No Medical Exam Life Insurance for Type 2 Diabetics


life insurance for type 2 diabetics

Can You Help Me Find Affordable Life Insurance for Diabetics?

When you are hunting for type 2 diabetics life insurance online for yourself, or for a loved one, what questions need to be answered, fast? At Docktor’s Insurance, we give clear and direct answers about how to find affordable life insurance for diabetics  with ample coverage.

For someone like yourself, working alone can take time and a lot of extra effort to find affordable type 2 diabetics life insurance.  Why only use Google searches or make dozens of phone calls to insurance companies when Docktor’s Insurance does all the work for you.  We can save you many frustrating hours from repeating your answers over and over.

We know how to make the life insurance search painless, and get approval faster.  Our agency is independent, so we represent many life insurance companies in your state.

4 Tips for Preparing for Your Life Insurance Application

These four tips will help to get you approved at the best rating class possible.  By gathering this information in one place you can put yourself in the best position to win:

  1. Create a list with name, address, and phone number for each of your doctors: starting with the primary care physician, and other medical specialists such as the cardiologist, pulmonary, etc.
  2. Plan ahead and always request copies of each medical visit, all tests and follow-up reports for your personal files.
  3. Is your list of all medications and their dosages up-to-date?  Review the list and have a copy ready to discuss with Docktor’s Insurance
  4. Schedule for all regularly scheduled follow-up visits with your doctor to show you are taking charge of controlling your type 2 diabetes.

In a hurry, call us at 1-888-773-1181 x1

Otherwise just fill in your home zip code in the box to tell us where you live; then we get started.  We gather all the information about your state’s licensed life insurance for diabetics plans.  A pop-up instant quote form asks for your personal details; fill it out so we can contact you with real answers.  Zip code box is on the right.

The three most frequently asked questions about life insurance for type 2 diabetics are:

  1. Do I have to take a medical exam?
  2. Aren’t all underwriter requirements the same?
  3. Why do my medications to control the type 2 diabetes make a difference?

We know you need to have those answers now.  We are just a phone call away:  1-888-773-1181 x1

Type 2 Diabetics and No Medical Exam Life Insurance:  What Are My Choices?

Yes!  We offer term insurance with type 2 diabetics that will fit your budget.

For over ten years we’ve been the experts in helping our happy clients to find suitable type 2 diabetics life  insurance.  You may be feeling adrift right now; just remember that Docktor’s Insurance helps many others who are type 2 diabetics also feeling overwhelmed — facing unexpected medical expenses and the financial pressures on their loved ones.

Here’s the good news: If your diabetes is well-managed with physician monitored prescriptions, you don’t have to take a medical exam to qualify. These four companies offer the best term life insurance for type 2 diabetics:  Phoenix Life, 5 Star Life,  and American National. American National also provides the best guaranteed universal life product for diabetics.

term life insurance with type 2 diabetics

Phoenix Life Insurance Company

Phoenix Life is the most competitive for no exam policies, both term, and whole life insurance. We know their underwriting requirements to get approved promptly.  However, anyone diagnosed with type 2 diabetes under age 30, will be declined coverage.

Phoenix Life offers both term insurance and whole life insurance for diabetics:

Four term insurance lengths are available: 10, 15, 20 and 30 year

A full range of coverage is available based on your age:

Ages 18-50: $25,000 to $500,000

Ages 51-60: $25,000 to $400,000

Ages 61-70: $25,000 to $300,000

Ages 71-80: $25,000 to $150,000

Whole life insurance coverage amount is based on age:

Ages 30-59: $10,000 to $100,000

Ages 60-69: $10,000 to $75,000

Ages 70-80: $10,000 to $50,000

type 2 diabetic life insurance

5 Star Life Insurance

This company does not require a medical exam and does not ask any questions about diabetes. If you are between the ages 18 to 64, have not been declined life insurance coverage in the past, and you are not receiving disability income, 5 Star can approve you.

Coverage amounts available: $10,000 to $150,000

Term rates guaranteed to age 100.

American National Insurance Company – ANICO type 2 diabetics and no medical exam life insurance

American National offers the best guaranteed universal life with no exam for type 2 diabetics under age 65.

Term life insurance for diabetics is also available with the best rates based on two questions: how many years ago you were diagnosed with type 2 diabetes and your current level of control.

Well-managed type 2 diabetics from ages 50+ may receive Standard Plus rates on their permanent life insurance policies.

ANICO Term Insurance designs for individuals ages 0-65

Five options for term insurance: Annual Renewable Term, 10, 15, 20, & 30 year

Coverage amounts available: $50,000 to $250,000

Guaranteed Universal Life with coverage up to ages 95, 100, 105, and 121

Coverage amounts available: $25,000 to $250,000

The best life insurance for type 2 diabetics depends on your personal needs and a variety of final expense insurance options from these four companies. Each offers the best whole life policies with no medical exam required.

Assurity Life Insurancelifeinsurance

Assurity offers one of the least expensive options for final expense coverage. We recommend it for diabetics that were diagnosed more than 12 months ago, with no medical complications. The best is a level benefit policy; coverage starts immediately upon approval and premium payment. There is no waiting period.

For ages 0 – 65, coverage from $5,000 to $50,000 available.

For ages 66 to 80, Assurity offers a whole life insurance policy with a maximum coverage of $25,000.


United of Omaha

Similar to Assurity Life, United of Omaha offers one of the least expensive final expense policies available. This policy is good life insurance for type 2 diabetics diagnosed after age 50, with no other medical complications. It is a level benefit policy with benefits beginning immediately after approval and premium payment. Coverage is available for individuals ages 45 to 85. The coverage amount is $5,000 to $40,000 with a whole life insurance policy.

Gerber Life Insurancelife insurance for diabetics

Gerber Life Insurance offers guaranteed issue whole life insurance to meet your needs for type 2 diabetics life insurance.  It accrues some cash value over time.

Gerber never asks medical questions.

Approval is automatic.

Docktor’s Insurance often recommends this company’s life insurance for type 2 diabetics, ages 50 to 80.  It offers a maximum coverage of $25,000.

Since Gerber Life Insurance Company is willing to take on greater health risks, the premiums may be higher than other policies.  There is a two- year waiting period before the policy fully covers death by illness.

Gerber does provide coverage for New York State residents.

This well-respected company certainly has earned itself a valuable place in estate planning for thousands of Americans.  Our clients who selected Gerber guaranteed issue life insurance found that some coverage was better to cover final expenses than no funds.

For a confidential telephone conversation with us gathering more details about final expense life insurance options to meet your personal life insurance for diabetics needs:

Call us now at  (888) 773-1181 x1

AIG, American Generalaffordable life insurance for diabetics

If you are considering Gerber Life Insurance, compare what AIG offers, a similar whole life insurance policy with more affordable rates for people ages 70+. Approval is guaranteed with no medical exam or other health questions. This policy includes individuals ages 80-85 on a guaranteed issue basis, where most companies stop at age 80.

Ages 50 to 85 are covered; AIG offers $5,000 to $25,000 in coverage.

If you cannot get approved for

life insurance from any other company

Gerber & AIG may be your last resort.

Comparing life insurance for type 2 diabetics is made easy with our help.

To get the best policy, please fill out your zip code box (on the right) to identify your state, and then complete the instant quote request form.

This list compiled by Docktor’s Insurance is not a ranking gathered from any professional association – each of these life insurance companies are well-known with reliable business histories, each has unique underwriting requirements and strengths.  Docktor’s Insurance happily recommends them to you as best life insurance for type 2 diabetics because they provide the lowest rates, including final expense life insurance coverage, to meet your current requirements.

At Docktor’s Insurance, we monitor the underwriting trends for the growing population of diabetics over the age of 60 and how life insurance evolves to serve them.  No medical examination policies are available for many different types of life insurance for type 2 diabetics.

Details are only a phone call away.  When Docktor’s Insurance provides you with a variety of options, you can immediately relax and enjoy your life knowing that you protected your loved ones.

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