Life Insurance A1c Levels & Diabetics 2024 Guide

When it comes to life insurance and your a1c levels if you are diabetic you can still qualify for affordable life insurance with standard rates and you do not have to worry about higher premiums.

We help clients every day with type 1 or type 2 diabetes qualify for life insurance. We help 90% of our clients qualify for a level death benefit.

Your levels show how well your diabetes is managed therefore a carrier looks more favorably at a consumer that manages their levels than someone who doesn’t.

According to

Only 26% of adults in the U.S. met their care goals.

This is why it is important to manage your diabetes and get your a1c tested regularly as well as your blood sugar level’s and blood glucose level’s

Good News

The good news is life insurance with a1c levels is still easy to qualify for. The key is to get coverage with carriers that use easy underwriting for your approval which is exactly what we do here at ParamountQuote.

We are going to cover everything you need to know about life insurance a1c levels & diabetics in this article.

Final Expense Life Insurance Does not ask About A1c Levels

When it comes to whole-life funeral insurance the life insurance company will never ask about diabetic A1c levels.

This is because final expense life insurance is a whole life insurance policy that offers coverage between $2,000 – $50,000 in most cases.

This means when the life insurance company is offering this kind of coverage they will not do a medical exam because the coverage is significantly lower than term life insurance.

The only thing they life insurance company will do is ask you health questions on their application and check your medical and prescription history to make sure your answers line up.

If you are diabetic and need life insurance the only thing they ask about on their applications in mosts cases is diabetic complications.

This would be anything from a diabetic coma, insulin shock, or amputations due to diabetes.

If you have had these complications you can still get funeral insurance but depending on which condition occurred you may need to get a guaranteed life insurance policy that has a 2-year waiting period.

Our goal is to help you find life insurance for your funeral that does not have a waiting period but if we can’t we will tell you so.

Life Insurance A1c Levels Life Insurance Options

Whole Life Insurance

The best life insurance option for diabetics to get approved regarding a1c levels is Simplified Issue Whole Life Insurance is also known as Final Expense Life Insurance or Whole Life.

These policies are marketed as burial insurance but can be used for any end-of-life expenses. Their easy underwriting makes getting qualified even with health issues like insulin-dependent diabetes or gestational diabetes simple.

This is the best life insurance for diabetics as it makes getting approved easy and reduces your chances of getting a policy with a waiting period of time to receive benefits slim to none.

They do not require a medical exam they simply look at your medical history through your Medical Information Bureau Health report and a prescription check.

Term Life Insurance

This type of coverage is much harder to get approved for considering the much more difficult underwriting process.

With term life, they will look at your whole history of health conditions and send a medical expert to your home to perform a medical exam.

They draw blood and have you perform a physical test to determine if you qualify for their product.

It can take weeks to even hear back about an approval this product makes getting approved for life insurance with your a1c levels considered very difficult.

We have seen many of our clients get declined for term policies due to small issues with their diabetes this is why we typically do not recommend term coverage to our diabetes clients especially senior clients.

Life Insurance A1c Levels Life Insurance Coverage Benefits

Let’s go over the 3 main benefits of the life insurance companies we have here at ParamountQuote.

When it comes to life insurance there are 3 main key benefits to consider.

  • Are they A-Rated?
  • How long have they been in business?
  • Do they have a great track record?


This is the highest rating a carrier can get in the industry they get this rating by making sure they pay out on legitimate claims and maintain good standing with their clients.

This is a rating that is earned by them. It indicates their value and high customer satisfaction.

How long have they been in business?

Many insurance carriers do not last over 50 years. If a carrier has been in business for over 50 years or more then you can be confident they will be in business long after you pass away and pay out the death benefit to your family.

The longer a carrier has been around the more reputable they become to the point of becoming a household name.

Do they have a Great Track Record?

The track record of a carrier is very important. The more solid record they have of paying their clients claims the more trustworthy they become.

This also factors into their A-rating a lot of carriers out there that have bad ratings usually receive them because of denying legitimate claims to their families. This is why those carriers will have lower ratings below an A.

Does Oral Medication Affect My Eligibility?

Above all, simplified issue policies will accept many diabetes medications. In most cases, diabetes medications do not matter to life insurance companies.

The only time it does is if the medication is used for some other health condition. In those cases, it can cause a potential problem.

Furthermore, insurance companies do recognize this so they will during the application process ask about any particular medication and if it was prescribed for the other health condition it is commonly used to treat.

For Example:

Gabapentin – This drug is used to treat diabetic neuropathy but it is also used to treat nerve pain in general.

So a carrier would ask:

“The prescription provider has indicated you have been prescribed Gabapentin. Have you ever been diagnosed with diabetic neuropathy?”

If you were to answer no then you would still be able to get approved. They just wanna know if it was prescribed for any conditions listed on their application that’s it.

This is something one of our agents would go over with you at the time of you applying for coverage.

Acceptable Medications

  • Metformin
  • Sulfonylureas
  • Glinides
  • Thiazolidinediones
  • DPP-4 inhibitors
  • GLP-1 receptor agonists
  • SGLT2 inhibitors
  • Glipizide
  • Glimepiride
  • Glyburide
  • Saxagliptin
  • Sitagliptin
  • Linagliptin
  • Alogliptin

With life insurance companies, easy underwriting none of those medications above would result in a decline. The carrier is only concerned with how well your diabetes is managed.

If they see things like diabetic coma or insulin shock or amputations caused by the disease or nephropathy resulting in kidney disease and dialysis then this becomes a problem.

Furthermore, you would still be able to get approved for coverage even with poorly managed diabetes it would just result in a waiting period policy in some cases.

How to begin Applying for Life Insurance

Applying for life insurance is very simple.

Fill out the form to your right with some basic information such as your email, date of birth, and telephone number.

Once you fill out the form you will see rates from whole life insurance carriers. After that, you will receive a call from one of our licensed agents and they will confirm the information you provided.

Then they will begin field underwriting for your policy this means they will ask you health questions pertaining to your diabetes and about the current prescriptions you are taking.

Our agents will ask about:

  • Diabetic Neuropathy
  • Diabetic Nephropathy
  • Insulin Shock
  • Diabetic Coma

Furthermore, they will ask about the time frames of any of those conditions. After the health questions, they will determine your rate class. After that, they will confirm the amount of coverage being applied for and begin the enrollment process.

There are 2 ways to enroll:

  1. Voice Signature – This is done between you, the agent, and the insurance company. The insurance company will ask you the health questions on their application and you will answer with a simple yes or no. After the health interview is complete the carrier will ask for your voice signature on all of the necessary forms.

An instant decision of approval or denial is reached right then over the phone.

  1. Email Signature – The agent will send you an email with a DocuSign link. You will click the email and follow the prompts to sign all the necessary forms for the document.

An instant decision of approval or denial is reached right there on the phone.

The process only takes 30 minutes and you are approved that’s how fast and easy the application is.

The agent you work with will also become your personal advisor for life to assist with any questions or policy services you may need.

Here at ParamountQuote, we pride ourselves on our advanced training as well as our long-standing relationships with our clients.

We are in it for the long haul when your work with us, we will hold your hand every step of the way throughout the process to make it as quick and easy as possible. Our agents are on call 10 hours a day for anything you may need.

Fill out the form to your right to get started and speak with one of our agents.