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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Getting life insurance coverage for type 2 diabetics does not have to be a difficult process.  What can be difficult for some people, is finding the best life insurance rates for Type 2 diabetics.

Getting the best rates for Type 2 diabetic life insurance coverage requires working with an independent life insurance agency, such as Top Quote Life Insurance.

Top Quote Life Insurance has experience with Type 2 Diabetic life insurance coverage and knowledge of life insurance coverage options that are favorable to your unique or high-risk health class.

Type 2 Diabetics are often classified with a high-risk health class. Being considered a high-risk health class generally results in higher life insurance rates.

For Type 2 Diabetics, there are several life insurance companies that will approve you for life insurance coverage, but generally with a standard health class rating or even a substandard health class rating, which can be very costly.

Even with well-controlled Type 2 Diabetes, a majority of life insurance companies will be no better than a standard health class rating.

Voya Financial is changing that typical standard classification for controlled Type 2 Diabetics with the possibility of a preferred health class rating. When you are classified with a preferred health class rating, you will have much cheaper rates.


Since the original posting of this article, Voya Financial discontinued several of their popular life insurance coverage options. However, we have over two dozen of the top-rated life insurance carriers that we can shop your coverage with especially if you have type 2 diabetes. 

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

Preferred Consideration for Type 2 Diabetics with Voya Financial

Voya Financial has recently announced that preferred life insurance coverage consideration is available for Type 2 Diabetics. This is a real game changer and a huge win for Type 2 Diabetics.

If you fall within the following guidelines, you have an excellent chance of receiving a preferred classification with Voya Financial.

  • Maintained doctors orders with medication
  • Keeping blood sugar levels (A1C) in excellent control
  • Have no other significant medical history
  • Maintain a healthy lifestyle
  • Meet all Voya Financial preferred criteria

Another bonus worth mentioning is, even if you’re over the age of 60 or have been diagnosed with type 2 diabetes less than 5 years ago, you can still qualify for preferred rates assuming you meet all of the other guidelines for preferred consideration.

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Voya Financial Quote for Type 2 Diabetics

If you are considering purchasing life insurance coverage and have Type 2 Diabetes that is well controlled, let’s discuss getting you some excellent life insurance rates with Voya Financial.

If you currently have life insurance coverage and were approved at a standard health class or higher, we can do a quick policy review and see if we can get you qualified for preferred life insurance rates.

Send us a message with the details to your life insurance needs and we will start working on getting you the best rates for coverage needs.

Voya Financial Formerly Known as ING

Voya Financial Life Insurance

Voya Financial is a highly respectable competitor among the many other life insurance carriers. Although Voya Financial is the company’s new name, they have been around a long time. Voya Financial was formerly known as ING.

Voya Financial offers several coverage options, but two of the popular ones that come to mind would be their Voya Term Smart and Voya Universal Life Insurance CV. Both coverage options are available for instant quotes here at Top Quote Life Insurance.

Voya Term Smart (Term Life Insurance)

Simple fixed premium term life insurance coverage available in term lengths of 10, 15 or 20 years. Issue ages from 18-80 with the option to convert to guaranteed permanent life insurance coverage either at the end of your term length or prior to age 70.

Voya Universal Life Insurance CV (Permanent)

Guaranteed fixed premium permanent life insurance coverage with issue ages from 0-90. Voya Universal Life Insurance CV coverage comes with a number of great policy riders that can be added to the basic permanent coverage.

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