Part of our guide: Impaired Risk Life Insurance Underwriting by Condition →
Type 1 diabetes is usually diagnosed early in life and treated with insulin from the start, which means longer exposure than most Type 2 cases. It’s typically table-rated, but clients with strong control and no complications have real options.
Key takeaways
- Type 1 diabetes is almost always rated, but coverage is widely available.
- Best-case clients over age 50 with excellent control and no complications may qualify around Table B to Table 2 at some carriers.
- Consistent A1C history, no kidney, eye, nerve, or heart complications, and regular specialist follow-up drive the best outcomes.
Over 50, excellent control, no complications: Table B is possible for Type 1 diabetes at some carriers.
What underwriters weigh
- Age at diagnosis and duration: earlier diagnosis means longer exposure.
- Current age: older applicants who have done well for decades often receive better ratings than younger ones.
- A1C history: multiple readings over time showing stable, good control.
- Complications: kidney disease (protein in urine), retinopathy, neuropathy, and cardiovascular disease weigh heavily.
- Management: regular endocrinologist visits; use of insulin pumps and continuous glucose monitors can show engagement.
- Other factors: blood pressure, cholesterol, build, and tobacco.
Realistic outcomes
Clients over 50 with excellent control and no complications may qualify for ratings as favorable as Table B to Table 2 at some carriers. Younger applicants and those with complications should expect higher tables. See the overview in life insurance underwriting for diabetes.
Positioning the case
Submit a complete A1C history, recent labs including kidney function and urine protein, eye exam results, and specialist notes. Carriers differ widely on Type 1, so pre-screen with our Underwriting Team before applying. Some carriers also offer credits that can improve a rating; see Type 2 case with underwriting credits.
Frequently asked questions
Can a Type 1 diabetic get life insurance?
Yes. Most are table-rated, but coverage is widely available, and well-controlled clients without complications can get reasonable offers.
What is the best rating for Type 1 diabetes?
At some carriers, clients over 50 with excellent control and no complications may qualify around Table B to Table 2.
Do insulin pumps affect life insurance?
Not negatively. Pump and CGM use can demonstrate engaged management; underwriters focus on control and complications.
Reviewed by Tim Fuller on 2026-09-25
Tim Fuller
President, SRS Inc.
Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.
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