Contact Us Health Insurance Quote 繁體中文 Reviews

Diabetes Type 1

Life Insurance for People with Type 1 Diabetes Using Medications like Sulfonylureas, Metformin, Meglitinides, etc.

We're Here to Help

Finding a Policy Doesn’t Need to be Difficult
It’s not easy to find an insurance policy when you’re dealing with health issues like Type 1 Diabetes. Many insurance companies decline Type 1 Diabetes coverage, but at our brokerage, we are happy to help and will find you your most affordable option. Instead of trying to find a policy yourself, let us help you narrow your options. We are familiar with many impaired risk life insurance companies, making us well-equipped to find you the best rate possible.

When you have type 1 diabetes, it may change how you feel about having insurance and protecting yourself and your family. However, finding the right life insurance company that will look at your case with leniency can be very difficult. You may have heard that you can’t get a good health classification or that you may even be declined because of your diabetes.

However, life insurance companies all view health conditions differently, and there are numerous factors involved in determining your rating class. We are experienced in gathering pertinent information to help portray your condition in the best light to insurance companies. From there, we are familiar with which companies are more willing to offer better rates to people who other companies may consider “high-risk” applicants.

We have high-risk experts on our team who can help you shop through all your life insurance options to help you find your best rate.


Type 1 Diabetes and Life Insurance

This is the information we need before we can start looking for your best rate:

  • Current and past a1c levels
  • Age when diagnosed
  • Insulin type: Novolog, Lantus, Humulin, Humalog, Apidra
  • How many units per day?
  • Do you take any other medications?
  • Do you have any diabetic complications?
  • Your height/weight
  • Do you have any other health issues?

If you have your diabetes under control, you can obtain an affordable rate under these conditions:

  1. Compliance with medications and medical testing: Having proof of consistent follow-ups looks good to insurance underwriters.
  2. No diabetes-related complications: If you have very serious eye, foot, or skin complications as a result of type 1 diabetes, you may have to settle for a graded death benefit policy.
  3. Juvenile type 1 diabetes: You must be over the age of 30 and have consistent a1c levels below 7.
  4. Adult-onset type 1 diabetes: It must be a year since your diagnosis and you must have a1c levels below 7.

Skipping the Medical Exam

You also have the option to skip a medical exam. Although these options tend to be more expensive, they are always an option and will cover you immediately.

Some agents don’t look into the details of your case, so they’re ignoring factors that might increase your chances of getting a good rating classification. On the other hand, we are specialized agents in high-risk insurance. As a brokerage, we are only interested in helping you find your best insurance options. Don’t hesitate to give us a call at 212-484-9888 for some peace of mind in knowing you’re getting the best rate.