Life Insurance Policy for Diabetics Coverage on Insulin

Life Insurance Policy for Diabetics Coverage on Insulin

If you’ve been searching for a **life insurance policy for diabetics**, you’ve probably come across higher premiums, complex requirements, or even outright denials—especially if you’re insulin-dependent. But don’t give up just yet. At Mintco Financial, we specialize in helping individuals with diabetes secure affordable, hassle-free life insurance—even those taking insulin.

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### Affordable Monthly Premiums for Diabetics on Insulin

**Standard Non-Smoker Monthly Premiums for \$10,000 of Death Benefits**

| **Age** | **Female NS** | **Female Smoker** | **Male NS** | **Male Smoker** |
| ——- | ————- | —————– | ———– | ————— |
| 55 | \$37.95 | \$55.15 | \$45.75 | \$66.45 |
| 65 | \$47.25 | \$80.25 | \$59.95 | \$94.75 |
| 75 | \$81.95 | \$128.35 | \$108.15 | \$174.75 |
| 85 | \$164.35 | \$225.85 | \$221.45 | \$319.95 |

> **NS = Non-Smoker**

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### Why This Life Insurance Policy Works for Diabetics

This isn’t just another cookie-cutter plan. It’s designed with diabetics in mind—especially those on insulin.

* ✅ **Ages 50–85 accepted (Standard), 50–75 (Preferred), 50–85 (Guaranteed Issue) **
* ✅ **Immediate death benefits**—no waiting periods
* ✅ **Diabetics using insulin after age 30 qualify**
* ✅ **Emphysema and other chronic conditions considered**
* ✅ **No height or weight restrictions**
* ✅ **Preferred rates available starting at \$25,000**
* ✅ **No in-person exam or face-to-face meeting required**
* ✅ **Easy e-application, paper, or phone with voice signature**
* ❌ **Not available in AL, AK, HI, LA, MA, NH, or NY**

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### Life Insurance for Diabetics Has Come a Long Way

Whether you’ve been managing Type 1 or Type 2 diabetes for years, or you’ve recently started insulin, **you still have access to affordable life insurance coverage**.

Mintco Financial works with top-rated life insurance companies that offer policies designed specifically for diabetics. Even if you’ve been denied elsewhere, we may be able to get you approved with **immediate coverage and no medical exam**.

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