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Life insurance for people with diabetes

You have options

If you’re living with diabetes, you may be wondering if it’s possible to get life insurance.

The good news is, if your diabetes is well-managed and under control, your chance of obtaining coverage is higher. The best way to boost your health and your life insurance prospects is to follow your healthcare team’s instructions about medications, diet and exercise.

Let’s explore how much life insurance costs for people with diabetes and what Foresters can do to help you secure coverage.

You’re more in control than you think

As soon as you become a Foresters member, you gain access to unique benefits1 that can help you lead a healthy and vibrant life!

How much does life insurance cost for people with diabetes?

It depends. Insurers generally treat diabetes like other pre-existing conditions. This means that if you’re approved for life insurance coverage, you may have higher premiums than someone without any health issues. On the other hand, you might be surprised that it’s more affordable than you think. Every case is different.

When an insurer looks at your application, they will usually consider:

  • How long you’ve had diabetes
  • Your overall health history
  • Your A1C levels

Here’s a tip for your application: be honest about your diabetes. Many factors go into determining approval and withholding information about your disease could lead to your coverage being declined. Honesty is the best policy when shopping for life insurance if you have diabetes or another pre-existing condition.

two people dancing and smiling
two people dancing and smiling

We’ve made life insurance more accessible for people with diabetes

And more affordable, too. It’s part of our ongoing commitment to improve the overall well-being of Americans and their communities. Our products2 help provide quick coverage with fewer barriers for people living with diabetes. We’re here to talk about your life insurance options.

Check out these diabetes resources

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1 Description of member benefits that you may receive assumes you are a Foresters member. In the United States members may currently only be anyone insured under a life or health insurance certificate, or an annuitant under an annuity certificate, issued by The Independent Order of Foresters. If you are not an insured under a life or health insurance certificate, or a n annuitant under an annuity certificate, issued by The Independent Order of Foresters, or are not a social fraternal member, then you are not a member. Foresters member benefits are non-contractual, subject to benefit specific Eligibility requirements, Definitions and limitations and may be changed or cancelled without notice.
2 Foresters products and their riders are underwritten by The Independent Order of Foresters and may not be available or approved in all states and are subject to eligibility requirements, underwriting approval, limitations and state variations. If you have questions regarding Foresters products and their riders, please contact your insurance agent or contact Foresters to be connected with an agent in your area.

Foresters Go is provided by The Independent Order of Foresters and is operated by dacadoo AG