Quick answer · Type 2 diabetes
Which life insurance fits someone with type 2 diabetes?
Most people with type 2 diabetes should apply for fully underwritten term or whole life first, because controlled diabetes without organ complications is regularly approved at standard or slightly rated pricing. If there are complications such as neuropathy, retinopathy or kidney involvement, simplified issue whole life is usually the better target. Guaranteed issue is the fallback, not the starting point.
Which coverage paths can you discuss with a licensed agent?
- 1
Fully underwritten term or whole life
A1C in a stable range, no complications, and you can wait a few weeks for labs and records.
- 2
Simplified issue whole life
Insulin use or a complication in the file, and you want a decision in days with no exam.
- 3
Graded benefit whole life
Recent complications or a recent hospitalization that closes the simplified issue door.
Which coverage limitations should you check?
Very large fully underwritten face amounts are hard to place when diabetes is combined with heart disease and tobacco use in the same file.
When can life insurance coverage start?
Simplified issue often issues in 24–72 hours with day-one full coverage. Fully underwritten takes three to six weeks but usually costs less.
Frequently asked questions
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions and product availability are set by each carrier and vary by state, age, and health history.