Part of our guide: Impaired Risk Life Insurance Underwriting by Condition →
In a diabetes case, one number tells underwriters more than any other: the A1C, which reflects average blood sugar over about three months. How good it is, and how consistent it’s been, can move a case several rate classes.
Key takeaways
- A1C measures average blood sugar over roughly three months; lower and more stable is better.
- Underwriters look at the trend across multiple readings, not a single result.
- A 75-year-old Type 2 diabetic with A1C averaging 7.0 or better received a Preferred offer.
Diagnosed 10 years ago, A1C averaging 7.0 or better, age 75 — and the offer was Preferred.
Why A1C matters
Diabetes complications, including heart attack, stroke, kidney disease, and nerve and eye damage, are closely tied to long-term blood sugar control. A1C is the best single measure of that control, so underwriters rely on it heavily alongside type, age at diagnosis, treatment, and complications.
What underwriters look for
- Several A1C readings over time, not just the most recent
- A stable or improving trend
- Readings close to the target set by the client’s doctor
- No complications
Thresholds vary by carrier and rate class.
Examples
- Type 2, age 75: diagnosed 10 years ago, A1C averaging 7.0 or better, 5’10” and 207 lbs, blood pressure 143/90, cholesterol 270 with a 6.0 ratio: Preferred.
- Type 2, age 50+: excellent control with diet and oral medication, no complications: Standard Plus possible.
- Type 1, over 50: excellent control, no complications: Table B possible.
See the diabetes underwriting guide and Type 1 diabetes.
Frequently asked questions
What A1C is good for life insurance?
Carriers set their own thresholds, but readings near the doctor’s target and stable over time get the best offers. Some well-controlled cases around 7.0 have received Preferred.
Do underwriters look at more than one A1C reading?
Yes. They prefer several readings over time to see the trend.
Can a diabetic get Preferred life insurance rates?
Occasionally, especially older Type 2 diabetics with excellent long-term control and no 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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