Life Insurance Rates for Diabetics Fall to All-Time Lows

DARIEN, Illinois (November 01, 2017) –, the online life insurance price comparison service that offers instant quotes from 50 respected life insurers and allows customers to buy from any company shown, today released the results of a new life insurance survey that confirms a wide range of cost-effect life insurance plans for individuals with controlled diabetes and that rates for diabetics are at all-time lows.

According to the American Diabetes Association, nearly 30.3 million Americans or 9.4% of the population had diabetes in 2015. Another 84.1 million age 18 and older have pre-diabetes and are at risk for developing type 2 diabetes.

“These are the lowest life insurance rates we’ve seen in the 25 years we’ve been tracking such rates. We conducted a fresh survey in preparation for November in recognition of National Diabetes Month and the results show that a robust and competitive life insurance marketplace exists for individuals with diabetes who are stable and compliant with their doctor’s instructions,” said founder and CEO, Robert Bland. “We hope that our findings will help individuals affected by diabetes who are also searching for the best buys in life insurance.”

Assuming no other ratable health conditions, the chart below reveals the best possible monthly prices for type 2 diabetic on a 20-year, medically underwritten, level term life policy that covers death by any cause, at any time, in any place, except for suicide within the first two policy years (one year in some states). The sample 20-year term life rates shown require initial medical underwriting and are also renewable, without evidence of insurability, to age 90+ and some plans are convertible to permanent insurance without having to undergo any further underwriting.

Sample 20 Year Term Life Premiums for Type 2 Diabetics
Female Monthly Rates
Sample 20 Year Term Life Premiums for Type 2 Diabetics
Male Monthly Rates

Robert Goss, Executive Vice President, said, “The 20 year level term policy is our #1 seller. Other rate guarantee plans such as 10, 15, 25, 30 year and level-for-life are available at”

All of the sample premiums shown require a signed application, a paramedical interview, a review of the applicant’s medical records, and acceptance by each underwriting company. “It’s clear to see that peace-of-mind coverage is available to diabetic applicants at very attractive rates,” said Goss.

According to the CDC, there are two main types of diabetes: type 1 and type 2. Type 1 develops when the immune system destroys pancreatic beta cells – the only cells in the body that make insulin, a hormone that controls blood sugar. People with type 1 diabetes typically receive regular insulin via injection or pump. Type 1 diabetes usually strikes children and young adults, and accounts for around 5 percent of diabetes in the adult population.

The other 90-95% of diagnosed diabetes cases in the US adult population is of type 2, which usually starts as insulin resistance, where cells cannot use insulin properly, and eventually the pancreas loses its ability to make it.

Life insurers vary widely on how they underwrite and assess those with diabetes, which underscores the importance of shopping around and in making sure to deal with a knowledgeable agency that represents many insurers.

Instant life insurance quotes for both type 1 and type 2 diabetics are available at Customers can now quote anonymously and buy online in total privacy or obtain personalized service and advice from our licensed phone agents.

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About is an insuretech pioneer that caters to self-directed life insurance shoppers at The company's innovative technology allows customers to instantly view quotes from 40 insurers and buy from the company of their choice on a paperless basis. The company's comparative rater also reveals underwriting guidelines for improved accuracy. More than 390,000 people have purchased policies through since the firm's founding in 1984. According to Data Bridge Market Research, the insuretech market is expected to witness market growth at a rate of 42.4% in the forecast period of 2021 to 2028 and is expected to reach $46 billion by 2028.

Survey Methodology

Life insurance policies described, quoted, shown and illustrated in this press release may not be available in all states and certain terms may vary by state where required by state law. The supplemental policies described provide limited benefits and are NOT comprehensive health insurance or major medical insurance and they do NOT satisfy a person's individual obligation to secure the requirements of minimum essential coverage under the Affordable Care Act (ACA). For more information about the ACA, refer to Policies examined include American Family Life Insurance Company, Madison, WI, policy form ICC14-LD10001; American National Insurance Company, Galveston, TX, policy form ART 12; Assurity Life Insurance Company, Lincoln, NE, policy form I L1702; Banner Life Insurance Company, Urbana, MD, policy form ICC08-LIA, and William Penn Life Insurance Company, Garden City, NY, policy form LIA-WP, both Legal & General America companies; Foresters Financial of Toronto, Canada, under form ICC16 770620; Haven Life Insurance Agency, Issued by C.M Life Insurance Agency, LLC, a subsidiary of Massachusetts Mutual Life Insurance Company (Mass Mutual) of Springfield, MA. Policy form # ICC19PCM-SI 0819); Lincoln Life & Annuity Insurance Company of New York, Syracuse, NY, policy form LEF06321-18_7-10, and The Lincoln National Life Insurance Company, Fort Wayne, IN, policy form LEF06321_5-12, both insurance company affiliates of Lincoln National Corporation, whose marketing name is Lincoln Financial Group; John Hancock Life Insurance Company (U.S.A) of Boston, MA 02117, on policy form number ICC16 2016TERM and John Hancock Life Insurance Company of New York, Valhalla, NY 10595, Minnesota Life Insurance Company and Securian Life Insurance Company of St. Paul, MN under policy number F76777-15; Pacific Life Insurance Company of Newport Beach, CA, policy form P16YLT. North American Company for Life & Health Insurance, Chicago, IL, policy form LS174; Penn Mutual Life Insurance Company of Horsham, PA, under policy form ICC13-LT; Principal Life Insurance Company of Des Moines, IA, under policy form ICC17 SN 104; Protective Life and Annuity, Birmingham, AL, policy form TI-15; Pruco Life Insurance Company of New Jersey, Newark, NJ, policy form ORD 96200-2010, me