Key Person life insurance for diabetics

Best rates for key person life insurance for diabetics

Finding the lowest rates for key person life insurance for diabetics does not have to be difficult if you know a few secrets:

  • Use an independent life insurance broker
  • Use a broker who deals with carriers that specialize in key person life insurance for diabetics
  • Let your broker do the work negotiating with the different carriers
  • Keep your diabetes in control by regularly monitoring your blood sugar
  • Be sure to see your doctor on a regular basis

Let’s breakdown each of the above and why they are important in order to find the lowest rates for key person life insurance for diabetics.

Why an independent insurance broker

An independent life insurance broker simply gives you the best shot at finding the lowest rats. Independent agents represent typically dozens of carriers.

Unlike a captive agent, the independent agent will simply have more than one option to choose from.

Why use a specialty broker

An independent life insurance broker who also specializes in representing carriers that underwrite key person life insurance for diabetics will put you a head of the game.

You see most life insurance companies quite frankly don’t like diabetics. A typical life insurance carrier that does not specialize in underwriting diabetics could highly rate or even decline your application.

Just like certain doctors have certain specialties such as a heart doctor or brain surgeon, insurance companies do also. In fact, many of the best companies to underwrite key person life insurance for diabetics you may never have heard of.

Also, it’s important to make sure the broker has plenty of experience with special risk life insurance. An agent who has worked on cases for diabetes, heart disease, MS, etc. will know the best way to present your case to the carrier.

An agent with no experienced will sometimes just throw out information to a bunch of different carriers hoping one will stick. This is not the way to get the best offer for coverage.

Only a knowledgeable and experienced agent can provide you with the best shot at success.

Let the broker do the negotiating

In the game of special risk life insurance a knowledgeable broker can be your best ally. He will know the questions to ask in order to find out which carriers to go to. He will know how to present the case to the underwriters. But, most importantly, when all the offers are made your broker can then negotiate between the carriers to lower the rates.

In a way its a bit of a game. If carrier A is offering a rate, then you can go to carrier B and have them compete against it. If carrier B wont play the game, then move on the carrier C and see if they will play.

Again, only an experienced agent in the special risk arena will know how to properly work the marketplace.

Maintain good blood sugar control

Of course whenever you are underwriting a key person life insurance policy for diabetics the number one issue is control.

The A1C factor gives the underwriter the most information on whether you are controlling your blood sugar. This 3 month figure will basically tell the underwriter what he needs to know about your due diligence with your blood sugar.

If you were diagnosed after the age of 50 and your A1C reading is normal then you could be looking at standard rates.

If your A1C is elevated above the normal range and depending on how elevated it may be harder to get standard rates.

Now, if you were diagnosed as a juvenile diabetic and are currently taking insulin then standard rates are typically not in the cards. But, it is important to remember again that all life insurance carriers look at health differently.

Your agents job is to help you find the one carrier that will underwriter you the most favorably.

See your doctor on a regular basis

Other than A1c reading, the one thing underwriters want to see when evaluating your protection is maintenance. If you are seeing your doctor every 3-6 months and following their guidance, you have a much better shot at a better rate.

But, if you are not following guidance such as not exercising or still smoking or gaining weight and if you are not following up with your doctor routinely your chances for a good rate are slim.

Underwriting life insurance carriers like to see good follow-up and prescription maintenance.

Top carriers for underwriting diabetic life insurancekey person life insurance for diabetics

Okay, so who are the best carriers in the special risk marketplace for diabetics? We have found the following to be the very best.

  • Prudential
  • Mutual of Omaha
  • Banner Life
  • Principal Life
  • North American Life
  • American General
  • Lincoln National 
  • Protective Life
  • Phoenix Life
  • Transamerica
  • American National


Key person life insurance can play an important role for any business. All businesses have a key employee who is critical to the performance or even the life of the business. If you need help determining the amount of coverage you need you can go here.

When looking for this protection for someone with a pre-existing condition such as diabetes, it is imperative that you use a professional who specializes in this coverage.

Fortunately, you have landed on this page. We are specialist in key person life insurance for diabetics. Give us a call at 1-678-207-8160 or email for a free analysis of your situation.


For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
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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


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


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.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

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 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.

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.

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

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