Life Insurance for Diabetics in Canada: Apply with Confidence

If you have Type 1 or Type 2 diabetes, getting life insurance in Canada is absolutely possible.
Learn how to qualify with confidence, compare policy options, and discover ways to
lower your premiums.

📖 28 Minute Read  |
📅 Originally Published: May 30, 2024  |
🔄 Updated: June 7, 2025

Applying for Life Insurance With Diabetes in Canada Logo

Life Insurance for Diabetics in Canada: Apply with Confidence

If you have Type 1 or Type 2 diabetes, getting life insurance in Canada is absolutely possible.
Learn how to qualify with confidence, compare policy options, and discover ways to
lower your premiums.

📖 28 Minute Read  |
📅 Originally Published: May 30, 2024  |
🔄 Updated: June 7, 2025

Applying for Life Insurance With Diabetes in Canada Logo

Diabetes can feel like a roadblock when applying for life insurance, but it doesn’t have to be. Across Canada, hundreds of people with diabetes qualify for coverage every month from insurers who now understand the condition better than ever. In this guide, you’ll learn what factors matter most, how to lower your premiums, and how to improve your chances, even if you’ve been declined before.

From controlled A1C levels to the type of diabetes you have, Canadian insurers assess many factors when reviewing your application. Your medication, lifestyle, and any history of complications all shape your options. The good news? You don’t need perfect health, just the right strategy and expert advice.

Understanding Life Insurance Options for Canadians with Diabetes

Visual guide: Fully Underwritten, Simplified, and Guaranteed Issue policies.

Canadians with diabetes have more life insurance choices today than ever before. From fully underwritten policies to simplified and guaranteed issue plans, there’s a wide spectrum of products designed to match your health profile, application goals, and budget. The key is knowing which type offers the best balance between eligibility, cost, and long-term security.

📑 Fully Underwritten Policies

These policies offer the most competitive pricing, but they require detailed medical evidence. Expect to answer health questions, complete lab work, and submit an Attending Physician Statement (APS) if requested. Applicants with well-controlled diabetes, no major complications, and stable treatment plans often receive standard or mildly subrated premiums.

⚖️ Simplified Issue Life Insurance

No exams or lab tests are required—only a health questionnaire. Ideal for applicants with moderate risk or a shorter diabetes history, these policies offer faster approval but come with higher premiums and lower coverage caps. Questions usually cover insulin use, hospitalizations, and complications.

🛡️ Guaranteed Issue Life Insurance

Available to anyone in the eligible age range with no health questions or medical exams. These plans are designed for high-risk applicants or those recently declined. They typically have graded death benefits for the first 2 years and higher monthly premiums.

Choosing the right policy depends on your current A1C levels, diabetes duration, treatment method, and whether you’ve experienced any complications. A licensed advisor can help match you to the best-fit insurer based on your profile.

How Diabetes Affects Your Life Insurance Application in Canada

Understanding how Canadian insurers evaluate diabetes is essential for setting realistic expectations and preparing a strong application. Underwriting for diabetes has evolved, shifting from blanket declines to personalized risk assessments that consider glucose control, complication risk, and long-term health outlook.

📊 The Modern Underwriting Approach

Today’s Canadian insurers use evidence-based underwriting, recognizing that well-managed diabetes—especially Type 2 diagnosed later in life—may have minimal impact on life expectancy. Instead of labeling diabetes as automatically high risk, underwriters now assess your individual risk profile based on control, stability, and medical history. Some applicants may qualify for standard or near-standard rates if their A1C levels are stable and no complications exist.

📌 Primary Evaluation Factors

  • ✅ Type of Diabetes: Type 1 diabetes is typically viewed as higher risk due to lifelong insulin use and potential for complications. Type 2, especially when controlled through lifestyle or oral medication, is underwritten more favourably.
    Late-onset Type 2 (diagnosed after age 50) with no complications often receives the most favourable offers.
  • 🕒 Age at Diagnosis: Earlier diagnosis generally increases perceived risk. For Type 1, childhood onset is expected. For Type 2, diagnosis before age 40 may suggest genetic predisposition or aggressive progression.
  • 📅 Duration Since Diagnosis: A longer timeframe allows underwriters to evaluate stability. If you’ve managed diabetes for several years without complications, this reflects well on your application.
  • 🩸 A1C / Glucose Control: Insurers prefer A1C levels below 7.0%. Stability over time matters more than a single perfect reading. Even slightly elevated but consistent levels (e.g., 7.3%) may be acceptable if other risk factors are minimal.
  • 📋 Medical History & Lifestyle: Underwriters assess your BMI, blood pressure, medication use, smoking status, family history, and the presence of diabetes-related complications (e.g., nephropathy, neuropathy, or retinopathy).
  • ⚕️ Treatment Plan: A stable treatment plan with consistent insulin or medication usage, a healthy diet, and regular exercise supports your application. Daily insulin units and adherence also affect perceived control.

📄 Documentation Requirements

Canadian insurers usually request detailed evidence to verify your health profile. This helps confirm stability and demonstrate low long-term risk.

  • ✅ A1C results from the past 12–24 months
  • ✅ Kidney function, cholesterol, and urinalysis labs
  • ✅ Attending Physician Statement (APS), if needed
  • ✅ Medication and prescription history
  • ✅ Reports from specialists (e.g., ophthalmologist or endocrinologist), especially if complications are suspected

Transparent documentation and a strong health track record can improve your rating, reduce premiums, and increase your approval odds. This is especially true when paired with expert guidance during the application process.

Providers Consider if You Have Diabetes

Life Insurance for Type 1 Diabetes: Canadian Coverage Options

Type 1 diabetes presents unique challenges in the life insurance market, but Canadian insurers have developed more sophisticated approaches to evaluating and covering individuals with this condition. By understanding how underwriters assess Type 1 risk and preparing strong documentation, you can significantly improve your chances of securing affordable coverage.

Understanding Type 1 Diabetes Risk Assessment

Type 1 diabetes is an autoimmune condition that usually begins in childhood or early adulthood and requires lifelong insulin use. From an underwriting perspective, concerns include the potential for severe hypoglycemic episodes, long-term complication risk, and the difficulty of achieving stable glucose control with insulin therapy.

Fortunately, modern management tools like insulin pumps, continuous glucose monitors, and rapid-acting insulin have dramatically improved outcomes. Many Canadian insurers now recognize these tools as positive indicators and adjust their underwriting accordingly.

Optimal Timing for Applications

Timing can affect your approval and premiums. Most insurers prefer to see at least 12 to 24 months of consistent management before offering competitive rates. If you have been newly diagnosed, it may be best to wait until you establish a pattern of stability.

Applicants with a long history of Type 1 diabetes and no complications often receive more favorable consideration. A stable A1C history and no evidence of diabetic retinopathy, nephropathy, or neuropathy support your eligibility for better rates.

Key Success Factors for Type 1 Diabetics

  • Consistent A1C Control: Keeping your A1C below 7.0 percent is ideal. Slightly higher levels, if stable over time, can still be viewed positively compared to erratic fluctuations.
  • Technology Use: Use of insulin pumps or CGMs shows a commitment to effective glucose management and can improve how insurers assess your risk.
  • Proactive Screening: Regular testing with normal results, such as eye exams, kidney tests, and cardiovascular assessments, demonstrates proactive care and can boost your rating.
  • Healthy Lifestyle: Non-smoking status, a healthy BMI, and regular exercise are major factors in presenting yourself as a low-risk applicant.

Insurer-Specific Approaches

Each Canadian insurer treats Type 1 diabetes differently. Some offer favorable underwriting to applicants with good control and no complications. Others apply more conservative ratings, especially for younger applicants or those with any history of severe hypoglycemia.

To improve your chances of success, work with a broker who understands the nuances of diabetic underwriting across insurers. They can align your application with a provider that values your health efforts and history.

Life Insurance for Type 2 Diabetes: Rates and Approval Odds

Man with diabetes with monitor

Type 2 diabetes is the most common form of diabetes among Canadian adults, accounting for about 90 percent of all cases. From an insurance perspective, it often receives more favorable underwriting treatment than Type 1, especially when diagnosed later in life and well-managed with consistent treatment and healthy habits.

The Type 2 Diabetes Advantage

Insurers generally view Type 2 diabetes as lower risk when it is controlled through lifestyle and oral medication. Because it often progresses slowly and is manageable without insulin, the condition can be associated with more stable glucose levels and fewer complications.

When Type 2 diabetes is diagnosed after age 50 and managed effectively, many Canadian insurers may offer standard or near-standard rates. Key underwriting factors include stable treatment, low A1C levels, and a clean record of complications.

Optimal Candidate Profile for Standard Rates

The ideal candidate is typically diagnosed after age 45, currently over 50 years old, and controlling the condition with diet, exercise, and oral medications. Insurers favor applicants with A1C levels under 7.0 percent, healthy kidney function, no signs of retinopathy, and no cardiovascular issues.

Body weight is especially important. A BMI under 30 or recent sustained weight loss signals a proactive health approach. Consistent physical activity and diet adjustments also reflect well on your application.

Medication Considerations

Underwriters assess medications to understand how advanced the condition is. Oral medications, especially Metformin alone, are viewed positively. They imply early-stage diabetes and effective glucose control.

If additional oral drugs are needed, premiums may increase slightly. Insulin use receives more scrutiny. If you use insulin, be ready to explain whether it supports tight control or is necessary due to reduced pancreatic function. Documentation of your glucose patterns and control strategy will help.

Age and Duration Factors

The age when you were diagnosed and how long you have had diabetes both influence your rating. Later diagnosis usually implies a milder progression. However, a long history without complications can be just as beneficial, since it shows stability.

For example, a 60-year-old diagnosed at 45 with 15 years of consistent control may qualify for better rates than a 50-year-old who was recently diagnosed, despite the shorter disease duration in the latter case.

Complication Prevention and Management

Insurers focus heavily on complications. Cardiovascular disease, kidney impairment, and diabetic eye issues are closely examined. A history free of these complications increases your chances of receiving favorable rates.

Routine exams that show healthy results, such as normal kidney function and clear eye exams, are strong positives. Even if complications exist, insurers may still approve you if they are mild, well-managed, and stable over time.

💡 Did You Know?

Many Canadians with Type 2 diabetes can still qualify for life insurance at standard or near-standard rates, especially if their A1C levels are stable and no major complications are present.

Gestational and Juvenile Diabetes: Special Insurance Considerations

Pregnant woman with adult son with diabetes

Gestational and juvenile diabetes create unique challenges in life insurance underwriting. Understanding how Canadian insurers assess these conditions can help you prepare a stronger application and improve your eligibility for affordable coverage.

Gestational Diabetes: Temporary Condition with Lasting Impact

Gestational diabetes occurs during pregnancy and typically resolves after childbirth. However, it increases the long-term risk of developing Type 2 diabetes. Studies show that between 20 and 50 percent of women with gestational diabetes may develop Type 2 diabetes within ten years of delivery.

Insurers usually wait six to twelve months after childbirth before assessing life insurance applications. This allows enough time to confirm whether blood sugar levels have returned to normal. Applying too soon during pregnancy with gestational diabetes often leads to postponed applications.

Underwriting After Gestational Diabetes

Applicants who demonstrate normal glucose tolerance after delivery often qualify for favorable underwriting. However, insurers may apply modest rate increases due to the elevated future risk of developing Type 2 diabetes.

Key underwriting considerations include whether insulin was required during pregnancy, your postnatal blood sugar levels, family history of diabetes, and overall health status. Maintaining a healthy weight and showing recent glucose tolerance test results can improve your chances of receiving standard rates.

Juvenile Diabetes: Early-Onset Type 1 Considerations

Juvenile diabetes, commonly referring to Type 1 diabetes diagnosed in childhood or adolescence, presents different underwriting challenges. Because of its early onset, insurers evaluate the duration of disease exposure and any signs of long-term complications.

Advances in diabetes management have allowed many individuals with juvenile diabetes to maintain excellent health into adulthood. For young adults applying for life insurance, insurers focus on current A1C levels, complication screenings, and treatment consistency.

The Transition from Pediatric to Adult Diabetes Care

The shift from pediatric to adult endocrinology care is a critical period. This transition, typically in the late teens or early twenties, often coincides with key life events like student loans or buying a home. Insurers may treat this phase cautiously, especially if there is a lapse in care or inconsistent glucose monitoring.

To strengthen your application, maintain a stable relationship with an adult diabetes specialist, keep consistent A1C documentation, and complete routine screenings such as eye exams and kidney tests.

Insurance Features That Support Young Diabetics

Several Canadian insurers offer flexible policy features for younger applicants with diabetes. These may include:

  • Guaranteed renewability: Keeps your coverage active even if your health changes in the future.
  • Conversion privileges: Allow you to upgrade your term policy to permanent coverage without new medical exams.
  • Rate locks: Help secure pricing early and protect against premium increases.
  • Living benefits: Provide early payouts if you become critically ill or disabled.

These options can offer peace of mind and financial protection as you manage diabetes long-term.

Providers Consider if You Have Diabetes

Prediabetes Insurance Considerations in Canada

Man with diabetes smiling holding life insurance application

If you’ve been told you have prediabetes, you might wonder how it affects your ability to qualify for life insurance in Canada. While prediabetes isn’t classified as a chronic illness, insurers often view it as a warning sign of potential future health complications. That means your application could receive extra scrutiny — especially if other risk factors like weight or cholesterol are present.

One Toronto client we worked with was initially flagged due to a borderline A1C result. But after providing updated lab work and showing active lifestyle improvements, she secured coverage at near-standard rates. This highlights the importance of timing and how lifestyle shifts can influence underwriting outcomes.

Prediabetes doesn’t automatically disqualify you. Many Canadian insurers, including those aligned with guidance from the Canadian Life and Health Insurance Association (CLHIA), will still consider applicants with slightly elevated A1C — especially when other health indicators remain stable.

If you’re unsure where you stand, we can help you explore both traditional and non-medical life insurance options. Comparing carriers side-by-side ensures you’re not penalized unnecessarily for a condition that’s still considered reversible by many medical professionals.

Life Insurance Options for Diabetics Over 60 in Canada

Senior with diabetes

If you’re over 60 and managing Type 2 diabetes, getting life insurance in Canada may feel more complex. But it’s far from impossible. Many Canadians are diagnosed later in life, and insurers understand that aging and chronic conditions often go hand in hand. Today, there are more flexible options than ever for seniors who want to protect their loved ones.

We’ve helped Canadians in their 60s and 70s (even into their 80s) qualify for coverage, even with insulin use or complications like high blood pressure. Success depends on a few key details: A1C control, medical history, and whether you’re applying for traditional or simplified policies. For example, a 67-year-old client from Mississauga was recently approved for permanent coverage after sharing updated lab work and a stable treatment history.

While premiums may be higher in this age group, you don’t need to settle for overpriced policies or automatic declines. Simplified issue or guaranteed issue insurance can be excellent choices if you’ve faced barriers in the past. These products skip medical exams and often require only a few health questions.

Most seniors we speak with are planning for final expenses or legacy protection. The key is comparing carriers that specialize in diabetic underwriting and understanding how your profile fits their criteria. With the right approach, many Canadians over 60 still qualify for meaningful and affordable coverage.

How Diabetic Complications Impact Underwriting Decisions

Doctor treating diabetes

If you’re living with diabetes and have experienced complications like neuropathy, retinopathy, or kidney concerns, you may worry about whether you’re still insurable. The good news is, in most cases, you still have options. While insurers do look closely at these factors to assess overall risk, they don’t automatically decline based on one complication alone.

We’ve helped clients across Ontario and Alberta who had mild complications qualify for affordable coverage. One example involved a 64-year-old applicant with background retinopathy. By submitting an updated specialist report and demonstrating consistent blood sugar control, she secured a term policy at standard rates. Another applicant with past hospitalization for diabetic ketoacidosis (DKA) was approved a year later, after showing strong follow-up with their physician and improved lab results.

According to Statistics Canada, complications are common among Canadians managing diabetes long-term. That’s why preparation matters. Submitting detailed treatment history, recent lab work, and proof of medication compliance can shift an insurer’s decision in your favour.

If you’ve had any complications, you’re not alone and you’re not uninsurable. With the right documentation and insurer match, many Canadians still qualify for traditional or simplified life insurance. Our advisors can help you compare your options and avoid unnecessary roadblocks in the process.

Top 5 Canadian Life Insurance Companies for Diabetics

Finding the right life insurance provider when you have diabetes can be challenging. Insurers assess risk differently, and their underwriting guidelines for diabetic applicants vary widely. Based on extensive research and proprietary underwriting insights, here are the top five Canadian life insurance companies offering the most favorable terms for Canadians with diabetes.

These insurers stand out for their specialized diabetes programs, flexible underwriting strategies, and commitment to providing affordable coverage for people with Type 1, Type 2, and gestational diabetes. Each company offers unique advantages depending on your diabetes type, treatment, and overall health history.

1. Sun Life Financial: Specialized Diabetes Product

Sun Life leads the way with its “Term Insurance for Diabetes,” launched in May 2024. This first-of-its-kind Canadian product addresses the specific challenges faced by diabetics applying for life insurance.

It prioritizes how well applicants manage their condition over simply their diagnosis. This focus enables more favorable terms for those with stable glucose control and consistent medical follow-ups.

Coverage is available from ages 0 to 80 for Type 1, Type 2, gestational, and pre-diabetes. The plan includes access to the Diabetes Care Program, offering personalized support, educational sessions, and virtual health resources. Sun Life also partners with Diabetes Canada to enhance client education and long-term wellness.

2. Industrial Alliance: Guaranteed Acceptance

Industrial Alliance’s “Access Life” is a standout no-medical option. It guarantees acceptance regardless of health history, including diabetes, with a simplified questionnaire and no exams or lab work.

Coverage ranges from $10,000 to $500,000 with options for term or permanent policies. Even applicants with complex diabetes can secure coverage, while healthier individuals may qualify for lower premiums. Term policies are renewable and convertible, ensuring future flexibility regardless of health changes.

3. Assumption Life: Instant Approval Process

Assumption Life offers quick and simple approval through its no-medical products, tailored to applicants with diabetes and other chronic conditions.

Policies are available from ages 20 to 70, with up to $250,000 in coverage. Applications are completed online via the LIA platform with instant approval. Their underwriting considers diabetes type, A1C history, age at diagnosis, and medication regimen, without requiring APS or lab tests.

4. Canada Protection Plan: Highest No-Medical Coverage

Canada Protection Plan specializes in no-medical life insurance, with diabetic-friendly products prominently featured on their website. Coverage amounts go as high as $500,000 with no lab work required.

Policies are available to applicants ages 18 to 80, including temporary residents with work or study permits. Their A-Z Life Insurance product accommodates diabetics with complex histories or medication regimens and even includes guidelines for gestational diabetes applicants after five years without relapse.

5. Foresters Financial: Systematic Rating Approach

Foresters applies a structured method for underwriting diabetics, especially those with Type 2. Their Non-Medical Diabetes Worksheet uses an age and duration matrix to assign ratings based on longevity of the condition and build metrics.

Applicants over 40 with well-controlled Type 2 diabetes may qualify for standard or substandard rates. Those with Type 1 can also be considered if they show long-term control. Foresters has partnered with diaTribe to enhance diabetes education for both clients and advisors.

Top 5 Life Insurance Options for Diabetics

A quick comparison of insurers offering coverage for Type 1 and Type 2 diabetes, focusing on ease of approval, underwriting, and flexibility.


CompanyBest ForUnique FeatureCoverage RangeMedical Requirements
Sun LifeWell-managed diabetes with documentationDedicated diabetes plan with care supportAges 0–80Full underwriting focused on glucose control
Industrial AllianceApplicants declined elsewhereGuaranteed approval regardless of health$10,000–$500,000No exams or labs
Assumption LifeFast online approvalInstant decision platform$50,000–$250,000No exams, labs, or APS
Canada Protection PlanHigh coverage without labsTop-tier no-medical limitsUp to $500,000No exams or blood work
ForestersType 2 diabetics over 40Rating calculator for consistencyVaries by productVaries by product

Company: Sun Life
Best For: Well-managed diabetes with documentation
Unique Feature: Dedicated diabetes plan with care support
Coverage Range: Ages 0–80
Medical Requirements: Full underwriting focused on glucose control
Company: Industrial Alliance
Best For: Applicants declined elsewhere
Unique Feature: Guaranteed approval regardless of health
Coverage Range: $10,000–$500,000
Medical Requirements: No exams or labs
Company: Assumption Life
Best For: Fast online approval
Unique Feature: Instant decision platform
Coverage Range: $50,000–$250,000
Medical Requirements: No exams, labs, or APS
Company: Canada Protection Plan
Best For: High coverage without labs
Unique Feature: Top-tier no-medical limits
Coverage Range: Up to $500,000
Medical Requirements: No exams or blood work
Company: Foresters
Best For: Type 2 diabetics over 40
Unique Feature: Rating calculator for consistency
Coverage Range: Varies by product
Medical Requirements: Varies by product

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Choosing the Right Insurer by Diabetes Type

For Type 1: Sun Life’s diabetes plan specifically includes Type 1. If declined, Industrial Alliance offers guaranteed acceptance. Assumption Life provides quick decisions without labs, while Canada Protection Plan offers higher limits. Foresters may consider stable Type 1 for substandard rates.

For Type 2: Foresters offers strong consideration for applicants over 40. Sun Life and Canada Protection Plan welcome many common Type 2 meds. Industrial Alliance rewards better control, and Assumption Life removes the stress of labs or APS.

For gestational diabetes: Canada Protection Plan and Sun Life both offer targeted guidelines. Assumption Life’s no-medical approach minimizes barriers, while Industrial Alliance guarantees coverage regardless of history. Foresters may approve well-controlled cases without Type 2 progression.

Working with an experienced broker who knows the nuances of each insurer can help you match with the right provider and improve your odds of approval.

💬 Ready to explore your life insurance options?

Our experts help Canadians with diabetes find affordable coverage. No pressure, no obligation.

How to Improve Your Chances of Approval with Diabetes

Securing life insurance approval with diabetes requires strategic preparation and an understanding of what insurers value most in diabetic applicants. While you cannot change your diabetes diagnosis, you can significantly influence how insurers perceive your risk profile through careful preparation and presentation of your health information.

Optimize Your Glucose Control Before Applying

The single most important factor in diabetes life insurance underwriting is demonstrating excellent glucose control over time. Insurers typically review A1C results from the past 12 to 24 months to assess your management patterns, so it is crucial to establish a track record of good control before applying.

If your recent A1C levels have been elevated, consider waiting to apply until you have achieved better control. Working with your healthcare team to optimize your diabetes management for 6 to 12 months before applying can result in significantly better underwriting outcomes. This might involve adjusting medications, improving diet and exercise habits, or addressing other factors that impact glucose control.

Target A1C levels below 7.0% for optimal underwriting results. Levels between 7.0% and 7.5% are generally acceptable for most insurers. More important than achieving perfect levels is demonstrating consistency and stability in your control over time.

Gather Comprehensive Medical Documentation

Thorough documentation of your diabetes management and overall health can significantly strengthen your application. Rather than waiting for insurers to request information, proactively gathering complete medical records shows your commitment and helps underwriters make favorable decisions.

Essential documentation includes recent A1C results, metabolic panels showing kidney function, lipid profiles, urinalysis results, and any specialist reports from endocrinologists, ophthalmologists, or cardiologists. If you use diabetes technology like continuous glucose monitors or insulin pumps, include usage data and trend summaries.

Organize your medical information chronologically and ask your primary care physician or endocrinologist to provide a summary letter. This summary should outline your diabetes management, current health status, and long-term outlook. It can also address any irregularities and emphasize your health commitment.

Address Modifiable Risk Factors

Many factors that influence diabetes life insurance underwriting are within your control. Addressing modifiable risk factors can improve both your health and your insurability.

Weight management is especially important for Type 2 diabetics. Even modest weight loss can positively impact underwriting. Be sure to document these changes, as they highlight your proactive health efforts.

Managing blood pressure and cholesterol is equally crucial. Insurers focus heavily on cardiovascular health in diabetic applicants. Show consistent readings within normal ranges and demonstrate treatment compliance where applicable.

If you smoke, quitting is essential before applying. Smoking significantly elevates diabetes-related risks and may result in higher premiums or denial. A tobacco-free period of 12 months or longer often improves underwriting results.

Timing Your Application Strategically

When you apply for life insurance can have a major effect on the outcome. Avoid applying right after diagnosis or during health fluctuations. Insurers want to see at least 6 to 12 months of stable diabetes management before offering their best rates.

Wait to apply until your condition has stabilized. This applies to both treatment changes and recovery from complications. Consider timing your application after improving A1C results, losing weight, or reaching other health milestones.

Delaying during periods of stress or illness may also be wise. Aim to apply when your health metrics and daily routines are most stable and favorable.

Work with Diabetes-Experienced Professionals

Due to the complexity of diabetes underwriting, partnering with professionals who understand these nuances is key. An experienced broker can direct you to insurers with the most diabetic-friendly underwriting and assist in crafting a compelling application.

Choose brokers with documented success helping diabetic clients. They should be able to explain each insurer’s stance on diabetes and guide you toward the best matches based on your specific profile.

Coordinate closely with your healthcare providers as well. Let your physician know how important their documentation is to your insurance goals. If needed, provide them with examples or templates of the types of medical summaries that support your application.

Providers Consider if You Have Diabetes

No Medical Exam Life Insurance Options for Diabetics

No medical exam life insurance products have become increasingly popular among diabetics because of their speed, accessibility, and simplified application process. These policies can offer valuable protection for individuals who face underwriting challenges or who prefer to avoid lab tests and physicals.

Understanding No Medical Exam Products

No medical exam life insurance includes multiple product types, each with distinct features that suit different diabetic profiles. Knowing which type fits your needs can help you secure the right coverage without unnecessary delays or denials.

Simplified issue policies require only a health questionnaire, with no lab tests or physician reports. These policies can offer up to $500,000 or more in coverage and often deliver fast decisions within days. Diabetics with stable health may find these plans ideal.

Accelerated underwriting uses algorithms and third-party data such as prescription databases and lab history to evaluate risk. For applicants with well-managed diabetes and consistent documentation, this option can yield traditional rates without medical exams.

Guaranteed issue policies accept applicants within certain age ranges without asking any health questions. These products come with lower limits, higher premiums, and graded benefits for the first few years but can be essential for those with complex diabetes histories.

Simplified Issue Questionnaires for Diabetics

Simplified issue forms typically focus on the most predictive diabetes-related risk factors. Understanding what these questions target and answering them clearly can improve both approval chances and pricing.

Expect questions like: “When were you diagnosed with diabetes?”, “Are you currently using insulin?”, and “Have you been hospitalized in the past five years for diabetes-related reasons?”

Provide context where necessary. If you use insulin, explain whether it’s for Type 1 management or optimal Type 2 control. If you’ve had complications, note how they are treated and your current condition.

Some insurers also ask about recent A1C levels. If so, share your latest results and emphasize consistency. Diabetics with A1C levels under 7.5% can often qualify for better rates, even without a full exam.

Advantages of No Medical Exam Products for Diabetics

Speed and simplicity are major advantages. Many products offer same-day or next-day decisions. This can be essential if you’re closing on a home, starting a new business, or securing family protection.

Privacy is another benefit. Without medical tests or doctor reports, your personal health details remain more contained. This appeals to those who value discretion or have had previous negative insurance experiences.

Predictable outcomes also help. You’ll know your approval status quickly, with fewer surprises than traditional underwriting might bring especially if you’re concerned about your lab results or physician notes.

Limitations and Considerations

No medical exam life insurance isn’t for everyone. Be aware of these potential downsides before committing.

Higher premiums are common. You may pay 20 to 50 percent more than fully underwritten policies due to the increased risk that insurers take on without full medical data.

Lower coverage ceilings could limit your options. While $500,000 is common, high-income earners or those with complex financial needs may find this insufficient and require additional policies.

Fewer policy choices exist in the no-exam space. Permanent life insurance and add-ons like disability riders are less common, meaning your long-term flexibility could be limited.

Strategic Use of No Medical Exam Products

No medical exam policies can play a smart role in your overall insurance plan, especially if used with intent.

Bridge coverage is one common strategy. You can secure a simplified issue policy now, then apply for fully underwritten coverage once you’ve improved your health metrics.

Supplemental protection is another smart use. If you already have some group coverage or a basic policy, a no-exam option can fill the gap without extensive paperwork.

Test your insurability by applying for a no-exam plan. If you’re approved at a good rate, it suggests that traditional underwriting could go well too. If not, it may indicate a need to improve your health profile before pursuing other options.

Monthly Simplified Issue Life Insurance Rates

For non-smoking Canadians | 10-year term, $200K coverage


AgeAssumption LifeCanada Protection Plan
MaleFemaleMaleFemale
20$33.84$25.56$30.60$19.80
25$33.84$25.56$31.14$20.52
30$33.84$26.10$32.22$21.78
35$35.46$29.88$32.22$23.04
40$37.98$32.76$34.92$28.98
45$47.16$40.50$45.18$36.72
50$64.08$54.90$65.88$53.46
55$94.68$80.64$94.68$73.80
60$162.72$129.78$169.92$123.84
65$286.20$202.50$300.06$202.50
70$559.44$358.20$603.18$379.62
Age: 20
Assumption Male: $33.84
Assumption Female: $25.56
CPP Male: $30.60
CPP Female: $19.80
Age: 25
Assumption Male: $33.84
Assumption Female: $25.56
CPP Male: $31.14
CPP Female: $20.52
Age: 30
Assumption Male: $33.84
Assumption Female: $26.10
CPP Male: $32.22
CPP Female: $21.78
Age: 35
Assumption Male: $35.46
Assumption Female: $29.88
CPP Male: $32.22
CPP Female: $23.04
Age: 40
Assumption Male: $37.98
Assumption Female: $32.76
CPP Male: $34.92
CPP Female: $28.98
Age: 45
Assumption Male: $47.16
Assumption Female: $40.50
CPP Male: $45.18
CPP Female: $36.72
Age: 50
Assumption Male: $64.08
Assumption Female: $54.90
CPP Male: $65.88
CPP Female: $53.46
Age: 55
Assumption Male: $94.68
Assumption Female: $80.64
CPP Male: $94.68
CPP Female: $73.80
Age: 60
Assumption Male: $162.72
Assumption Female: $129.78
CPP Male: $169.92
CPP Female: $123.84
Age: 65
Assumption Male: $286.20
Assumption Female: $202.50
CPP Male: $300.06
CPP Female: $202.50
Age: 70
Assumption Male: $559.44
Assumption Female: $358.20
CPP Male: $603.18
CPP Female: $379.62

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Key Factors Affecting Life Insurance Rates for Diabetics

Understanding what insurers evaluate when underwriting diabetic applicants helps you prepare and control the narrative of your application. Canadian life insurance companies use layered risk models that analyze how each factor contributes to long-term mortality risk—especially for individuals managing chronic conditions like diabetes.

Glucose Control Metrics and Trends

More than a single A1C test result, underwriters focus on your control trend. Levels below 7.0% are ideal, but consistency matters more than perfection. A stable A1C in the 7.0–7.5% range is often rated better than erratic swings that include both lows and spikes above 8.0%.

Most insurers review lab data from the past 12–24 months. If your control has improved recently, document what changed—new medication, lifestyle upgrades, or doctor guidance—and emphasize your commitment to sustaining it. CGM logs or glucose tracking reports can further support your case.

Medication Regimens and Stability

Insurers evaluate how you manage diabetes pharmacologically. Metformin alone generally signals early-stage, well-controlled Type 2 diabetes. If your regimen includes multiple oral drugs or insulin, underwriters assess whether these additions reflect proactive control or disease escalation.

Stability is key. If you’ve maintained the same treatment plan without dosage or drug changes for over a year, it signals control. Frequent medication changes or recent insulin starts may raise concerns unless properly explained.

Complication Assessment and Impact

Complications—especially cardiac, kidney, and eye-related—are major rating factors. Even early-stage issues can alter eligibility or premiums if not managed effectively.

  • Heart health: Any history of heart attack, stroke, or vascular disease leads to more intense underwriting.
  • Kidney function: Protein in urine or high creatinine levels may result in higher premiums or deferrals.
  • Retinopathy: Mild cases may pass standard review, while proliferative stages raise red flags.
  • Neuropathy: Especially if mobility or organ systems are involved, this may influence eligibility.

Age and Duration Considerations

Underwriters factor both your age today and how long you’ve had diabetes. A 60-year-old with 15 years of stable Type 2 management may rate better than a 30-year-old newly diagnosed, due to the shorter time horizon for complications.

Later-onset Type 2 diabetes is generally less concerning than early-onset. For Type 1 applicants, early diagnosis is expected, so emphasis shifts to long-term control and the absence of secondary health issues.

Lifestyle and Overall Health Factors

Beyond lab results, lifestyle is increasingly central to diabetes underwriting. These factors often determine whether you land standard or substandard rates:

  • Weight: Maintaining a healthy BMI or showing recent weight loss is a strong positive.
  • Fitness: Regular exercise supports heart health and glucose control.
  • Smoking status: Smoking dramatically increases premiums or may trigger automatic declines.
  • Family history: While not disqualifying, a history of diabetes complications may increase scrutiny.

The more proactive and stable your overall health profile, the better your rating will be. Underwriters reward predictability—so consistency is your most valuable trait during the application process.

Key Factors affecting life insurance application

How Lifestyle Habits Affect Premiums for Diabetics

Many diabetics are surprised to learn just how much their lifestyle habits influence life insurance premiums in Canada. While diabetes itself is a key underwriting factor, insurers place almost equal weight on modifiable behaviors like diet, exercise, tobacco use, and overall wellness. The good news? These are within your control—and improving them can directly lower your insurance costs.

Weight and BMI: Small Changes, Big Impact

Canadian insurers carefully evaluate your Body Mass Index (BMI) and weight trends when assessing diabetic risk. For Type 2 diabetics especially, even a modest weight loss of 5–10% can reduce insulin resistance and improve your eligibility for standard or substandard rates. Weight gain, on the other hand, is often interpreted as worsening metabolic control, which may trigger higher premiums or even a decline.

Exercise and Activity Level

Active lifestyles are strongly correlated with improved blood sugar control and lower cardiovascular risk. Insurers may ask about your physical activity habits and frequency. Those who engage in regular aerobic or resistance training—even moderate-intensity workouts 3–5 times per week—often benefit from more favorable underwriting. Documented lifestyle changes supported by a healthcare professional can further strengthen your application.

Smoking and Substance Use

Smoking is one of the most damaging lifestyle factors for diabetics. Smokers with diabetes face significantly higher premiums due to the compounded cardiovascular risks. Most Canadian insurers apply a smoker surcharge that can double or even triple your rate. Quitting smoking 12 months before applying may qualify you for non-smoker premiums. Substance use such as recreational drug use or frequent alcohol consumption can also trigger declines or surcharges.

Dietary Management and A1C Trends

Insurers increasingly look for evidence of stable blood sugar control over time—not just your most recent A1C result. Diet plays a central role. A well-managed diet that supports consistent glucose control can lead to better ratings. Applicants who can demonstrate declining or steady A1C levels over 12–24 months, often achieved through dietary changes, may qualify for lower premiums, especially under diabetes-focused underwriting programs.

Mental Health and Stress Management

Chronic stress and unmanaged mental health conditions can negatively affect diabetes control and insurance eligibility. While not always directly asked, some insurers may factor in mental health history, particularly if it has affected diabetes adherence or led to hospitalizations. Incorporating mental wellness strategies like therapy, mindfulness, or medication—documented in your medical records—can indirectly improve underwriting outcomes.

Key Takeaway

Improving your lifestyle is one of the most effective ways to lower life insurance premiums if you have diabetes. Before applying, take proactive steps to optimize your health habits. Then, work with a broker who can present your efforts clearly to underwriters.

💡 Did You Know?

Canadian insurers may reduce your life insurance premiums if you’ve made recent lifestyle changes, like losing 5–10% of your weight, quitting smoking, or lowering your A1C through diet and exercise. These small shifts can make a big difference when underwriting your diabetes risk.

How A1C Levels Affect Approval Odds

Hemoglobin A1C levels are the most scrutinized lab result in any life insurance application involving diabetes. This single metric provides underwriters with a snapshot of your average blood sugar control over the past two to three months. Consistently favorable A1C results can lead to better rates, while elevated or erratic values may reduce your chances of approval or result in higher premiums.

What Is an Ideal A1C for Life Insurance?

Most Canadian insurers consider an A1C below 7.0% to be optimal for underwriting purposes. Levels between 7.0% and 7.5% are typically still insurable, although they may result in substandard ratings. A1C levels between 7.6% and 8.5% often fall into a grey area and may be insurable with conditions such as higher premiums or reduced benefit periods.

If your A1C is above 8.5%, your application may be postponed, declined, or limited to guaranteed issue products. However, exceptions can apply in well-documented cases showing recent improvement or in older applicants with no complications.

Consistency Matters More Than Perfection

Underwriters assess not only your most recent A1C but also your historical trend. Ideally, they want to see a stable or improving pattern over the past 12 to 24 months. Even with an A1C of 7.4%, a steady history without major spikes can still lead to favorable terms, especially with insurers using diabetes-specific underwriting criteria.

Frequent fluctuations or recent sharp increases may raise concerns about poor management or medication non-compliance. You can help offset this by providing context, such as stress, illness, or recent treatment changes.

Type 1 vs. Type 2 Considerations

For Type 1 diabetics, slightly higher A1C thresholds may be acceptable if accompanied by strong overall health and no complications. For Type 2 diabetics, insurers generally expect tighter control, particularly in applicants under age 50.

Insulin use is also viewed differently depending on your A1C trend. A stable, well-controlled insulin user is often seen more favorably than someone using oral medications with poor A1C consistency.

Tips for Improving A1C Before Applying

  • Follow a consistent, diabetes-friendly diet
  • Monitor your glucose daily and adjust your treatment plan as advised
  • Engage in regular physical activity
  • Stay in close contact with your endocrinologist or family doctor
  • Request a new A1C test four to six weeks before applying

Strong A1C control can unlock access to better insurers, lower premiums, and wider coverage options. Taking time to optimize your levels before applying can improve both your pricing and eligibility.

Medical Evidence Requirements for Diabetic Applicants

Medical requirements diabetes

Canadian insurers require more detailed documentation from diabetic applicants due to the increased complexity of risk evaluation. Knowing what to expect helps you prepare in advance and strengthens your case for approval.

Standard Medical Requirements

Traditional life insurance applications for diabetics generally require:

  • Detailed health questionnaires: These include specific questions about diagnosis date, medications, glucose control, and complications.
  • Paramedical exam: Usually triggered for coverage over $100,000. Includes height, weight, blood pressure, and lab samples.
  • Blood profiles: Expanded to include A1C, fasting glucose, kidney function, and lipid panels.
  • Urinalysis: Focuses on protein detection, a critical marker for kidney health in diabetics.

Specialized Medical Evidence

Depending on your profile, insurers may request additional documents:

  • Attending Physician Statement (APS): Usually required from both your family doctor and endocrinologist.
  • Diabetes-specific questionnaire: Completed by your physician, this outlines treatment history and complication screenings.
  • Specialist reports: Requested if you see cardiologists, nephrologists, or eye doctors due to diabetes-related issues.
  • ECG: Often required for diabetics over 40 or with 10+ years of history to assess heart health.

Insurer-Specific Variations

Requirements vary by insurer and product type:

  • Some insurers offer streamlined underwriting for well-controlled diabetics—especially for applicants over age 50 with stable A1C and no complications.
  • Others may maintain strict protocols for Type 1 diabetics or early-onset cases.
  • Higher coverage amounts generally trigger more comprehensive evaluations, while no-medical policies rely solely on questionnaires.

How to Prepare

Preparation makes a major difference in both turnaround time and success rate:

  • Update check-ups: Ensure your lab results, eye exams, and kidney screenings are current before applying.
  • Chronological summary: Create a personal diabetes history including A1C trends and medication timelines.
  • Physician letter: Ask your doctor to summarize your compliance, prognosis, and stability.
  • Contextualize any red flags: Explain temporary spikes or abnormalities with follow-up documentation showing resolution.

Demonstrating control, consistency, and proactive care goes a long way with underwriters. Investing a little time into preparation now could mean significantly better premiums and broader coverage options later.

Provincial Differences in Life Insurance Eligibility for Diabetics

While life insurance regulations in Canada are federally governed, there are practical differences in underwriting outcomes and application experiences based on your province of residence. These differences often stem from regional insurer preferences, available health services, and the way medical data is accessed during underwriting.

Insurer Availability by Province

Some life insurance companies only offer certain products in specific provinces. For example, certain simplified issue or no-medical products may be offered in Ontario and Alberta but not in Quebec or the Atlantic provinces. Insurers may also have different risk appetites depending on regional data and claim experience.

Quebec applicants may face additional documentation requirements due to language laws. Some application forms, disclosures, and medical questionnaires must be available in French, and not all national insurers provide them, which may delay or limit options for residents of Quebec.

Access to Medical Records

The ease with which underwriters can access your medical history varies across provinces. In Ontario and British Columbia, electronic medical records are more commonly used and accessible, which can speed up underwriting decisions. In contrast, in provinces with less integrated healthcare systems, insurers may need to request records manually, resulting in longer processing times.

Impact of Provincial Healthcare Resources

Underwriters may also consider your access to diabetes care in their assessment. If you live in a province or region with limited specialist access or fewer endocrinologists, insurers may view ongoing care as less consistent. This could lead to more conservative underwriting decisions or requests for additional documentation.

Preferred Lab Providers

Some insurers work with specific paramedical and laboratory providers who have stronger coverage in certain provinces. For example, if your insurer’s lab partner has fewer mobile examiners in Manitoba or Saskatchewan, this might delay the scheduling of medical exams and the overall application timeline.

Applicants in rural or northern regions may experience delays in completing required medical tests or may be offered no-medical exam options as a default due to logistical challenges.

Regional Pricing Variations

While base premiums are not directly tied to province, lifestyle data such as regional smoking rates, obesity prevalence, and healthcare access can influence how insurers model risk. This sometimes leads to subtle variations in pricing or approval rates by province, especially for complex medical conditions like diabetes.

Ultimately, the province you live in can shape your life insurance experience. Working with a broker who understands these regional dynamics ensures you are matched with insurers that have favorable guidelines for your province and diabetes profile.

Specialized Diabetes Insurance Products in Canada

Canadian insurers have responded to the growing need for more inclusive diabetes insurance options by developing products with underwriting features that consider real-world management and the diversity of diabetic profiles. These products vary in how they assess risk, streamline approval, and offer support features tailored to people living with diabetes.

Assumption Life: Simplified Options with Fast Decisions

Assumption Life offers simplified issue products designed to serve Canadians with manageable chronic conditions like diabetes. Their application process is fully online and delivers instant approval decisions through the LIA platform, making it ideal for applicants who want fast coverage without medical exams or lab tests.

These products include structured diabetes assessments that focus on A1C levels, medication regimens, and age at diagnosis. Assumption Life also avoids requiring Attending Physician Statements in many cases, which speeds up processing and reduces administrative barriers.

Foresters Financial: Structured Rating System

Foresters applies a consistent rating model for Type 2 diabetics using tools like their Non-Medical Diabetes Worksheet and Diabetes Rating Calculator. These tools consider current age, time since diagnosis, medication type, and build. Applicants over age 40 with stable management can often qualify for substandard or even standard rates, depending on their profile.

Foresters also emphasizes client wellness by offering member benefits and educational partnerships, such as their collaboration with diaTribe. These extras support long-term health and build trust with diabetic applicants.

Sun Life’s Term Insurance for Diabetes

While Sun Life’s dedicated diabetes product has garnered attention, it’s not the only viable option. Their underwriting is structured to consider different types of diabetes including pre-diabetes and gestational, with a focus on long-term control and recent A1C trends.

The included Diabetes Care Program offers virtual health coaching and pharmacist-led support. While this added service can be helpful, applicants should compare premiums and underwriting outcomes carefully, especially if they already have strong diabetes management practices in place.

No Medical Exam and Simplified Issue Innovations

Many insurers offer simplified issue products that bypass traditional medical exams. These options use diabetes-friendly health questionnaires and allow applicants to qualify based on recent control and medication profiles. Coverage limits often reach up to $500,000, depending on age and diabetes type.

Simplified issue is particularly valuable for those who need quick approval or want to avoid disclosing full medical records. However, applicants should understand that premiums are typically higher than fully underwritten products and some insurers apply caps based on A1C or insulin use.

Critical Illness Products with Diabetic Flexibility

Although critical illness insurance can be harder to obtain with diabetes, a few insurers offer modified products that exclude diabetes-related conditions while still covering major illnesses like cancer or MS. These policies provide a safety net without exposing insurers to complications directly tied to diabetes.

Return-of-premium riders and guaranteed payout structures make these products more appealing to diabetics who are otherwise excluded from traditional critical illness policies. While not comprehensive, they offer partial protection that may be better than no coverage at all.

📋 Worried about being denied?

Let us help you find a plan you qualify for — even with insulin use, complications, or past declines.

Strategies to Lower Your Premiums with Diabetes

Premium strategies to reduce premium

While diabetes typically results in higher life insurance premiums, several strategic approaches can help minimize these increases and secure the most competitive rates possible. Understanding and implementing these strategies can lead to significant premium savings over the life of your policy.

Optimize Your Health Profile Before Applying

The most effective way to lower your diabetes life insurance premiums is to optimize your overall health profile before applying. Insurers consider multiple factors beyond just your diabetes diagnosis, and improvements in these areas can offset some of the premium increases associated with diabetes.

Achieving and documenting excellent glucose control is essential. Work with your healthcare team to improve your A1C levels, aiming for consistent readings below 7.0 percent for at least 6 to 12 months before applying. Document your glucose monitoring patterns and medication adherence to show your commitment to diabetes management.

Weight management can significantly influence premium rates, especially for those with Type 2 diabetes. Even modest weight loss can improve insurability and reduce costs. Track and present your efforts to insurers to support favorable underwriting decisions.

Good blood pressure and cholesterol control also play a key role, as cardiovascular health is a top concern. Ensure your blood pressure is below 130/80 and cholesterol levels are within the target range. Compliance with any prescribed treatments further strengthens your application.

Quitting smoking is one of the most impactful steps you can take. Diabetic smokers face steep premium increases due to added cardiovascular risk. Stopping tobacco use for at least 12 months before applying may cut premiums in half compared to smoker rates.

Strategic Policy Selection

Your choice of life insurance product directly impacts your premiums. Understanding your needs and selecting a policy accordingly can make coverage more affordable.

Term life insurance generally offers the most cost-effective premiums, particularly when you select shorter durations. A 10-year term will typically cost less than a 20-year, which in turn is cheaper than a 30-year policy. Choose a term length aligned with your financial obligations to optimize costs.

Consider a laddering strategy using multiple term policies of different durations instead of one large policy. For example, a $250,000 15-year policy and a $250,000 30-year policy can meet short and long-term needs at a lower combined cost.

Permanent life insurance options, such as whole life or universal life, offer long-term stability but come at a higher cost. Some plans include features like premium guarantees, which can protect you if your health deteriorates. This benefit may outweigh the cost for long-term planners with diabetes.

Strategic Application Approaches

How and when you apply can make a significant difference in your approval terms and premium level. A smart application strategy starts with choosing the right partners and timing.

Work with a broker who specializes in high-risk or diabetic cases. Their experience helps you navigate insurer options and present your application effectively. They can advocate for your case and guide you to favorable insurers based on your profile.

Apply to multiple insurers when possible. Each one assesses diabetic risk differently, so you may receive varied premium offers. Comparing quotes can yield savings over time, even if it requires additional paperwork upfront.

Choose the right timing. Apply after a sustained period of good glucose control, stable medications, and no recent health events. Avoid applying during or shortly after a change in treatment or a health setback.

Do not accept the first offer without review. If your initial quote includes higher premiums or substandard ratings, ask your broker to challenge the decision. Providing updated medical records or physician notes may support a more favorable reassessment.

Policy Features and Riders

Certain policy features and riders can support your financial strategy while controlling overall insurance costs. Choose features that match your long-term goals and risk exposure.

Look for guaranteed renewability, which allows you to keep your coverage in force even if your health declines. This is common in term policies but should always be confirmed during your review.

Conversion options let you upgrade from term to permanent insurance without additional medical underwriting. This is valuable if your health changes and you want to lock in permanent protection at your original rating.

Choose riders selectively. Some add meaningful protection, such as waiver of premium for disability. Others, like accidental death benefits, may increase costs without providing substantial value for diabetics.

Some insurers reward healthy living. Ask about wellness programs that offer premium discounts or benefits for demonstrating good diabetes control, attending regular check-ups, or engaging in education programs.

Regular Policy Review and Management

Life insurance should not be a set-it-and-forget-it purchase. Periodic reviews ensure your coverage aligns with current needs and that you are not missing out on improved pricing or better options.

Review your policy every 2 to 3 years. If your health has improved significantly, you may qualify for a lower rate on a new policy. Improvements like weight loss or better glucose control are worth documenting and presenting for reconsideration.

Some insurers allow reassessment requests. If your A1C has dropped or you have made other substantial improvements, ask about a health class upgrade. This could reduce your premiums even after policy issue.

Stay aware of product updates. The insurance industry is evolving quickly, and new diabetic-friendly products may become available. Consider switching or supplementing coverage if a more favorable option is released.

For comprehensive planning, work with a financial advisor who understands chronic health conditions and insurance. Combine life insurance with other financial tools to build a strong protection strategy that meets your current and future needs.

Why Choosing a Trustworthy Advisor Matters

Professional life insurance consultation with Canadian client

When applying for life insurance with diabetes, the advisor you choose can make or break your outcome. The process is not just about completing forms. It involves navigating complex underwriting, selecting the right insurer, preparing medical documentation, and positioning your application for success. These steps require expertise and integrity.

Specialized Knowledge Makes a Difference

Most advisors do not specialize in diabetes life insurance. A trustworthy advisor understands how Canadian insurers evaluate A1C trends, treatment history, and lifestyle factors. They know which insurers are flexible with insulin usage or favorable toward well-managed Type 1 cases. Without this knowledge, you may receive poor advice or overpay for coverage you could have qualified for elsewhere.

Transparency and Advocacy

Trusted advisors are transparent about rates, limitations, and your real chances of approval. They do not promise unrealistic outcomes or gloss over medical concerns. Instead, they advocate for you during underwriting, explain any requests from insurers, and help you present your health story in the most favorable light. This proactive approach can result in better ratings and lower premiums.

Independent, Not Captive

Advisors who work independently are not tied to one company. They can shop your application across multiple Canadian insurers to find the most diabetic-friendly option for your unique profile. Captive agents may be limited in what they can offer and might push products that are not suited to diabetics. Independence gives you more choices and better odds of success.

Red Flags to Avoid

If an advisor dismisses your diabetes as unimportant or avoids detailed medical questions, consider that a warning sign. Similarly, if they avoid discussing different insurer requirements or cannot explain how underwriting works for diabetics, they may not have the right expertise. Always ask for examples of similar cases they have placed successfully.

Look for Credentials and Reviews

Choose an advisor who is licensed in your province, experienced with diabetic clients, and open about their process. Check reviews, testimonials, or case studies from real clients. A track record of positive outcomes for people with diabetes is one of the best indicators that you are working with someone who knows the landscape and can be trusted to advocate on your behalf.

What to Do If Your Life Insurance Application Is Denied

Getting declined for life insurance can feel frustrating, but it doesn’t mean you’re uninsurable. Many denials result from avoidable issues or simply applying to the wrong insurer for your health profile. Understanding why you were denied is the first step to securing coverage that works for you.

Top Reasons for Life Insurance Denial

Step 1: Clarify the Reason

Ask your insurer why your application was declined. Whether the issue was medical, financial, or lifestyle-related, knowing the root cause lets you correct course before reapplying.

Step 2: Work with a Specialist Broker

Not all insurers handle diabetes or other health conditions the same way. A licensed broker with experience in high-risk applications can direct you to carriers with more flexible underwriting. They can also help you gather supportive documents and improve your presentation to underwriters.

Step 3: Adjust and Reapply

Based on the reason for your denial, you may need to take specific steps: improve glucose control, document lifestyle changes, or apply for a different type of policy. In some cases, a guaranteed issue or simplified issue product may be the best short-term option while you work toward a traditional policy.

We can help you reassess your application, identify better-fit carriers, and avoid another denial. Contact us today or call 1-877-654-6119 for a confidential consultation with a licensed advisor.

🎯 Case Study: Jaspreet from Brampton Navigates Diabetes and Life Insurance

  • Name: Jaspreet B., 45-year-old truck driver from Brampton, Ontario
  • Condition: Type 2 diabetes, insulin-dependent
  • Coverage Goal: $250,000 of term life for family protection

Challenge: Jaspreet had been declined twice due to insulin use and a past hospitalization for hypoglycemia. He also had a minor heart procedure in 2020.

Solution: We positioned Jaspreet’s application with Canada Protection Plan, emphasizing his recent stability, regular follow-ups, and strong family support network.

Result: Approved for $250,000 simplified issue term coverage with no medical exams, at $55/month. He now has peace of mind knowing his two children are protected.

🩺 Case Study: Elaine Secures Platinum Coverage with Type 1 Diabetes

  • Name: Elaine C., 53-year-old teacher in Calgary, Alberta
  • Condition: Type 1 diabetes, diagnosed in early adulthood
  • Coverage Goal: $400,000 10-year term for debt and final expenses

Challenge: Elaine was concerned about automatic declines due to her Type 1 diabetes and insulin use.

Solution: We helped Elaine apply for a simplified no nurse visit, no fluids required policy. Her application was submitted to Assumption Life for their Platinum Protection plan and approved within 24 hours.

Result: Approved for Assumption Life’s Platinum Protection plan at $101/month. No lab work required. Elaine now has peace of mind knowing her family is protected from day 1.

🔍 Case Study: Kevin Gets Covered After a DUI and Diabetes Diagnosis

  • Name: Kevin L., 39-year-old warehouse supervisor in Winnipeg, Manitoba
  • Condition: Type 2 diabetes with a DUI charge in 2019
  • Coverage Goal: $500,000 for income replacement

Challenge: Kevin’s combination of insulin use, past alcohol misuse, and a DUI flagged multiple red flags in traditional underwriting systems.

Solution: We waited until Kevin reached two years alcohol-free and secured a signed physician letter confirming treatment compliance. We applied through Foresters, which evaluates recent lifestyle change patterns favorably.

Result: Approved for $300,000 20-year term with rated premiums of $88/month. Kevin appreciated that his efforts at health and lifestyle improvement were finally recognized by an insurer.

Frequently Asked Questions About Diabetes Life Insurance

Can I get life insurance if I have diabetes?

Yes, absolutely. Many Canadian insurers now offer competitive rates to applicants with diabetes who show good glucose control and no complications. For example, Industrial Alliance offers guaranteed acceptance, and products like Sun Life’s diabetes-specific term plan have raised approval rates significantly.


How much more expensive is life insurance with diabetes?

It varies. Well-managed Type 2 diabetes may see only a 25-75% premium increase, while Type 1 diabetes often leads to 75-150% increases. Factors include A1C levels, age, complications, and medication type.  Some providers are offered standard rates in the right situation


What type of diabetes gets the best life insurance rates?

Type 2 diabetes, especially when diagnosed after age 50 and controlled through lifestyle or oral medications, generally qualifies for better rates. Type 1 and gestational diabetes are reviewed more carefully but can still result in fair offers with proper documentation.


Do I need a medical exam for diabetes life insurance?

Not always. No-medical and simplified issue products are widely available. Traditional plans may require labs depending on the coverage amount and applicant profile, but some use accelerated underwriting with no labs if diabetes is well-managed.


What A1C level is acceptable for life insurance approval?

Most insurers prefer A1C below 7.0%. Levels between 7.0 and 7.5% may still be acceptable with stable trends and no complications. The last 12-24 months of control matter most.


Can I get life insurance if I use insulin?

Yes. Insulin use is common for Type 1 and advanced Type 2 diabetes. Insurers focus on your control, complications, and medication compliance. CGMs and insulin pumps are often seen as positives.


What happens if I develop complications after getting coverage?

Your rates and coverage won’t change once your policy is in force, as long as there was no misrepresentation in your application. Future complications won’t impact your current policy but may affect new applications.


Should I disclose pre-diabetes on my application?

Yes. Non-disclosure could void your policy. Fortunately, well-managed pre-diabetes has minimal impact on rates, and disclosure demonstrates transparency.


How long should I wait to apply after a diabetes diagnosis?

Most insurers prefer to see at least 6–12 months of stable glucose control. This helps demonstrate a clear management pattern and can improve your eligibility.


What if I’ve been declined before?

It doesn’t mean you’re uninsurable. Many diabetics secure coverage after prior denials by applying to different insurers or showing improved control. Work with a broker who understands diabetes cases.

Find a solution that’s right for you

Having diabetes doesn’t have to mean you can’t get life insurance. Regardless of the challenges you face, by working with an expert who knows the ins and outs of life insurance in Canada, you can find coverage that’s right for you.

At Protect Your Wealth, we work with and compare policies and quotes from trusted life insurance companies across Canada to ensure we can find the right solution for you and your family. We provide expert life insurance solutions, including no medical life insurance, term life insurance, and permanent life insurance.

Contact Protect Your Wealth online or call us at 1-877-654-6119 to talk to an advisor today. We’re proudly based out of Hamilton, and service clients anywhere in Ontario, British Columbia, Manitoba, and Alberta; including areas such as Vaughan, Abbotsford, Winnipeg, and Lethbridge.

Reach out to an expert advisor today!

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