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What insurers want to know
Expect questions about the following.
- Type 1 or type 2, and your age at diagnosis
- Your recent A1C results
- How it is treated: diet, oral medication or insulin
- Complications such as neuropathy, kidney or eye problems
- Other factors, including weight, blood pressure and tobacco use
Type 2 versus type 1
Well-controlled type 2 diabetes diagnosed in adulthood is often insurable with fully underwritten coverage, sometimes at close to standard prices. Type 1 is harder because it starts earlier in life, but a number of insurers still offer coverage, usually at a higher price.
If control has been difficult
When A1C is high or complications are present, simplified issue and guaranteed issue policies are the usual fallback. They cost more per dollar of coverage, and guaranteed issue policies have a waiting period before the full benefit applies.
How to prepare
Have your latest A1C, your medication list and your doctor's contact details ready before you call. Insurers differ a lot on diabetes, so speaking with an agent who works with several of them usually gets a better result than applying to one at random.
Common questions
Will I need a medical exam?
Not always. Many policies use health questions and record checks. An exam can work in your favor when your numbers are good.
Does using insulin mean I will be declined?
No. Insulin use affects pricing with many insurers, but it does not by itself rule out coverage.
This page is general information, not insurance, legal or tax advice. Policy terms, eligibility and pricing vary by insurer and state. A licensed insurance agent can explain the specific products they offer.