However, it will depend on several factors including your current health, age, and answers to some questions about your diabetes, including
1. Has there been any weight change of ten pounds or more within the last year?
2. If so, what is the reason for your change in weighty?
3. When were you diagnosed with diabetes?
4. Are you controlling your diabetes through proper diet and exercise?
5. Are you using all medications recommended by your doctor?
6. Are you using any form of insulin?
7. Have you had any chest pains or coronary artery disease?
Remember sometimes diabetes with weight and these other ancillary diseases, can complicate it - this is referred to as "multiple impairments".
8. Is it Type 1 Diabetes or Type 2 Diabetes?
9. Is your diabetes controlled by diet and exercise?
10. Is your diabetes controlled by insulin?
11. Do you have adult onset diabetes?
Most people with diabetes can qualify to purchase a life insurance plan.
However, children with Type 1 diabetes are the exception. It can be very difficult to find a life insurance policy for them until they are at least age 18.
This is a good reason to add your children to a child rider or get them a life insurance policy of their own while they are very young, especially if diabetes runs in your family.
The types of policies that you can get while having diabetes can vary.
Life insurance company underwriters assessing your risk will look at your history of diabetes control, with A1C being the dominant indicator, but also at whether you have any current health complications such as neuropathy, heart disease, or kidney disease.
The insurance company will consider your age of diagnosis, the length of time you have had diabetes, and the types of treatments you have had for your diabetes.
Here's how to learn more about life insurance with diabetes.