{"id":6344,"date":"2021-10-07T19:52:06","date_gmt":"2021-10-07T19:52:06","guid":{"rendered":"https:\/\/termlite.ca\/?p=6344"},"modified":"2025-11-20T02:17:52","modified_gmt":"2025-11-20T07:17:52","slug":"term-life-insurance-for-diabetics-explained","status":"publish","type":"post","link":"https:\/\/cms2.dmatrixsoft.com\/termlite\/term-life-insurance-for-diabetics-explained\/","title":{"rendered":"Term Life Insurance for Diabetics Explained"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">About 29% of Canadians live with diabetes or prediabetes, according to <\/span><a href=\"https:\/\/www.diabetes.ca\/DiabetesCanadaWebsite\/media\/Advocacy-and-Policy\/Backgrounder\/2021_Backgrounder_Canada_English_FINAL_MAR.pdf\"><span style=\"font-weight: 400;\">Diabetes Canada\u2019s Backgrounder Report<\/span><\/a><span style=\"font-weight: 400;\">. This report has shown the prevalence of diabetes in Canada and how many people live with the condition each day. This information about diabetes leads to questions like: is term life insurance possible for someone with diabetes? And if so, what is the best term life insurance for diabetics?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While having diabetes will not completely bar you from getting life insurance, it may limit you. Also, there is a good chance your rates will be higher for a policy. But if you can get your diabetes under control, you\u2019ll have the option for more affordable premiums.<\/span><\/p>\n<h2><b>Why life insurance companies take diabetes into consideration<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Life insurance is based on the risk a potential client represents for a provider to take on. Any past or present medical issues or family history of medical complications can make you risker for an insurer. Diabetes is a medical condition that life insurance companies will consider when you apply for a plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Diabetes is the result of too much blood sugar and your body. When you have diabetes, your body cannot produce enough insulin to allow the blood sugar in your bloodstream to access your body\u2019s cells. This condition can lead to other health issues in life, including stroke and heart disease. It is because of the risks diabetes poses that insurers raise premiums and limit options for people with the condition.<\/span><\/p>\n<h2><b>The main factors life insurance companies look into<\/b><\/h2>\n<h3><b>The age of the applicant<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The younger you are, the cheaper your rates. Since younger people are generally less likely to develop a medical condition, life insurance companies provide more affordable rates to younger people. If you have diabetes, insurers will look into how long you\u2019ve had the condition. The longer you\u2019ve lived with diabetes, the more expensive your coverage is when you apply.<\/span><\/p>\n<h3><b>The type of diabetes the applicant has<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">When you apply for a plan with diabetes, the life insurance company will need to know which type you have.<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><b>Type 1 diabetes. <\/b><span style=\"font-weight: 400;\">This form of diabetes is caused by an autoimmune reaction that destroys the cells in the pancreas that make insulin. This form of diabetes is more uncommon and can lead to more severe health conditions. People with type 1 diabetes will often face higher rates when applying for life insurance.\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><b>Type 2 diabetes. <\/b><span style=\"font-weight: 400;\">This form of diabetes is much more common in Canada and often develops after the age of 45. Type 2 diabetes can be more easily managed with a healthy lifestyle. Since this condition is more manageable and less risky than type 1, people with type 2 diabetes will likely get more affordable rates.\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><b>Gestaitional diabetes. <\/b><span style=\"font-weight: 400;\">This form of diabetes typically forms in pregnant women who\u2019ve never had diabetes. Insurers will consider this form of the condition as well when applying for a policy. It may be better to apply for coverage before or after becoming pregnant to avoid facing higher premiums.\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><b>Prediabetes. <\/b><span style=\"font-weight: 400;\">With prediabetes, people will have higher than normal blood sugar levels but not high enough to be diagnosed with type 2 diabetes. Since this can lead to type 2 diabetes and other health issues, applying as a prediabetic could result in high premiums.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><b>The steps you are taking to manage your diabetes<\/b><\/h3>\n<p><b> <\/b><span style=\"font-weight: 400;\">If you can show you are taking positive steps to manage your diabetes, you will get a better rate. Follow any procedures laid out by your doctor, eat healthily, and get plenty of exercise.<\/span><\/p>\n<h3><b>Your health history<\/b><\/h3>\n<p><b> <\/b><span style=\"font-weight: 400;\">Aside from your diabetes, life insurance providers will also look into your family\u2019s health history and any other medical conditions or habits you may have, including:<\/span><\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">High cholesterol.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">High blood pressure.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Heart disease in you and your family.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Alcohol use.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Drug use.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h2><b>The right coverage for diabetes<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When it comes to purchasing life insurance, people with diabetes still have options available to them. It can all depend on whether you want temporary or permanent coverage and if you are willing to undergo a medical exam.<\/span><\/p>\n<h3><b>Simplified and guaranteed life insurance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many people with more severe diabetes often choose a simplified or guaranteed plan. These options provide a simple way to qualify for coverage. Both policy types do not require a medical exam to apply.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Simplified issue life insurance only requires a short health questionnaire to help determine your premiums. Guaranteed issue life insurance, on the other hand, has no medical or questionnaire requirements. As the name suggests, your acceptance is guaranteed when you apply for a policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These plan types typically offer smaller coverage amounts and higher premiums because of the no medical exam requirements.<\/span><\/p>\n<h3><b>Term life insurance coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/termlite.ca\/\">Term life insurance<\/a> is an excellent option if you have your diabetes under control and only want coverage for a set period. These plans typically provide coverage for 10 or 20 years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Medical exams and health questionnaires are required when you apply for traditional term coverage, so you must be confident in your diabetes management before you apply.<\/span><\/p>\n<h3><b>Permanent life insurance\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A <a href=\"https:\/\/termlite.ca\/term-100\/\">permanent life insurance policy<\/a> is for you if you require lifelong coverage and want higher benefit amounts. These policy types offer financial coverage as well as cash value savings options. The cash value benefits allow people to borrow from their policy for loans or use the cash savings for premium payments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These policies are the most expensive on the market, but they offer the highest benefit amounts and coverage options.\u00a0<\/span><\/p>\n<h3><b>Group life insurance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Those with diabetes can also get coverage through their employer. Most workplaces offer employee life insurance plans that have no medical exams requirements. Unfortunately, these plans will typically only provide smaller coverage amounts.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have dependents, a group plan may not offer enough coverage. In that case, you should consider getting additional financial protection.<\/span><\/p>\n<h3><b>Life insurance riders<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Riders are additional coverage options that you can add to a policy. The most common ones that people with diabetes choose are:<\/span><b><\/b><\/p>\n<ul>\n<li><b>Critical illness rider - <\/b><span style=\"font-weight: 400;\">allows you to use some of your plan\u2019s death benefit to help with costs after being diagnosed with a critical illness.<\/span><\/li>\n<\/ul>\n<ul>\n<li><b>Waiver of premium rider - <\/b><span style=\"font-weight: 400;\">if you cannot work due to a disability, the waiver of premium rider will stop premium payments for a period of time.<\/span><\/li>\n<\/ul>\n<ul>\n<li><b>Term conversion rider - <\/b><span style=\"font-weight: 400;\">if you have a term plan with this rider, you can convert the plan to a permanent policy.<\/span><\/li>\n<\/ul>\n<h2><b>Questions insurers may ask about your diabetes<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Insurers may ask questions about your diabetes when you apply for a policy. These qualifying questions can include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">What form of diabetes do you have?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">How long have you had diabetes?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Do you exercise regularly?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">How is your diet?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Are you taking insulin?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">When did you last visit your doctor?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Do you have diabetes-related health issues?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Have you been diagnosed with any other serious medical conditions?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Do you monitor your own glucose levels?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">We always recommend having as many medical documents about your condition on hand when applying for life insurance. Insurance companies will often ask to see any paperwork with regards to your treatments and prescriptions.\u00a0<\/span><\/p>\n<h2><b>The best ways to lower your life insurance rates<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you have diabetes or any other pre-existing condition, here are some helpful tips to lower your premiums:<\/span><b><\/b><\/p>\n<ul>\n<li><b>Manages your diabetes - <\/b><span style=\"font-weight: 400;\">by taking care of yourself through exercise and proper diet, you can increase your chances of getting more affordable coverage.<\/span><\/li>\n<\/ul>\n<ul>\n<li><b>Shop the market - <\/b><span style=\"font-weight: 400;\">don\u2019t limit yourself to one life insurance provider when making a decision. Take some time to see other options available to you and compare them before making a purchase.<\/span><\/li>\n<\/ul>\n<ul>\n<li><b>Look for companies that specialize in no medical options - <\/b><span style=\"font-weight: 400;\">for an easy way to get the coverage you and your family deserve, look for no medical life insurance specialists. These companies will have experience helping people with pre-existing conditions get life insurance.<\/span><\/li>\n<\/ul>\n<h2><b>Simplified no medical life insurance coverage<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">At Termlite, we specialize in <\/span><a href=\"https:\/\/termlite.ca\/#section-249-22\"><span style=\"font-weight: 400;\">no medical term life insurance plans<\/span><\/a><span style=\"font-weight: 400;\">. We\u2019ve helped thousands of Canadians find affordable and accessible coverage. There are no medical exams, no mountains of paperwork to complete and no need to meet face-to-face with advisors with our plans. For a free no-obligation quote and to discover your plan options, please complete our <\/span><a href=\"https:\/\/termlite.ca\/get-a-quote\/\"><span style=\"font-weight: 400;\">short quote form now<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: right;\">Written by: Adam Bianco<\/p>\n","protected":false},"excerpt":{"rendered":"<p>About 29% of Canadians live with diabetes or prediabetes, according to Diabetes Canada\u2019s Backgrounder Report. This report has shown the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6345,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[117],"tags":[],"class_list":["post-6344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Term Life Insurance for Diabetics Explained - TermLite<\/title>\n<meta name=\"description\" content=\"We\u2019re looking at everything people with diabetes need to know when applying for life insurance, including the best term life insurance for diabetics.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Term Life Insurance for Diabetics Explained - 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