No Medical Exam Life Insurance: Can People With Diabetes Qualify?

No medical exam life insurance features a simpler underwriting process. Unlike traditional plans, these plans do not require medical tests to qualify for a plan. The whole application process consists of completing an application form. This means that people who have diabetes have higher chances of qualifying for coverage.


How is diabetes viewed by insurance agencies?

Diabetes is a terminal illness which, if not treated, can cause death. Thanks to modern medicine, diabetics can enjoy a good life by undergoing proper medical treatment and following a recommended diet. However, agencies are not as optimistic. They consider insuring someone with diabetes risky and in most cases they will not sell a plan.

There are two types of diabetes:

  • Type 1 diabetes develops usually before the age of 30. People who have type 1 diabetes cannot produce insulin so they have to take insulin.
  • Type 2 diabetes occurs in older individuals. In this case the body’s cells are resistant to insulin or the body has an insulin deficit.

People who have type 2 diabetes can expect to find good life insurance coverage, even from plans that require medical examinations. Agencies will review your medical history and will examine your blood glucose levels.

Diabetes and no medical exam life insurance plans

Life insurance without medical exams is more lenient to people who have a pre-existing medical condition. This means that someone suffering of type 2 or even type 1 diabetes can get a policy. In order to qualify for a plan, you will need to complete a medical questionnaire. This application process is simpler and it takes less than a few minutes. The application form can be completed online.

The best no medical exam life insurance policy is known as simplified issue. It provides the highest coverage values. You can get as much coverage as $250,000.

If you have diabetes, comparing quotes is very important. Insurance agents can help you find a special policy that fits your case. By visiting our website you can find quotes from top providers. Visit us at and find out more!