Can I Get Life Insurance Coverage If I Have Diabetes? 
Most people with diabetes can get life insurance . Children with type 1 diabetes are the notable exception ; it is very difficult to find a policy for them until they are at least age 18 . All the more reason to add your children to a child rider or get them a policy of their own while they are very young , especially if diabetes runs in the family . The types of policies that you can get while having diabetes , are as varied as the persons with type 1 , 1.5 , 2 , or gestational diabetes . Underwriters will look at your history of control , with A1C being the dominant indicator , but also at whether you have current complications such as neuropathy , heart disease , or kidney disease . They will look at your age of diagnosis , the length of time you have had diabetes , and the types of treatments you have had . Based on all this data , the insurance company will determine how to rate you . People with diabetes can be rated Preferred all the way to a high table rating . If your blood glucose is too high or you have too many complications to get a medically underwritten policy , there are simplified issue or guaranteed issue policies available for most people . Contact an impaired risk life insurance specialist with experience in life insurance for people with diabetes , to be sure that you get placed with a company that will approve you at the best possible rate . 