Non-Medical Life Insurance for Insulin-Dependent Diabetics

Traditionally, insulin-dependent diabetics would have a very difficult time obtaining life insurance.

Most life insurance policies available to such individuals were available on a deferred basis, meaning if the individual passed away in the first two policy years, the death benefit would be limited to a return of premium plus interest.

However, many life insurance carriers are taking a much softer stand on insulin-dependent diabetes and there have been many advancements in the non-medical life insurance market.

Assumption Life offers a simplified issue life insurance plan called Golden Protection, which offers up to $50,000 of coverage without a medical. There are a series of health questions, and the only diabetic-related question on the application is, whether the insured has gone into insulin shock or coma within the past 2 years.

The plan offers the following:

  • Fixed premiums,
  • A lifetime protection,
  • Coverage is from day one
  •  Pays out double in the event the insured dies by accident.

For more details, you can contact us at 1-866-899-4849, or visit our Non-Medical Life Insurance Quote Page.

Most recent articles

Your email address will not be published. Required fields are marked *

  • Aaron
    February 10, 2015 at 8:27 pm

    Hi there,

    Recently declined extended life insurance for 200,000. I am 26 years old, no episodes, a1c always in the 7’s, on insulin pump, and have been diabetic for close to 15 years. Frequent visits to my endocrinologist (every 3 months). Any help would be greatly appreciated.

    • LSM Insurance
      February 11, 2015 at 12:36 pm

      You may qualify for a traditional life insurance policy. You would definitely qualify for a Simplified Issue policy. We will email you know. Thanks

  • Geoff Clark
    December 19, 2013 at 8:14 pm

    Hi there. I am 52 and been on an insulin pump for 10 years. I have never had any issues with high or low sugar passing out. I have regular care from my doctors, and my A1C’s are in the mid to high 7’s, and my sugars are always in a good range. I was recently declined any additional coverage thru my company plan, and wonder if I can get some extra coverage from your company.

  • Aaron
    May 30, 2013 at 11:13 pm

    I am a 24 year old from Ontario Canada with type one diabetes. I just finished school and will not hav insurance come September. What would a quote be for me as I have not encountered any coma or diabetic shock and I have a constant a1c of below 8.0. I would love a response to this matter. Thanks so much.

    • LSM Insurance
      May 31, 2013 at 8:39 am

      Hi Aaron,

      Thanks for the note. We are happy tp help out and will be in touch by email.

  • LSM Insurance
    April 28, 2013 at 12:53 pm

    Hi Chris, Yes we would be able to get you coverage. Depending on whether you have had insulin coma or insulin shock you may be able to qualify for a Simplified Issue policy (no medical tests and a short series of health questions). We will send you a separate email now.

  • Harry H
    April 27, 2013 at 7:05 pm

    Can I still get life insurance I was just declined for diabities? I would appreciate any help you can give me,Thanks

  • LSM Insurance
    October 21, 2012 at 2:16 pm

    Thanks for the note. Depending on your blood sugar levels and other issue you could qualify for a traditional life insurance plan. You may want to first look into a simplified issue plan because in the event you are declined your options will be more limited.

  • Ray
    October 21, 2012 at 7:23 am

    Good day,

    Please send me more info.
    I am a type 2 diabetic, 43 yrs on insulin seeking life ins. Looking for a term 30 years.

  • LSM Insurance
    October 18, 2012 at 2:36 pm

    Thanks for the note Jeff. The rates will depend on your smoking status, the onset of your diabetes and your current blood sugar reading as well as an other related illnesses.

  • jeff
    October 18, 2012 at 2:18 pm

    I would like a quote for $200,000.00 policy for a insulin dependent diabetic age 51 male

  • LSM Insurance
    May 8, 2012 at 9:55 am

    Hi Dean,

    Thanks for the note.

    If you just quit smoking last month you would still be categorized as a smoker.

    The premiums will depend on the type of plan and the amount of coverage. We will send you a separate email now.

  • Dean
    May 8, 2012 at 8:31 am

    I am type 2 and I would like a quote please. And how does it work if you quit smoking last month

  • LSM Insurance
    June 14, 2011 at 10:44 am

    Thanks for the note Robert.

    We are happy to help out the rates will depend on your smoking status and the type of plan.

    Regards, Lorne

  • Robert
    June 14, 2011 at 7:51 am

    I would like a quote for life insurance for $100,000
    Thank you