Life Insurance for seniors over 80 with diabetes

Life insurance companies will nearly always look to increase premiums after a confirmed diagnosis of diabetes, so knowing which insurer will be most sympathetic to your situation can be key, specially if you are a senior over 80 with diabetes.

Insurers will typically increase premiums due to the potential complications that can be caused by diabetes.

The inability to control blood sugar means diabetes sufferers typically have high blood sugar levels, making them more prone to life-threatening illnesses such as heart disease, stroke and kidney disease.

To get a quick quote, you will probably have to enter some contact information, a basic description of what kind of coverage you are looking for, and a few health details, such as blood sugar level, weight, smoker/non-smoker, age diagnosed with diabetes, and control method (diet, oral medicine, or insulin).

Click here for a quick quote: 

Will You Need a Medical Exam?

Most life insurance companies will require a medical exam before underwriting a policy. There are some companies out there who may not require an exam, but their policies will almost always cost more.

You should be prepared with answers and documentation concerning:

  • Your typical blood sugar and hemoglobin test results
  • Age at which you were diagnosed with diabetes
  • Type of diabetes you have (Type 1 or Type 2)
  • How and how well you are controlling your condition
  • All medications you are taking for diabetes
  • Your medical history in relation to diabetes

Always remember that premiums can vary widely between companies.

We are  independent brokers that shop among many top carriers.

Call us today and get your policy delivered to you within a matter of days:


Or apply online:

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If you are ready to get started, please click here or always feel free to contact us with any questions at 813 964 7100 or 716 565 1300.

We are here to help and will never pressure you in any way.

In fact, our main goal is to make this process as easy and pain-free for you as possible.

Call us at 813 964 7100 or click here