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.

Past Accolades for

  • 2023: reaches 410,000 customers 
  • 2023: celebrates 130,500 Home Page Customer Reviews averaging 4.68 Stars 
  • 2023: celebrates 2,300 Google Reviews averaging 4.8 Stars 
  • "Life Insurance Innovation" award winner... Life Insurance Direct Marketing Association 
  • "The premier Web site in terms of details and ease of use..." -- Yahoo! FINANCE 
  • Twice Ranked #1 life insurance website by Kiplinger's 
  • Named a "100 Most useful website" by MSN Money 
  • Past Winner: Forbes' "Best of the Web" 
  • "The best website I've found..." -- Dallas Morning News 
  • "...we'd recommend you do your insurance shopping here..." -- Barron's 
  • "...outstanding - as good as a Web site on insurance can possibly be. Hats off and a gold star to the top insurance site on the Web." -- Insurance for Dummies 

Survey Methodology

Fifty leading life insurers rated “A” or better were polled as to how they underwrite breast cancer survivors for a California resident. Rates may differ in New York. Life insurance policies described, quoted, shown and illustrated throughout this press release may not be available in all states. 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; Haven Life, a subsidiary of Massachusetts Mutual, Springfield, MA, policy form ICC19PCM-SI 0819; Pacific Life Insurance Company, Omaha, NE, policy form ICC18 A18LYAP Protective Life Insurance Company, Birmingham, AL, policy form ICC12-400 and Protective Life and Annuity in NY under policy form PL-400- NY; Pruco Life Insurance Company of New Jersey, Newark, NJ, policy form ORD 96200-2010, member companies of Prudential Financial, Inc., Newark, NJ; The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn, MA, policy form ICC17-A-91 (SBLI and The No Nonsense Life Insurance Company are registered trademarks of The Savings Bank Mutual Life Insurance Company of Massachusetts, Transamerica Financial Life Insurance Company, Harrison, NY, policy form APA 40NY- 107 and Transamerica Life Insurance Company, Cedar Rapids, IA, policy form APA401008T, both AEGON companies. 

About operates an Internet-based life insurance exchange at The company also provides private label, co-branded life insurance technology and fulfillment services to insurance companies, financial institutions, affinity groups, banks, credit unions, property & casualty agencies, trade associations, and other affinity groups with large customer bases. The company’s proprietary technology provides instant quotes and illustrations from 50 leading life insurers and enables a quick, paperless purchase process . More than 400,000 people have purchased policies through since the firm’s founding in 1984. Visit for more information or to explore the life insurance quoting experience online.