There is no single answer for everyone. Diabetic life insurance coverage and pricing depend on a variety of factors such as your age, gender, current health condition, family medical history and how you keep your diabetes in check. While there is no set way to find insurance, you can better your chances by controlling your diabetes through a healthy lifestyle.
The first thing you must consider is how you control your diabetes. If you lead a generally healthy and active lifestyle, good management of your blood glucose levels, have a lower hemoglobin A1C level and do not have any serious complications resulting from diabetes such as heart disease, retinopathy or neuropathy, chances are your premiums will be more affordable. Typical rating classes (from least to most expensive) include preferred plus, preferred, standard and nonstandard.
Insurance companies will give you the best rates if your A1C level is below 6 and standard rates if your level is between 6 and 7. When your level starts climbing into the double digits is when it becomes apparent that you have poor control over your diabetes.