Life Insurance for Diabetics: Yes, you can qualify.

MYTH

Many diabetics are coming to us with the same story, "I was told I could not qualify for life insurance because of my diagnosis."

FACT

Diabetics CAN get great coverage. Your advisor simply needs to know how, and where, to apply.

Diabetes in America

According to the Centers for Disease Control and Prevention and the 2020 National Diabetes Statistics Report, 1 out of every 10 American adults live with diabetes.

That's over 37 Million people!!!

Diabetes is the 8th leading cause of death in the United States. The number of American adults diagnosed with diabetes has doubled over the last 20 years as Americans have become overweight or obese.

DO YOU KNOW WHICH STATES HAVE THE HIGHEST PERCENTAGES OF DIABETICS WITHIN THEIR POPULATIONS?

View the stats here:

4 of the Best Life Insurance Carriers for Diabetics in 2024

Our Top Pick

Best for All Types of Diabetic Conditions

CICA Life is quickly becoming the most sought-after carrier by both agents and clients. CICA has figured out the formula for getting those with medical conditions approved, especially diabetics.

Even if you've been declined by other carriers, CICA gives you the opportunity to get Standard Issue with the same medical conditions.

Visit CICA Life

Best Overall

John Hancock offers the Aspire program with Vitality that is built specifically for diabetics. With this participation program, diabetics are rewarded with discounts for positive lifestyle changes.

The Vitality program utilizes a wearable, including an Apple Watch, to help monitor activity and progress.

Visit John Hancock

Most Likely to Get Approved

Columbus Life, a Western & Southern company, has a well-constructed table system that provides advisors with the ability to apply for multiple coverage levels, including IULs.

Columbus Life has an electronic application that allows for the diabetic to complete the medical history section while on the phone with the advisor.

Visit Columbus Life

Best for Diabetics with no Complications

Mutual of Omaha offers higher coverage limits than most when it comes to diabetics. Because of this, their coverage levels are a little more strict regarding complications.

If you have your Type 2 diabetes well under control, this is a solid option. However, they also offer a guaranteed issue policy that requires no medical history and zero declines.

Visit Mutual of Omaha

Why is Life Insurance Important? Especially for Diabetics...

MYTH

Diabetes is not serious... It only affects me.

FACT

Having a parent or sibling with diabetes increases your risk of becoming diabetic.

Diabetes and Mortality

By 2030, diabetes in Americans is expected to increase by 54%.

Annual deaths attributed to diabetes will increase by 38%.

That's over 385,000 diabetes-related deaths!!

Adults with diabetes have a 50% higher risk of death compared to adults with diabetes.

Life insurance coverage is a MUST in order to ensure that your family receives a sufficient payout upon death.

How do diabetics find the right insurance plan?

MYTH

All life insurance carriers offer the same plans.

FACT

Most life insurance carriers are not "diabetic-friendly."

Not all Carriers are Created Equal

Choosing the right insurance carrier matters. You can find yourself paying higher premiums, or declined, if you choose the wrong carrier*.

*Getting declined by one carrier can damage your chances from getting approved by another.

SEEK THE HELP OF AN INSURANCE ADVISOR!

Educated advisors will know which carriers are best suited for diabetic applicants. This is what we do!

INSURANCE ADVISORS DO NOT CHARGE A FEE FOR ADVICE!!

Our advisors specialize in working with diabetics and the carriers who fit your personal situation.

Who do we help?.... Diabetics

BUSINESS EXECUTIVES: We build custom strategies to get diabetic business owners and corporate executives wrapped with financial protection.
key person insurance
buy-sell agreements
premium financing
employee "group" benefit

FAMILY LEGACY: We develop the right insurance plan that will get you and your diabetic family members covered.
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