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Life insurance Rates for pre-diabetics and pre-diabetes

Researcher & Writer
May 21, 2016

One thing that folks need to understand about the life insurance industry is that life insurance companies only get one chance to make the right decision!

What we mean by this is that a life insurance company only has one chance to determine if you are a “good risk" or a "high risk."

So getting life insurance as a pre-diabetic could be more difficult if you don’t know where to look. In this article we will help guide you on the road to obtaining life insurance pre diabetes.

Have you already been diagnosed with diabetes? Check out are article, Qualifying for Life Insurance with Diabetes.

Pre-Diabetic and Life Insurance

The life insurance application that you submit as a pre-diabetic is simply a “snap shot” of your current health which the insurance company will use to decide if they want to insure you.

This is a decision they’ll be held accountable to for many, many years.

This is why, life insurance companies tend to view the world in “black and white”. They don’t like “Gray” areas, which is why people applying for life insurance pre diabetes are either viewed as “diabetic” or normal.

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After all, what defines someone as “Pre-diabetic?"

  • Higher blood sugars then normal?
  • Fine, then what’s considered normal?
  • Are cultural differences being taken into account?
  • Is a client's family history going to be looked at?
  • Is the applicant’s recent diet being considered?
  • Etc..etc,

This is why insurance companies prefer to either classify

someone as diabetic or “not diabetic” and avoid the term “pre-diabetic”.

Don't let your Agent tell you "It looks like you have diabetes".

Ask any life insurance agent who has been selling insurance for the past several years, “What’s the most difficult part of your job?”

And you’re bound to hear that it’s having to tell someone that, “It looks like you have diabetes.”  And the problem is, its only getting worse.

According to American Diabetes Association, we can see that type 2 diabetes is rapidly becoming a national epidemic:

Diabetes Statistics:

Data from the 2011 National Diabetes Fact Sheet (released Jan. 26, 2011)

Total prevalence of diabetes

  • Total: 25.8 million children and adults in the United States—8.3% of the population—have diabetes.
  • Diagnosed: 18.8 million people
  • Undiagnosed: 7.0 million people
  • Prediabetes: 79 million people*
  • New Cases: 1.9 million new cases of diabetes are diagnosed in people aged 20 years and older in 2010.

* In contrast to the 2007 National Diabetes Fact Sheet, which used fasting glucose data to estimate undiagnosed diabetes and prediabetes, the 2011 National Diabetes Fact Sheet uses both fasting glucose and A1C levels to derive estimates for undiagnosed diabetes and prediabetes. These tests were chosen because they are most frequently used in clinical practice.

So what can be done about it?

Because if there truly are 79 million pre-diabetic American's out there, just how many of them are going to find out while applying for life insurance that they are now considered "actual diabetics"?

Which means that they'll now have:

  • Higher premiums.
  • Stricter underwriting guidelines.
  • Less policy options.
  • And in some cases, no coverage at all.

Life insurance for Pre-diabetics and Pre-diabetes: Find the Best Rates

As a pre-diabetic applicant for life insurance, you’re basically at a three pronged fork in the road.

You could:

  1. Take charge of the factors causing your blood sugars to rise, and thus remain “non-diabetic”.
  2. Or you could also become diabetic and learn to control your condition with relatively few if any health complications.
  3. Or lastly you could become diabetic, not treat it, and thus become a much higher risk for all sorts of serious health conditions.

Which one will you become?

That’s the question that keeps insurance underwrites up at night!

I’m not Diabetic, My Doctor just told me I’m “Pre-diabetic”.

Well, in the insurance world there are three things that are going to determine if you are diabetic:

#1.  Has your doctor ever prescribed you any medication to control your blood sugar? If yes, you are diabetic (we are not referring to gestational diabetes). If your doctor has not prescribed you medication to control your blood sugar than so far so good.

#2.  What was your blood sugar reading at the time of your life insurance exam? If it was above 145 we could have an issue. However, if your blood sugar is below 145 you’re still not "diabetic.”

#3.  What was your A1C reading at the time of your insurance exam?  The A1C represents a 3 month blood sugar average and is considered the “Gold Standard” in diagnosing diabetes. If your A1C is less than 7.0, all is good. But if it is above 7.0, you will be considered diabetic for life insurance purposes.

Diabetic according to the Insurance Industry.

Being determined diabetic by the insurance industry is not the same as being considered diabetic by a doctor. Remember, your insurance application represents a “snap shot” of your current health condition. Your insurance company isn’t going to give you a yearly physical, and they aren’t going to follow up with you regarding your diet or exercise routine.  For the insurance company this exam is a one time deal.

Which is why, your doctor may look at the exact same findings that the insurance company has and come to a completely different conclusion and say you are pre diabetes and just need to regain control of the sugar in your blood.

Your doctor may see your elevated blood sugar levels as a good sign because they have been declining steadily over the past two years!  He or she may also see that your diet has also contributed to a steady decline as well. Who knows….

Unfortunately, the insurance companies aren’t in this same situation, they need to make a risk assessment that they will be held accountable for maybe the next 20/30/40 years from now. So again, understand that insurance companies have to be more conservative when it comes to their definitions of what determines a diabetic from a non-diabetic life insurance applicant!

Consider No Medical Exam Term Life Insurance

Exam versus No Exam Life Insurance: One option you might want to consider if you believe you might be pre-diabetic but you have NOT yet been diagnosed is to purchase a term life insurance policy with no medical exam. If you can safely navigate the health questions you can qualify for the policy and save yourself the headache of having your life insurance agent or doctor tell you your blood sugar levels are elevated.

We represent the top no medical exam life insurance companies. You can qualify for $400,000 in coverage at a preferred rate and up to $1,000,000 in coverage if you qualify at a preferred best rate.

Totally Confused?

Don’t be, even if you are eventually diagnosed a diabetic by the insurance industry, it’s not that big of a deal if you know where to look!  In fact 2 major carriers in the industry right now are making a point to actively seek out diabetic applicants simply because, given the right treatment, diabetics make good long term risk candidates. So if you are currently considered to be pre-diabetes, give TermLife2Go a call and we will explain your options and show you how you can save a ton of money on life insurance.

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We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.