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Qualifying for Life Insurance with Diabetes Insipidus.

One of the biggest problems an individual is going to have when they’re applying for a traditional term or whole life insurance policy after they have been diagnosed with diabetes insipidus is that most life insurance agents simply aren’t going to be all that familiar with your condition.


Once you say the word “diabetes” most life insurance agents are simply going to assume that you have either type 1 or type 2 diabetes and not know what “diabetes insipidus” is!

And who can blame them…

After all, diabetes insipidus is a pretty rare disorder that usually only affects less than 20,000 people each and every year.

And heck…

We only decided to write this article about diabetes insipidus after we ourselves became “stumped” about how the life insurance industry will underwrite those who have been diagnosed with diabetes insipidus.

You see…

Unlike diabetes mellitus, diabetes insipidus has nothing to do with how ones’ body produces or responds to insulin.  Instead, diabetes insipidus is a medical disorder that affects how the body regulates fluids.

About diabetes insipidus.

Diabetes insipidus is a medical condition that leads to an imbalance of water within the body.  This imbalance leads individuals to experience an intense insatiable thirst even after drinking fluids.  As a result, these individuals will also produce large amounts of urine.

Unfortunately, there is no known cure for diabetes insipidus however, there are medications that can be prescribed to help minimize the symptoms associated with the condition.

Diabetes insipidus and life insurance.

The good news is that in most cases, those who have been diagnosed with diabetes insipidus will “generally” still be eligible for a traditional term or whole life insurance policy.  In fact, many of these individuals may also still be able to “qualify” for a Preferred or Preferred Plus rate class!

You may also be able to qualify for a no medical exam life insurance policy which would allow you to become insured in less than 24 hours in many cases!

This is mainly because, even in extreme cases, the symptoms associated with having diabetes insipidus aren’t too severe.

Common symptoms associate with having diabetes insipidus may include:

  • Dry mouth
  • Dry skin
  • Hypotension
  • Hypernatremia
  • Fever
  • Headaches
  • Tachycardia
  • Unexplained weight loss

And as you can see, none of these “symptoms” by themselves are going to be considered “life threatening”.

Which is why…

In most cases, individuals who have been diagnosed with diabetes insipidus should be able to qualify for a traditional term or whole life insurance policy.  But this doesn’t mean that insurance companies are simply going to ignore that fact that you’ve been diagnosed with diabetes insipidus.

Insurers are still going to want to make sure that your condition is well under control and that you’re not experiencing any harmful symptoms associated with your disease.


Insurance companies are also going to want to make sure that you haven’t been diagnosed with any other pre-existing medical conditions which could exacerbate your diabetes insipidus or lead to any other potential health issues.  This is why insurance companies will generally ask you a series of questions about your health that will look something like this:

  • When where you born?
  • What is your current height and weight?
  • In the past 12 months, have you experienced any unexplained weight gain or loss over 10 lbs?
  • When where you initially diagnosed with diabetes insipidus?
  • What symptoms did you first experience due to your diabetes insipidus?
  • How well is your condition being managed now?
  • What symptoms are you currently experiencing for your diabetes insipidus?
  • Aside from being diagnosed with diabetes insipidus, have you been diagnosed with any other pre-existing medical conditions?
  • Have you ever been diagnosed with diabetes mellitus? Or ever suffer from a heart attack, stroke or cancer?
  • Are you currently working now?
  • In the past 12 months, have you applied for or received any form of disability benefits?

From here, we’ll generally have a pretty good idea about what “type” of life insurance policy you’ll be able to qualify for as well as what “rate” you’ll likely qualify for as well.  That at this point, we should also have a pretty good idea about “which” life insurance company that we work with will provide you with the greatest opportunity for success.

You see…

Here at TermLife2Go, we have chosen to remain an independent life insurance brokerage that is able to work with dozens of different life insurance companies so that when it comes time to helping someone who has a pre-existing medical condition like diabetes insipidus we’re going to have plenty of options to choose from!

So, what are you waiting for?  Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!

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