Yes — most people with diabetes can get life insurance. Learn how type 1 and type 2 affect underwriting, which carriers are more flexible, and how to get fast local quotes.
Short answer: Yes. Your rate and options depend on whether you have type 1 or type 2 diabetes, your A1C levels, insulin use, complications, and overall health. Many Richmond residents with diabetes qualify for affordable term or whole life policies — and some qualify for no-exam options.
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Article adapted with factual reference to Policygenius’ diabetes guide. Sources: Policygenius, NAIC, A.M. Best.
Insurers typically view type 2 diabetes as less risky than type 1 because it often develops later and may be managed with lifestyle changes or oral medications. Type 1 diabetes usually requires lifelong insulin therapy, and underwriting will weigh insulin amount and complication history heavily.
Reference: Policygenius “Best life insurance for diabetics.” For full methodology see Policygenius: policygenius.com/life-insurance/diabetes.
Insurers may request an A1C, medical exam, prescription history, and an Attending Physician Statement (APS) for complicated cases.
Industry data (and Policygenius’ analysis) often shows that Legal & General America / Banner Life (part of the same group) provides competitive term rates and favorable underwriting for many people with diabetes — including some type 1 applicants with controlled insulin regimens. Other carriers commonly working well for diabetics include mutual carriers for final-expense policies (e.g., Mutual of Omaha) and no-exam providers for simplified issue (Ethos, Fidelity).
Source: Policygenius analysis and carrier underwriting trends. See: Policygenius — Best life insurance for diabetics.
If you prefer to avoid labs, simplified-issue and guaranteed-issue policies may be available. These products often approve applicants based on a questionnaire and pharmacy records. They’re faster but may cost more per $1,000 of coverage and sometimes have waiting or graded benefit periods.
Good choices for Richmond residents who need coverage fast: simplified-issue final expense (Mutual of Omaha, AARP/New York Life options) or online platforms that place applicants with flexible underwriters (Ethos, Fidelity).
Exact rates depend on age, gender, coverage amount, and underwriting. Example (illustrative only): a healthy 40-year-old non-smoker with well-controlled type 2 diabetes might pay roughly 10–50% more than a non-diabetic peer for a 20-year term, depending on carrier and A1C. People with type 1 or significant complications often face higher increases or limited underwriting classes.
To see real pricing, request a side-by-side quote — we compare multiple carriers to find the best fit for your health profile.
If you’re approved and your policy is in force, changes in your health after issue generally don’t affect your existing coverage — the insurer typically can’t cancel or raise your rates unless there was fraud or material misrepresentation on the application. However, if your application is pending or you apply later, new conditions will be considered in underwriting.
If you think your health will improve (weight loss, better A1C), consider whether applying later could lower your premium — but balance that against the risk of being uninsured in the meantime.
Many Richmond-area applicants work in trades, healthcare, or public service. If your work includes shift patterns, heavy lifting, or exposure to hazards, tell your agent — underwriting class and occupational questions can affect the offer. We can run carrier-specific checks for Church Hill, Jackson Ward, Southside, Henrico, and Chesterfield ZIPs.
“I was nervous about getting approved with type 2 diabetes — David found a Banner Life plan that gave us great coverage at a fair price.”— M. Alvarez, Richmond
“My dad got a no-exam final expense policy in 48 hours — the process was simple and respectful.”— K. Moore, Southside
Yes, many people with type 1 qualify — especially if they have good control, no major complications, and reasonable daily insulin doses. Some carriers are more favorable than others.
Yes — insurers typically pull prescription histories and may request medical records or an Attending Physician Statement (APS) for complex cases.
Insulin use often affects class and pricing. The total daily insulin dose is an important underwriting factor. Lower doses and stable control are viewed more favorably.
I’ll compare diabetes-friendly carriers (Banner/Legal & General, Mutual of Omaha, simplified-issue providers) and show you exact prices for your age, ZIP, and health. No pressure — just clear comparisons.
