How Treatment Affects a Diabetic’s Life Insurance Premium

At our main Life Insurance for Diabetics resource page, we discuss the primary factors that affect a diabetic’s life insurance premium, which are:

  1. Type of Diabetes
  2. Height and Weight
  3. Average Glucose Reading
  4. Treatment – Covered in this article.

In this fourth and final article in the series, we’ll examine whether the type of treatment affects a diabetic’s life insurance premium.

How Type of Treatment Affects Life Insurance Cost

There are generally three types of treatment for diabetes:

  • Insulin
  • Oral Meds
  • Diet and Exercise


If you use insulin, don’t fret.  You can still most likely qualify for affordable life insurance, especially if you have type 2.  (See how types of diabetes affects your premium.)

If you have type 1, it will cost about double, in most cases, the Standard life insurance rating.  Standard is reserved for those who are deemed to have an “average life expectancy.”

However, for type 2 diabetics who take insulin, you still may be able to be approved for a Standard rating.  It may be true that diabetics who use insulin have a bit more serious case of diabetes than those who are treated with oral meds, but that’s not always the case.

Sometimes, doctors simply don’t prescribe oral meds because they don’t believe in them, and know and understand how to effectively control diabetes with the use of insulin.  The main factor is not whether you take insulin or not, but how well controlled your blood sugar is.  Generally speaking, if your A1c is below 7.5, you should be able to get a Standard rating regardless of type of treatment.

Oral Medication

It’s becoming all the more common to treat diabetics with oral meds.  Oral medications are sometimes associated with less serious cases of diabetes, and I would have to agree with that.

Most of the diabetics I talk to who are treated with oral medication have very low A1c levels, generally in the 6.0 to 7.5 range.

If that’s the case, you should easily be able to qualify for a Standard rating, and possibly even better.  The only exceptions to that would be if you were diagnosed at an early age (prior to age 40) or if you have other medical conditions.

Diet and Exercise

People who are advised by their doctors to monitor their diet and exercise typically have very mild cases of diabetes, or may even be what’s called “pre-diabetic”.

Unfortunately, life insurance companies don’t cut much slack to “mild” diabetes cases, so even if your case is mild, you will still be approved at a Standard rating, in most cases.

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