How Common Conditions Affect Life Insurance Rates
Health condition impact on life insurance underwriting
| Condition | Typical Impact on Premium | Notes |
|---|---|---|
| Type 2 diabetes (well-controlled) | Standard to Substandard (+50–100%) | A1c under 7, no complications = better rates |
| Type 1 diabetes | Table rating (3–5× standard) | Longer history of control helps; fewer carriers offer |
| High blood pressure (controlled) | Preferred to Standard | Controlled with medication often qualifies for good rates |
| Obesity (BMI 35–40) | Standard to Substandard (+25–75%) | Depends on other health factors |
| History of cancer (in remission) | Varies widely by type and remission length | Skin cancer: minimal impact; prior Stage III: major |
| Smoking/tobacco use | 2–3× non-smoker rates | 12 months smoke-free often allows non-smoker rates |
| History of depression (managed) | Minimal to moderate impact | Current treatment, stability matter more than history |
| Heart disease history | Table rating (2–5×+ standard) | Depends on severity, treatment, time since event |
Diabetes and Life Insurance
Well-managed Type 2 diabetes with no complications (HbA1c under 7.5%, no kidney disease, no neuropathy) can often qualify for Standard or Standard Plus rates at many carriers. The key factors: A1c level, duration of diagnosis, complications present, other metabolic factors (blood pressure, cholesterol). Type 1 diabetes is more restricted — fewer carriers offer coverage, and rates are significantly higher — but coverage is available.
Underwriting standards for common conditions vary significantly between insurers. One carrier may rate diabetes at Table 2 (modest increase); another may decline. An independent broker who knows which carriers are most favorable for specific conditions can identify the best option. Never accept the first decline or Table rating without checking alternatives.
No-Exam Life Insurance for Health Conditions
For those with health conditions who’ve been declined or table-rated in traditional underwriting: no-exam policies with simplified or guaranteed issue underwriting may be available. Guaranteed issue life insurance (no health questions) is available at smaller amounts ($25,000–$100,000) but at significantly higher rates. These policies typically have a 2-year graded benefit — only return of premium if death occurs in the first 2 years.
Calculate Your Coverage Need First
Know your required death benefit before beginning the underwriting process with any health conditions.