Life Insurance for Diabetics in Virginia

Options for Type 1 and Type 2 diabetics — term, whole, final expense, and guaranteed issue plans.

Can People with Diabetes Get Life Insurance?

Yes. Many Virginians living with diabetes qualify for affordable life insurance. Coverage depends on several factors — type of diabetes, how long you’ve had it, how well it’s managed, medications, and recent A1C levels — but there are both underwritten policies and guaranteed acceptance options that may fit your needs.

Coverage Options for Diabetics

Term Life: Often the most affordable for those in good control — protects income for the years your family needs it most.
Whole Life: Permanent coverage that builds cash value — useful for legacy and wealth building.
Final Expense: Small, affordable policies designed to cover funeral and burial costs with simple applications.
Guaranteed Issue: No medical questions or exams — guaranteed acceptance, ideal for seniors or those with serious health concerns.

Even if you take insulin or other diabetes medications, we’ll review carriers and find the best fit — sometimes a simplified issue policy or final expense plan is the fastest path to coverage.

How Underwriting Typically Evaluates Diabetes

Recent A1C and blood sugar control
Medications and insulin use
Time since diagnosis
Complications (neuropathy, kidney issues, etc.)
Overall health and other conditions (blood pressure, cholesterol)

I’ll help you gather the right info and present your case to carriers that evaluate diabetic applicants more favorably.

Real Results — A Richmond Client Story

“After years of being turned down because of my Type 2 diabetes, I met David in Richmond. He found a affordable whole life policy that fit my budget. Now I sleep better knowing my kids are protected.” — M. H., Richmond

Why Work With a Local Virginia Agent?

Working with a local agent means personalized help: I’ll explain how diabetes influences rates, which carriers are more favorable, and whether a simplified or guaranteed plan is best. I serve clients across Richmond, Henrico, Chesterfield, and the rest of Virginia — and I’ll make the application process easy and respectful.

Get Your Free Quote — Fast & Simple

Complete the form below or call me at (804) 551-9526. I’ll personally review your situation and show you options that work for diabetics in Virginia.

Instant Virginia Life Insurance Quotes in Richmond

David Lewis Jr, Trusted Virginia Life Insurance Agent Since 2002!

Did you know?

Prices are Fixed by law!

Less Stress. More Peace Of Mind.

Life Insurance for Diabetics in Virginia