# Buying Life Insurance After a Diabetes Diagnosis
Author:  Pal Sinha, Barnali 
Author URL: https://financedigest.com/author/pal-sinha-barnali
Published: 2022-08-16
Category: FINANCE
Category URL: https://financedigest.com/category/finance
Meta Title: Life Insurance for Diabetics: Lower Rates and Coverage Tips
Meta Description: Learn how to lower your insurance rates and secure a policy as a person with diabetes. Find out about diet, exercise, and medical strategies for managing your
URL: https://financedigest.com/buying-life-insurance-after-a-diabetes-diagnosishtml

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Being diagnosed with a chronic health condition is an experience that can only be understood if you have gone through it yourself. There are a million thoughts that run through your mind, and it is a complex topic that encompasses so many different aspects of your life.

Having a preexisting condition like diabetes is both physically and mentally taxing on the patient. Affected persons are constantly fretting about how many [years the disease is taking off of their life](https://www.financedigest.com/why-companies-need-to-rethink-retirement-tips-for-ensuring-a-happy-life-in-later-years.html "Why companies need to rethink retirement – Tips for ensuring a happy life in later years"). They think about whether they need to worry about how long they will be around to provide [financially for their spouse and children](https://www.financedigest.com/why-teaching-your-children-financial-literacy-from-a-young-age-will-set-them-up-for-success.html "Why teaching your children financial literacy from a young age will set them up for success").

[Term insurance for higher risk people](https://clearsurance.com/blog/best-life-insurance-companies-that-specialize-in-higher-risk) can be affordable if you can prove to your life insurance company that you are putting in the work to maintain your symptoms and improve your lifestyle in the wake of the diagnosis. Diabetes is a chronic condition, so keeping up with it is an excellent [way to lower your insurance](https://www.financedigest.com/predictive-analytics-a-new-way-of-insuring-success.html "Predictive analytics: a new way of insuring success") rates as you get older and become more of a risk.

We’ll look at some ways you can diet and exercise, go to the doctor, and educate yourself on your diabetes diagnosis. We’ll see how all these factors affect your potential [life insurance](https://www.financedigest.com/types-of-life-insurance.html "Types of Life Insurance") policy as a person with diabetes.

**What is diabetes?**

Diabetes is a chronic disease in which the patient suffers from insulin resistance. They are unable to properly process the glucose in the body, putting strain on the pancreas. There are two [types of diabetics](https://www.financedigest.com/digital-inclination-to-drive-the-inadequately-controlled-type-ii-diabetes-treatment-market.html "Digital Inclination to drive the Inadequately Controlled Type Ii Diabetes Treatment Market").

- **Type 1 diabetics** are insulin-dependent. They need insulin shots daily because their body doesn’t produce any insulin anymore.
- **Type 2 diabetics** can often create their insulin — just not enough to metabolize the sugar entering the bloodstream like a non-diabetic person would be able to.

There is no known cure for diabetes at this point, but the strategies and methods of fighting the illness are more advanced than ever, leading to [healthy and fulfilling lives](https://www.financedigest.com/healthy-lifestyle-benefits-a-guide-to-better-living.html "Healthy lifestyle benefits – a guide to better living") for people of all ages diagnosed with it.

Changing your diet, getting more exercise, taking advantage of a [good night’s sleep](https://www.financedigest.com/technology-driven-mattress-styles-that-improve-your-sleep.html), and keeping up with any prescribed medications are all great ways for diabetic patients to monitor and attack their condition head-on.

Diabetes can be a mentally draining condition, and being diagnosed during the pandemic can compound [mental health](https://www.financedigest.com/supporting-your-employees-mental-health-wfh.html "Supporting Your Employees Mental Health WFH") problems presented during this time. Everyone is thinking more about their [mortality right now](https://www.financedigest.com/has-the-pandemic-triggered-society-to-re-think-later-life-planning.html), which means deciding whether they need to be more urgent in preparing for their futures.

[Life insurance is definitely an option that people](https://www.financedigest.com/life-post-brexit-people-must-take-precedent.html "Life post Brexit – people must take precedent") with chronic diseases like diabetes should think about signing up for. However, folks with preexisting conditions are prone to higher [rates and more haggling with life insurance](https://www.financedigest.com/how-insurtech-is-helping-to-lower-car-insurance-rates.html "How InsurTech is Helping to Lower Car Insurance Rates") agents.

**Can you get [life insurance](https://www.financedigest.com/life-insurance-why-is-it-so-important.html "LIFE INSURANCE: WHY IS IT SO IMPORTANT?") with diabetes?**

You absolutely can get [life insurance](https://www.financedigest.com/life-insurance-for-seniors-can-be-a-costly-mistake.html "Life Insurance For Seniors Can Be A Costly Mistake") with diabetes. Everyone with diabetes should be [thinking about their future](https://www.financedigest.com/the-pull-of-the-past-1-in-5-keep-items-they-think-will-be-valuable-in-the-future.html "The pull of the past! 1 in 5 keep items they think will be valuable in the future") and how it will impact their loved ones because they are more prone to life-ending complications.

People with diabetes are at a higher risk for heart attack, stroke, and other fatal [health issues because too much glucose in the bloodstream leads to the entire body acting out and displaying physically taxing](https://www.financedigest.com/are-there-tax-breaks-for-business-health-insurance.html "Are there tax breaks for business health insurance?") side effects.

At the same time, [insurance groups are aware](https://www.financedigest.com/being-aware-of-the-insurance-blind-spot-when-it-comes-to-driverless-cars.html "Being aware of the insurance blind spot when it comes to driverless cars") of the higher risk of taking on a diabetic client.

They are more likely to have to give a payout to the policyholder than a non-diabetic individual, but that [doesn’t mean](https://www.financedigest.com/making-sure-that-finservs-digital-transformation-doesnt-mean-digital-exclusion.html "Making sure that FinServ’s digital transformation doesn’t mean digital exclusion") they are unwilling to work with diabetic patients. If they turned away everyone with illnesses, they would have a much harder [time getting customers](https://www.financedigest.com/uk-and-eu-reach-post-brexit-customs-deal-for-n-ireland-the-times.html "UK and EU reach post-Brexit customs deal for N.Ireland-The Times").

[Insurance companies](https://www.financedigest.com/incentive-fm-wins-contract-with-global-insurance-services-company.html "Incentive FM wins contract with global insurance services company") want to make sure that diabetic people who sign up are taking care of themselves and trying their hardest to fight the disease. This means they will be more accepting of people [with diabetes who exercise](https://www.exercise.com/learn/personal-training-for-diabetics/), eat well, take their insulin and pills, and have regular doctor appointments.

An A1C under 7 is also a huge plus. This is the average [score of all your blood sugar readings over the last three months and gives a great idea](https://www.financedigest.com/1-in-5-uk-adults-have-no-idea-what-a-credit-score-is.html "1 in 5 UK adults have no idea what a credit score is") of blood sugar control to a healthcare provider.

A more in-depth example might be more instructive for an audience that isn’t so familiar with diabetes.

If a patient has an A1C of 6.5, goes to the doctor every three months, works out at a gym four times a week, and eats lots of nutritious proteins that are low in carbohydrates, they will get good insurance rates from a [life](https://www.financedigest.com/what-type-of-life-insurance-policy-is-right-for-me.html "What Type of Life Insurance Policy Is Right For Me?") insurance company.

Suppose a patient has an A1C of 8.5. They only go to the doctor once every two or three years, seldom exercise, and eat at a hamburger restaurant every other night. They will be [charged a small fortune on life](https://www.financedigest.com/trump-charges-bring-new-york-zombie-case-back-to-life.html "Trump charges bring New York ‘zombie case’ back to life") insurance premiums because they are a high risk for the company.

Age is also an [essential factor](https://www.financedigest.com/essential-factors-to-consider-before-purchasing-a-cobot.html "Essential Factors To Consider Before Purchasing A Cobot"). If the patient is in their 20s, they are less likely to die from any illness than someone in their 60s. Let’s talk a little more about that because some people believe that young folks can’t be diagnosed with diabetes.

**Does diabetes affect all age groups?**

Diabetes absolutely affects all age groups, and a [diagnosis at a young age](https://medium.com/the-ascent/coping-with-type-2-diabetes-at-24-8ff571f31fa4) can be especially devastating. Many type 1 diabetics are diagnosed during childhood — so much so that it has been nicknamed juvenile diabetes in popular culture.

Type 2 diabetes is definitely rising in [young adults](https://www.financedigest.com/british-covid-trial-deliberately-infecting-young-adults-found-to-be-safe.html "British COVID trial deliberately infecting young adults found to be safe"), and if they have families, they should think about how to prepare.

Just because you are young doesn’t mean you should ignore the potential complications that will follow you as you get older. [Pay attention](https://www.financedigest.com/why-should-investors-be-paying-more-attention-to-open-source-software.html "Why should investors be paying more attention to open source software?") to your disease and you will have a better life in older age.

Embrace your [condition and do everything in your power](https://www.financedigest.com/condition-monitoring-service-market-buoyant-with-flourishing-power-generation-industry-adoption-exhibits-a-notable-decline-amid-covid-19-pandemic-fmi.html "Condition Monitoring Service Market Buoyant with Flourishing Power Generation Industry; Adoption Exhibits a Notable Decline Amid COVID-19 Pandemic: FMI") to stay positive mentally. This [mindset will have a tremendous impact on your decisions to change](https://www.financedigest.com/a-mindset-change-is-needed-in-the-financial-services-industry.html "A mindset change is needed in the financial services industry") your lifestyle and give you a better chance at a long and prosperous life.

![Shawn Laib writes and researches for the life insurance comparison site](https://prod.superblogcdn.com/site_cuid_cm5qst7v3003gwirgwqtxn8i8/images/shawn-laib-1736815463824-compressed.jpg)

**_About Author:_**

_Shawn Laib writes and researches for the life insurance comparison site,_ [_Clearsurance.com_](https://clearsurance.com/) _. He enjoys helping people who are struggling through a medical diagnosis._


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