Life Insurance and Diabetes

Life Insurance and Diabetes

Diabetes mellitus (sometimes called “sugar diabetes”) is a condition that occurs when the body can’t use glucose (a type of sugar) normally. Glucose is the main source of energy for the body’s cells. The levels of glucose in the blood are controlled by a hormone called insulin, which is made by the pancreas. Insulin helps glucose enter the cells.  In diabetes, the pancreas does not make enough insulin (type 1 diabetes) or the body can’t respond normally to the insulin that is made (type 2 diabetes). This causes glucose levels in the blood to rise, leading to symptoms such as increased urination, extreme thirst, and unexplained weight loss.Diabetes can make life insurance buying challenging, however it is not impossible. You are advised to work with a broker who is research oriented and focussed towards understanding your need and lifestyle to the fullest. Lifestyle and diet are important in the life of a diabetic person.

Depending on the type of insurance, the amount and the insurance company, a diabetic could be declined or he or she could be rated. A rated policy is when the diabetic person is asked to pay a higher premium for the amount of insurance.

What do the insurance companies generally see in a diabetic person applying for life insurance:

  1. Is the person insured insulin dependent,
  2. What are the insulin control levels on the A1c Hemoglobin Test,
  3. What age was diabetes diagnosed? ,
  4. Height and Weight which calculates your BMI ( body mass index) and fat content,
  5. Lifestyle of the person with diabetes. Is it an active or a sedentary lifestyle, diet etc.
  6. How long have you had diabetes and is it under control with medication
  7. Any related damage due to diabetes such as renal damage, kidney failure…
  8. The insurance company that is looking at the person insured. Even though most insurance companies have similar guidelines but their approach may vary from case to case.

Hence a person with diabetes can try a traditional or a non-medical route to get life insurance. It is usually better to first apply for non-medical insurance and then apply for a traditional insurance.

We as brokers specialise in non-medical and guaranteed issue policies.

We at are experts in explaining the the various types of life insurance that could protect the entire family. Please feel free to contact us at or at 1 416 509 2540. Please visit us for a no obligation quote or advice.

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Prepared by: Aman Kapur

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