conditions.

Avoid This one Huge Mistake when Looking for Life Insurance Coverage

A huge mistake often made by type 1 diabetics in search of the best life insurance rates is they begin their search with their property and causality agent.

Don’t get me wrong, companies like State Farm, Farmers, Countrywide, or Allstate are great insurance companies when you are in search of an auto or homeowners quote, but lack in specializing in your unique health risk.

We also notice several of our clients also began their search with their local bank with no success. Again your local bank agent will most likely not specialize in the type of life insurance coverage you are in search of.

Your search for type 1 diabetes life insurance coverage needs to start with an experienced independent life insurance agent who specializes and has worked with type 1 diabetes life insurance coverage and the companies that offer these types of coverage.

No Medical Exam Life Insurance Option for Type 1 Diabetics

no medical exam life insurance or guaranteed issue life insurance such as Gerber Life Insurance Guaranteed Approval may be a great option if you would like to skip going through the exam process entirely.  We have a couple of no medical exam life insurance companies that are very favorable to type 1 diabetes life insurance coverage.

Your one-stop online guide for life insurance quotes. Get free quotes now!

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Top Quote Life Insurance can help with Type 1 Diabetes Life Insurance Quotes

Top Quote Life Insurance wants to make your search for type 1 diabetes life insurance coverage your one and only stop in your search for coverage.

We specialize in type 1 diabetic life insurance coverage and represent all the major life insurance carriers that are favorable to your unique health risk.

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