Juvenile diabetes and life insurance

Can I find affordable life insurance for juvenile diabetes?

Juvenile diabetes is typically referred to as type 1 diabetes. This type of diabetes usually develops before age 30. From a life insurance underwriting  standpoint juvenile diabetes is classified as a special risk.

Coverage for juvenile diabetes is available for most prospects.  But, it is important that someone looking for coverage use an insurance carrier and an insurance agent who specializes in this particular type of risk.

Not all insurance companies welcome coverage on juvenile diabetics. You see each life insurance company has different options on rates and underwriting. A good agent will make it their job to find you the company that matches your particular situation the best.

What exactly is diabetes?

Diabetes Mellitus is a chronic disease occurring when the pancreas does not produce enough insulin. The body’s ability to utilize carbohydrates and break down fats is reduced. Sugars build up in the blood and urine, leading to complications affecting the heart, brain, legs, eyes, kidneys, and nerves.

Uncontrolled diabetes can result in angina, heart failure, stroke, leg cramps on walking, peripheral vascular disease, poor vision, renal failure and damage to the nerves (neuropathy).

The diagnosis of diabetes is made when an individual has high blood sugar levels in the blood, increased thirst, urination, hunger, frequent infections, or signs of any of the complications associated with diabetes.

To confirm a diagnosis, physicians will measure the level of a protein in the blood, hemoglobin A1C.

Diabetes is typically classified as one of 3 types:

  • Juvenile or Type 1 diabetes
  • Non-Insulin dependent or Type 2 adult onset diabetes
  • Gestational diabetes


Underwriting juvenile diabeteslife insurance with juvenile diabetes

If you are not familiar, underwriting is the evaluation of risk. An underwriter will look at the information of someone’s health history gathered from medical records, lab reports, etc. to determine what the mortality risk is for a particular prospect. At that time they will assign a percentage of risk to that particular applicant.

As mentioned above, each underwriting life insurance company looks at risk differently. There are a limited number of carriers who specialize in underwriting juvenile diabetes.

Let’s look at some of the information these special risk underwriters take into consideration:

The earlier one is diagnosed, the higher the mortality risk because there is no predictably for control of condition with one’s body growing and changing constantly until one becomes an adult.

So, therefore carriers look at age of diagnosis, length of time prospect has had condition, treatment for diabetes, and if the prospect has the condition well controlled which is shown through lab work and compliance in regular check ups with a physician.

What carriers specialize in juvenile diabetes

Out of the 1,000 or more life insurance companies doing business in the United States only a handful actually specialize in underwriting those with juvenile diabetes.

Over our 30 years in the special risk life insurance business below are the carriers we have found to be the best in no particular order:

  1. Prudential
  2. American General
  3. United Of Omaha
  4. Banner Life 
  5. Lincoln National Life
  6. Pacific Life
  7. North American Life 
  8. Principal National Life
  9. Transamerica Life
  10. Protective Life
  11. John Hancock
  12. Nassau Re

All of these carriers are terrific life insurance companies. And depending on the individual circumstance one of these companies is who I would recommend.

How to find out what your rating would be

When underwriting an individual with a history of juvenile diabetes it is important to provide your agent with as many details as possible up front regarding your medical history.

The more medical information you can provide the easier and quicker it will be for your agent to comparison shop for the company that will offer the lowest rates.

An agent that is experienced in this type of risk will know what questions to ask you and will know how to present your case to the different carriers in the best light. Quite frankly, most agents don’t have a clue on how to negotiate offers for coverage on special risks life insurance cases.

Oftentimes, they will suggest to the prospect to just apply to different carriers and see who comes back with the best rate. Not only does this waste your time filling out applications and doing multiple exams and lab tests for different carriers, but it could actually hurt your chances of getting the most affordable coverage.

Here’s why?

Life insurance companies are in the business to make a profit and to make a fair offer for coverage.  They are not in the business to underwrite, order and pay for medical records, exams, etc. only to have the prospect go somewhere else and buy the coverage.

You see it costs money for the insurance carrier to underwrite an application. If they check the medical information bureau(MIB) and see that you have applied to multiple carriers that may decide to just decline your request for underwriting.

The medical information bureau is kind of a clearinghouse for insurance companies. They can see if you have submitted applications elsewhere and if you have been declined for coverage.

Why would they want to spend time paying for underwriting your application when they see you have already submitted applications to half dozen other carriers? They wouldn’t. So, even though that particular carrier may have been the one that would have offered you the best rates, you would never know because they didn’t want to play the game of underwriting roulette.



If you are looking for life insurance protection for juvenile diabetes talk to an expert. If you would like a free consultation on what options are available contact the Mike Raines, the owner of the agency direct at 678-207-8160 or mike@specialriskterm.com





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How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160

Email: mike@specialriskterm.com

Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.
About SpecialRiskTerm.com
About SpecialRiskTerm.com

We work with individuals across the nation to secure the best life insurance rates.

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