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Non-Medical Exam Life Insurance for Diabetics


non-medical exam life insurance for diabetics

It is very important to have life insurance for yourself, especially if you are diabetic. You may think that in order to be eligible for diabetes life insurance, you have to undergo a medical exam. This is not true. It is very possible for people living with diabetes to find affordable life insurance coverage, and there are actually many choices of coverage for them. You may be eligible for non-medical exam life insurance for diabetics.

What Is Non-Medical Exam Life Insurance for Diabetics?

Non-medical exam life insurance, also known as no exam life insurance, is an option that relieves the stress of shopping around for life insurance.The majority of life insurance companies often require the applicant to have a medical exam completed by a physician before qualifying for a life insurance plan. This is because life insurance companies do not want to insure people who are going to pass away or have any major health issues in the near future. From the insurance company’s point of view, it is very important that you are in good health, or in fairly good health. Instead of taking a medical exam for the insurance company, you’ll most likely have to have a phone interview with your insurance agent and an insurance company underwriter/screener after completing a written questionnaire. The insurance company will also usually look at your records, such as medical records, motor vehicle records, and pharmacy database.

Who Qualifies for Non-Medical Exam Diabetic Life Insurance?

Believe it or not, almost everybody qualifies for some type of non-medical exam life insurance. However, people who typically purchase non-medical exam life insurance tend to fall under one of the following categories: People with “white coat” syndrome who want to escape the stress of a medical exam and dread getting poked with a needle during a blood draw, People who have a very busy lifestyle and/or cannot make any time to schedule an exam, People needing insurance in a hurry for a purpose, such as to collateralize a loan, and People who only require a smaller amount of life insurance (less than $500,000).

If you have Type 1 diabetes or you are an insulin-dependent diabetic, diagnosed before the age of 30, you will typically face the largest challenges for qualifying for life insurance coverage. The insurance approval process is more picky if you are a type 1 diabetic using an insulin pump. This is because of the possibility that your blood sugar could easily spike to dangerous levels if you were to miss a treatment or if your body were to simply stop responding to treatment. Insurance companies will typically only approve type 1 diabetics who: 1) are not more than 50 pounds overweight based on clinical charts and 2) demonstrate well-controlled blood sugar (an A1C of 6.9 or lower).

It is typically easier to qualify for life insurance for Type 2 diabetics. Some life insurance companies are much more lenient with applicants who are able to control their diabetes through diet and exercise and/or with an oral diabetes medication. If you do not require insulin to control your blood sugar, there are potential workarounds for getting a competitively priced policy approved with “underwriting credits.” Type 2 diabetics with an A1C of 7.0 or lower will usually have an easier time finding the most affordable life insurance and may even qualify for Standard or Standard Plus rates depending on the age of diagnosis.

Life insurance companies look at diabetes as a progressive disease. This means that the longer you have had it, the more susceptible you are to complications from the elevated blood sugar, and thus the more risky you are to insure. This is part of the reason why type 1 diabetics who were diagnosed early in life (usually before age 30) have a harder time getting insured than type 2 diabetics who were diagnosed after 30 and are able to better control their condition.

Pros & Cons of Non-Medical Exam Life Insurance


  • No needle sticks, blood draws or doctor’s appointments
  • Faster decision (Some get approved in just a few minutes, but most get approved within 72 hours)
  • Convenient
  • Less scrutiny


  • Higher costs (about 30-50% higher than those that require an exam)
  • Limits on coverage (After the age of 65, no exam term life insurance is very expensive and are typically limited to a death benefit of $50,000 or less.)
  • Possible waiting period for full coverage
  • Riskier payout in first two years
  • Some policies increase in cost every 5 years (including some AARP life insurance) and end at age 80.

Common Types of Non-Medical Exam Life Insurance for Diabetics

The most common life insurance options that do not require a medical exam include:

Term Life Insurance

If you’re between the ages of 21 and 65 you can purchase a policy without an exam for up to $500,000 in death benefits. The rates for term life insurance for diabetics are fixed and are available in 10, 15, 20, and 30 year terms.

Guaranteed Universal Life Insurance (GUL)

Guaranteed Universal life insurance policies offer a fixed death benefit of up to $500,000 with a fixed monthly cost guaranteed not to change as you get older. GUL’s are available for applicants between the ages of 21 and 65, and also known as term-to-100 policies because these policies offer rates and coverage that is guaranteed until the age 100 or later. These policies are a great alternative to expensive non-guaranteed universal life insurance policies because they are not a risky investment and do not require additional funds to build a cash value.

Level Death Benefit Whole Life

These policies tend to be expensive, but if your health is average or better, they are the most convenient to buy. Even though level death benefit whole life insurance policies are usually available to people in better than average health, a medication for blood pressure, cholesterol, or both will not prevent you from being approved. In fact, we have also received approvals for well-controlled type II diabetics. These policies are available for up to $50,000 in death benefits and they usually expire at age 80. Remember these policies are on the pricey side, so if you are looking to purchase one, we will usually recommend a GUL in this situation.

Guaranteed Issue Life Insurance (GI)

Guaranteed issue policies offer up to $25,000 in death benefits for those who are between ages 50 and 85 and have serious health issues. These policies are the ones that you normally see advertised on TV by celebrities or AARP and they tend to be expensive for the amount of coverage you receive because “no health questions are asked.”

Graded Benefit Whole Life Insurance

Those with very serious health issues such as type I diabetes, cancer, or heart disease, may qualify for up to $25,000 in death benefits. Although there is a two year waiting period for beneficiaries to receive the full death benefit and the cost of these policies are high, their premiums are guaranteed for life.

To get a free quote for non-medical exam life insurance simply fill out the form on the right hand side of the screen.