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I'm diabetic - can I get life insurance?

The short answer is - yes.

Just because you have diabetes does not mean you can't qualify for life insurance, but here's the truth:

  1. Does it limit your options? Yes.

  2. Does it cost more? Most likely.

How much your premiums will be will likely depend on the details of your condition, including:

  1. What type of diabetes you have (Type-1 puts you at greater risk, so premiums will likely be higher)

  2. How long you've had diabetes

  3. How severe your symptoms are

  4. If you have other pre-existing conditions

  5. How you manage your condition (using insulin, monitoring blood sugar)

The higher cost in life insurance as a diabetic shouldn't steer you away from buying it. In fact - it should do the opposite.

It's important to remember that life insurance is a product you buy to protect the ones you love.

You can purchase two types of life insurance: term insurance, and permanent life insurance.

You don't need to purchase a large amount of coverage - just enough to cover your final expenses, and any other smaller debts you may have.

The first step in applying for life insurance starts with a conversation with your insurance broker.

If you don't have one, you're more than welcome to give me a call!


Thanks for reading,




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