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| Still, this doesn't mean that you can't get coverage. Chronic conditions are a bigger deal to companies who are smaller or who only sell life policies. Odd cases aren't something these companies are set up to deal with cheaply. Here are some tips to finding the lowest rate on life insurance, diabetes or not. Whether you have type 1 or type 2 diabetes, you're considered higher risk because the condition is considered a liability to an insurer, and they have to protect themselves -- they don't actually want to pay out more than you pay in. Diabetes isn't as big of a deal to some insurers -- small, private companies that sell several types of policies. Being in good health otherwise will help -- i.e. As with anything, shopping around is key. Diabetes will definitely not KEEP you from getting a policy, but it may make it a bit more expensive. It's all in the percentages, and diabetics have lower percentages. Life Insurance Guide For People With Diabetes Some conditions can make it tough to get life insurance. If you're a nonsmoker, if you're young when you apply, if you take care of yourself, and so forth. |