Wills, Trusts & Estates Prof Blog

Editor: Gerry W. Beyer
Texas Tech Univ. School of Law

Wednesday, August 13, 2014

Getting Life Insurance with Diabetes


For many with Type 1 Diabetes, finding a life insurance policy without outstanding premiums can be difficult.  In reality, it is not necessarily the Diabetes that is the issue, rather the issues that can arise from the disease.  This may include an increased risk of heart disease, stroke, and other problems with the eyes, kidneys, nerves, skin and teeth. 

Whether you can get life insurance depends on several factors including: how well controlled your disease is, your current age, the term of coverage you require, family history relating to diabetes, your current height and weight.  Because there are a variety of factors to consider, you will only know the final outcome once a full Underwriting process takes place. 

Upon completion of underwriting, the life insurance company will likely offer terms that include a medical loading to the monthly life insurance premium of anything from PLUS 75% to PLUS 200%, and possibly more.  This means the normal premium is increased by 75% to 200%.  In the most severe situations you will be declined. 

See Darren Amos, Life Insurance for Diabetics, Money to the Masses, Aug. 8, 2014. 


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